First Bank, Upper Michigan on Your Credit Report
In short: First Bank, Upper Michigan is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Gladstone, Michigan. FDIC records place the charter's origin at August 14, 1916 and assign it certificate 14276. The 06/30/2026 call report lists $629 million in assets across 8 FDIC-reported offices. Because First Bank, Upper Michigan originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 First Bank, Upper Michigan actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Bank, Upper Michigan appears in FDIC BankFind as certificate 14276, headquartered Gladstone, Michigan, chartered August 14, 1916, with 8 FDIC-reported offices and $629 million in assets.
How First Bank, Upper Michigan appears on your credit report
First Bank, Upper Michigan is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to First Bank, Upper Michigan, and file the §611 dispute in parallel. the First Bank, Upper Michigan reviews these internally from Gladstone, Michigan. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by First Bank, Upper Michigan in Michigan
- ◆Home-improvement and second-lien lending booked near Gladstone
- ◆Commercial and owner-occupied real-estate credit held by First Bank, Upper Michigan
Grounds to dispute a First Bank, Upper Michigan entry
Each of these is a reason a First Bank, Upper Michigan tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with First Bank, Upper Michigan failed and the missed cycle reported before notice reached you
- ◆Paid-in-full First Bank, Upper Michigan loan still showing a balance after the payoff cleared
- ◆First Bank, Upper Michigan tradeline reporting a credit limit that was never approved in writing
- ◆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
First Bank, Upper Michigan 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, First Bank, Upper Michigan 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 First Bank, Upper Michigan a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Bank, Upper Michigan questions, answered
Is First Bank, Upper Michigan FDIC-insured, and under what certificate?
Yes — First Bank, Upper Michigan appears in FDIC BankFind under certificate 14276. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Gladstone, MI, with a charter dated August 14, 1916, $629 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees First Bank, Upper Michigan?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to First Bank, Upper Michigan come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the First Bank, Upper Michigan head office in Gladstone, Michigan.
How many credit-card complaints does the CFPB show against First Bank, Upper Michigan?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Bank, Upper Michigan exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a First Bank, Upper Michigan charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Bank, Upper Michigan account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with First Bank, Upper Michigan and disputing with a collector?
Go to whoever holds the documents. First Bank, Upper Michigan has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First Bank, Upper Michigan tends to produce a substantive answer rather than a rubber-stamp verification.
Does First Bank, Upper Michigan report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Bank, Upper Michigan — 8 offices in Michigan — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate First Bank, Upper Michigan tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Bank, Upper Michigan has operated since 1916, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a First Bank, Upper Michigan account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Bank, Upper Michigan under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is First Bank, Upper Michigan headquartered, and does that affect my dispute?
First Bank, Upper Michigan is headquartered in Gladstone, Michigan, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 First Bank, Upper Michigan; 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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