First Federal Bank of Wisconsin on Your Credit Report
In short: First Federal Bank of Wisconsin is a state-chartered savings bank supervised by the FDIC and its state regulator headquartered in Waukesha, Wisconsin. FDIC certificate 30422 traces to January 1, 1922, a charter older than the FDIC itself. As of the 06/30/2026 call report, First Federal Bank of Wisconsin held $286 million in assets and operated 5 FDIC-reported offices. First Federal Bank of Wisconsin is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Wisconsin actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Federal Bank of Wisconsin carries FDIC certificate 30422, operates 5 FDIC-reported offices and reported $286 million in assets on its most recent call report in Waukesha, Wisconsin.
How First Federal Bank of Wisconsin appears on your credit report
First Federal Bank of Wisconsin furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. First Federal Bank of Wisconsin is Wisconsin-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer installment and personal lending across its 5 Wisconsin offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Waukesha
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a First Federal Bank of Wisconsin entry
Each of these is a reason a First Federal Bank of Wisconsin tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Waukesha posted after the due date and reported 30 days late
- ◆Account still showing a balance after First Federal Bank of Wisconsin processed the final payment
- ◆Single First Federal Bank of Wisconsin account reporting twice following a data migration
- ◆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 Wisconsin 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 Wisconsin 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 Wisconsin 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 Wisconsin questions, answered
Is First Federal Bank of Wisconsin FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 30422. The FDIC record lists First Federal Bank of Wisconsin as a state-chartered savings bank supervised by the FDIC and its state regulator headquartered in Waukesha, WI, chartered January 1, 1922, holding $286 million across 5 offices at the 06/30/2026 call report.
My dispute with First Federal Bank of Wisconsin failed — who do I complain to?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Wisconsin you banked with First Federal Bank of Wisconsin.
How many credit-card complaints does the CFPB show against First Federal Bank of Wisconsin?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Federal Bank of Wisconsin 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.
When does a First Federal Bank of Wisconsin charge-off fall off my report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the First Federal Bank of Wisconsin account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
Should I dispute with First Federal Bank of Wisconsin directly or with the collection agency?
First Federal Bank of Wisconsin is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to First Federal Bank of Wisconsin puts the question to the party that can actually check it against source documents.
Does First Federal Bank of Wisconsin report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and First Federal Bank of Wisconsin, with 5 offices around Waukesha, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
First Federal Bank of Wisconsin changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. First Federal Bank of Wisconsin has operated since 1922, 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.
Do I need to hire someone to dispute a First Federal Bank of Wisconsin entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First Federal Bank of Wisconsin are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is First Federal Bank of Wisconsin headquartered, and does that affect my dispute?
The home office is in Waukesha, Wisconsin, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 Wisconsin; 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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