First Federal Bank of Ohio on Your Credit Report
In short: First Federal Bank of Ohio is a state-chartered savings bank, headquartered in Galion, Ohio. FDIC certificate 27643 records the charter as established January 1, 1891. The nineteenth-century charter date matters here only because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. As of the 06/30/2026 call report, First Federal Bank of Ohio held $283 million in assets and operated 9 FDIC-reported offices. First Federal Bank of Ohio books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the 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 Federal Bank of Ohio actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Federal Bank of Ohio holds FDIC certificate 27643, chartered January 1, 1891 in Galion, Ohio (135 years old), and reported $283 million in total assets across 9 offices on the 06/30/2026 call report.
How First Federal Bank of Ohio appears on your credit report
First Federal Bank of Ohio is an original creditor, not a collector, and that changes the mechanics. At $283 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. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. 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 Ohio offices
- ◆First-lien mortgages and home-equity lines on Ohio property
- ◆Small-business and consumer accounts carried on the First Federal Bank of Ohio balance sheet
Grounds to dispute a First Federal Bank of Ohio entry
Each of these is a reason a First Federal Bank of Ohio tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Ohio home-equity line closed at refinance yet still reporting open with First Federal Bank of Ohio
- ◆Paid-in-full installment loan still showing a First Federal Bank of Ohio charge-off status
- ◆Duplicate First Federal Bank of Ohio 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
First Federal Bank of Ohio 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 Federal Bank of Ohio 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 Federal Bank of Ohio a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Federal Bank of Ohio questions, answered
Is First Federal Bank of Ohio FDIC-insured, and what is its certificate number?
Yes. First Federal Bank of Ohio holds FDIC certificate 27643. The FDIC record shows a charter established January 1, 1891, headquarters in Galion, OH, and 9 FDIC-reported offices with $283 million in total assets as of the 06/30/2026 call report. It is a state-chartered savings bank, supervised by the FDIC and its state banking regulator.
Who regulates First Federal Bank of Ohio, and where do I escalate if a dispute fails?
As a state-chartered savings bank, First Federal Bank of Ohio 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 First Federal Bank of Ohio?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Federal Bank of Ohio 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 Federal Bank of Ohio charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First Federal Bank of Ohio account. That anchor date does not reset when the balance is charged off, sold, or transferred. A First Federal Bank of Ohio tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with First Federal Bank of Ohio and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. First Federal Bank of Ohio's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to First Federal Bank of Ohio tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does First Federal Bank of Ohio 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 First Federal Bank of Ohio 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.
First Federal Bank of Ohio was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First Federal Bank of Ohio migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute First Federal Bank of Ohio reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to First Federal Bank of Ohio naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on First Federal Bank of Ohio reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, pull your own statements and check the First Federal Bank of Ohio entry field by field. One documented error beats a broad removal request every time.
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 Federal Bank of Ohio; 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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