Commercial Capital Bank on Your Credit Report
In short: Commercial Capital Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Delhi, Louisiana. FDIC certificate 34784 records the charter as established February 22, 1999. The modern charter date matters here only because a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone. On the 06/30/2026 call report it reported $611 million in total assets and 9 FDIC-reported offices. Because Commercial Capital Bank lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Commercial Capital Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Commercial Capital Bank holds FDIC certificate 34784, chartered February 22, 1999 in Delhi, Louisiana (27 years old), and reported $611 million in total assets across 9 offices on the 06/30/2026 call report.
How Commercial Capital Bank appears on your credit report
Commercial Capital Bank is an original creditor, not a collector, and that changes the mechanics. At $611 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Louisiana offices
- ◆First-lien mortgages and home-equity lines on Louisiana property
- ◆Overdraft lines and deposit-linked credit tied to Commercial Capital Bank checking accounts
Grounds to dispute a Commercial Capital Bank entry
Each of these is a reason a Commercial Capital Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Louisiana home-equity line closed at refinance yet still reporting open with Commercial Capital Bank
- ◆Charge-off reported by Commercial Capital Bank after the account was settled in full
- ◆Duplicate Commercial Capital Bank tradeline created when the account migrated between core systems
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Commercial Capital Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Commercial Capital Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Commercial Capital Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Commercial Capital Bank questions, answered
Is Commercial Capital Bank FDIC-insured, and what is its certificate number?
Commercial Capital Bank is FDIC-insured under certificate number 34784. Per the FDIC, the charter dates to February 22, 1999, the head office is in Delhi, LA, and the 06/30/2026 call report shows $611 million in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates Commercial Capital Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Commercial Capital Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Commercial Capital Bank?
We do not carry a complaint count for Commercial Capital Bank. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a Commercial Capital Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Commercial Capital Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Commercial Capital Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Commercial Capital Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Commercial Capital Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Commercial Capital Bank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Commercial Capital Bank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Commercial Capital Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Commercial Capital Bank account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone. Identify both versions by last four digits and open date when you dispute.
Can I dispute Commercial Capital Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Commercial Capital Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Commercial Capital Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Commercial Capital Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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