Cumberland Valley National Bank & Trust Company on Your Credit Report
In short: Cumberland Valley National Bank & Trust Company is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, operating from London, KY on a charter established in 1904. FDIC certificate 2691 records 14 FDIC-reported offices and $816 million in total assets on the 06/30/2026 call report. When Cumberland Valley National Bank & Trust Company reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 Cumberland Valley National Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cumberland Valley National Bank & Trust Company was chartered January 1, 1904 and is insured under FDIC certificate 2691. It reported $816 million in total assets and 14 FDIC-reported offices on its 06/30/2026 call report — about $58 million per reported office across its KY footprint.
How Cumberland Valley National Bank & Trust Company appears on your credit report
Because Cumberland Valley National Bank & Trust Company is regional — $816 million in assets, 14 FDIC-reported offices, headquartered in London, KY — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Auto and other secured consumer loans booked at Cumberland Valley National Bank & Trust Company offices
- ◆Overdraft lines of credit attached to Cumberland Valley National Bank & Trust Company deposit accounts
- ◆Deposit-secured and share-secured credit lines opened at Cumberland Valley National Bank & Trust Company
Grounds to dispute a Cumberland Valley National Bank & Trust Company entry
Each of these is a reason a Cumberland Valley National Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account reported under a predecessor institution name after a merger into Cumberland Valley National Bank & Trust Company
- ◆Payment posted at Cumberland Valley National Bank & Trust Company in London, KY but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆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
Cumberland Valley National Bank & Trust Company 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, Cumberland Valley National Bank & Trust Company 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 Cumberland Valley National Bank & Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cumberland Valley National Bank & Trust Company questions, answered
Is Cumberland Valley National Bank & Trust Company FDIC-insured, and what is its certificate number?
Yes. Cumberland Valley National Bank & Trust Company holds FDIC certificate 2691. The FDIC record shows a charter established January 1, 1904, headquarters in London, KY, and 14 FDIC-reported offices with $816 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates Cumberland Valley National Bank & Trust Company, and where do I escalate if a dispute fails?
Cumberland Valley National Bank & Trust Company is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, so its primary federal oversight comes from the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus both fail, you can complain to the OCC, to the KY state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Cumberland Valley National Bank & Trust Company charter, and why does that matter for my credit report?
Cumberland Valley National Bank & Trust Company's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1904 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask Cumberland Valley National Bank & Trust Company in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is Cumberland Valley National Bank & Trust Company, and what does that mean for disputing an account?
Cumberland Valley National Bank & Trust Company reports $816 million across 14 FDIC-reported offices — roughly $58 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Cumberland Valley National Bank & Trust Company account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Cumberland Valley National Bank & Trust Company as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Cumberland Valley National Bank & Trust Company can verify, and results vary from case to case.
Does KY law change anything about a Cumberland Valley National Bank & Trust Company account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Cumberland Valley National Bank & Trust Company being headquartered in London, KY does not make KY law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Cumberland Valley National Bank & Trust Company account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the Cumberland Valley National Bank & Trust Company account and never caught up on. It does not run from the charge-off date, the sale date, or the date Cumberland Valley National Bank & Trust Company last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does Cumberland Valley National Bank & Trust Company appear in the CFPB complaint database?
We do not publish a complaint figure for Cumberland Valley National Bank & Trust Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 2691, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Cumberland Valley National Bank & Trust Company and disputing with a collection agency?
An original creditor like Cumberland Valley National Bank & Trust Company and a collection agency are governed by different laws, and sending the wrong letter costs you time. Cumberland Valley National Bank & Trust Company is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 Cumberland Valley National Bank & Trust Company; 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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