First Fed Bank on Your Credit Report
In short: First Fed Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC record lists certificate 28405, a charter dating to 1923, headquarters in Port Angeles, WA, and 14 FDIC-reported offices holding $2.11 billion in assets as of 06/30/2026. Because First Fed Bank furnishes the tradeline itself, the FCRA §623 accuracy duty runs directly against the bank — so you can dispute with it as well as with 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 First Fed Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 28405 belongs to First Fed Bank, a state bank headquartered in Port Angeles, WA since its charter was established in 1923. The 06/30/2026 call report puts it at $2.11 billion in assets spread across 14 FDIC-reported offices — roughly $150 million each.
How First Fed Bank appears on your credit report
With $2.11 billion across 14 FDIC-reported offices, First Fed Bank sits well below the national card issuers in scale. That matters for a dispute: a mid-size regional bank in Port Angeles, WA is more likely to route your letter to a named person than to an automated queue, so citing the specific field in error — balance, status, date of first delinquency — usually gets further than a blanket denial of the debt.
Names it may report under
Products that commonly show up
- ◆Auto and other secured consumer loans booked at First Fed Bank offices
- ◆Overdraft lines of credit attached to First Fed Bank deposit accounts
- ◆Deposit-secured and share-secured credit lines opened at First Fed Bank
Grounds to dispute a First Fed Bank entry
Each of these is a reason a First Fed Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan modified or deferred by First Fed Bank but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Paid-off First Fed Bank installment loan still showing a balance after the final payment cleared
- ◆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 Fed 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, First Fed 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 First Fed Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Fed Bank questions, answered
Is First Fed Bank FDIC-insured, and what is its certificate number?
Yes. First Fed Bank holds FDIC certificate 28405. The FDIC record shows a charter established January 1, 1923, headquarters in Port Angeles, WA, and 14 FDIC-reported offices with $2.11 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates First Fed Bank, and where do I escalate if a dispute fails?
First Fed Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the WA 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 First Fed Bank charter, and why does that matter for my credit report?
First Fed Bank was chartered in 1923, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 103-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask First Fed Bank to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is First Fed Bank, and what does that mean for disputing an account?
First Fed Bank reports $2.11 billion across 14 FDIC-reported offices — roughly $150 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 First Fed Bank 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 First Fed Bank 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 First Fed Bank can verify, and results vary from case to case.
Does WA law change anything about a First Fed Bank 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. First Fed Bank being headquartered in Port Angeles, WA does not make WA 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 First Fed Bank account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a First Fed Bank tradeline. The date that matters is when the account first went delinquent and stayed that way — not when First Fed Bank charged it off or when it was last reported. If the account has been re-aged so that it will report longer than it should, the wrong date is an FCRA inaccuracy in its own right and can be disputed separately from the debt.
Does First Fed Bank appear in the CFPB complaint database?
We do not publish a complaint figure for First Fed Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 28405, 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 First Fed Bank and disputing with a collection agency?
First Fed Bank is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to First Fed Bank; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Fed 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.