First Commercial Bank (USA) on Your Credit Report
In short: First Commercial Bank (USA) 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 Alhambra, California. FDIC records place the charter's origin at May 20, 1997 and assign it certificate 34496. The 06/30/2026 call report lists $850 million in assets across 8 FDIC-reported offices. Because First Commercial Bank (USA) 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 Commercial Bank (USA) actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Commercial Bank (USA) holds FDIC certificate 34496 from a charter dated May 20, 1997, running 8 FDIC-reported offices out of Alhambra, California against $850 million in reported assets.
How First Commercial Bank (USA) appears on your credit report
Because First Commercial Bank (USA) originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to First Commercial Bank (USA) therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in California, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by First Commercial Bank (USA) in California
- ◆Home-improvement and second-lien lending booked near Alhambra
- ◆Commercial and owner-occupied real-estate credit held by First Commercial Bank (USA)
Grounds to dispute a First Commercial Bank (USA) entry
Each of these is a reason a First Commercial Bank (USA) 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 Commercial Bank (USA) failed and the missed cycle reported before notice reached you
- ◆Paid-in-full First Commercial Bank (USA) loan still showing a balance after the payoff cleared
- ◆First Commercial Bank (USA) 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 Commercial Bank (USA) 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 Commercial Bank (USA) 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 Commercial Bank (USA) a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Commercial Bank (USA) questions, answered
Is First Commercial Bank (USA) FDIC-insured, and under what certificate?
Yes — First Commercial Bank (USA) appears in FDIC BankFind under certificate 34496. 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 Alhambra, CA, with a charter dated May 20, 1997, $850 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees First Commercial Bank (USA)?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to First Commercial Bank (USA) 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 Commercial Bank (USA) head office in Alhambra, California.
How many credit-card complaints does the CFPB show against First Commercial Bank (USA)?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Commercial Bank (USA) 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 Commercial Bank (USA) charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Commercial Bank (USA) 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 Commercial Bank (USA) and disputing with a collector?
The records live in different places. As the original creditor, First Commercial Bank (USA) holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at First Commercial Bank (USA) therefore lands where the evidence actually is.
Does First Commercial Bank (USA) report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Commercial Bank (USA) — 8 offices in California — 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 Commercial Bank (USA) tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Commercial Bank (USA) has operated since 1997, 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 Commercial Bank (USA) account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Commercial Bank (USA) 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 Commercial Bank (USA) headquartered, and does that affect my dispute?
First Commercial Bank (USA) is headquartered in Alhambra, California, 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 Commercial Bank (USA); 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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