First Federal Savings Bank of Twin Falls on Your Credit Report
In short: First Federal Savings Bank of Twin Falls is a state-chartered savings bank supervised by the FDIC and its state regulator. The FDIC record lists certificate 28845, a charter dating to 1916, headquarters in Twin Falls, ID, and 14 FDIC-reported offices holding $1.42 billion in assets as of 06/30/2026. An account reported by First Federal Savings Bank of Twin Falls is furnished by the bank itself, so your FCRA §623 rights attach to First Federal Savings Bank of Twin Falls directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Savings Bank of Twin Falls actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Federal Savings Bank of Twin Falls appears in the FDIC's active-institution file as certificate 28845, established January 1, 1916. As of the 06/30/2026 call report it carried $1.42 billion in total assets and 14 FDIC-reported offices, an average of about $101 million per office.
How First Federal Savings Bank of Twin Falls appears on your credit report
With $1.42 billion across 14 FDIC-reported offices, First Federal Savings Bank of Twin Falls sits well below the national card issuers in scale. That matters for a dispute: a regional bank in Twin Falls, ID 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
- ◆Credit lines tied to a First Federal Savings Bank of Twin Falls relationship account
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a First Federal Savings Bank of Twin Falls entry
Each of these is a reason a First Federal Savings Bank of Twin Falls tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed First Federal Savings Bank of Twin Falls deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by First Federal Savings Bank of Twin Falls but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆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 Savings Bank of Twin Falls 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 Savings Bank of Twin Falls 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 Savings Bank of Twin Falls 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 Savings Bank of Twin Falls questions, answered
Is First Federal Savings Bank of Twin Falls FDIC-insured, and what is its certificate number?
Yes. First Federal Savings Bank of Twin Falls holds FDIC certificate 28845. The FDIC record shows a charter established January 1, 1916, headquarters in Twin Falls, ID, and 14 FDIC-reported offices with $1.42 billion 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 regulator.
Who regulates First Federal Savings Bank of Twin Falls, and where do I escalate if a dispute fails?
First Federal Savings Bank of Twin Falls is a state-chartered savings bank 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 ID 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 Federal Savings Bank of Twin Falls charter, and why does that matter for my credit report?
First Federal Savings Bank of Twin Falls was chartered in 1916, 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 110-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 Federal Savings Bank of Twin Falls to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is First Federal Savings Bank of Twin Falls, and what does that mean for disputing an account?
First Federal Savings Bank of Twin Falls reports $1.42 billion across 14 FDIC-reported offices — roughly $101 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 Federal Savings Bank of Twin Falls 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 Federal Savings Bank of Twin Falls 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 Federal Savings Bank of Twin Falls can verify, and results vary from case to case.
Does ID law change anything about a First Federal Savings Bank of Twin Falls 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 Federal Savings Bank of Twin Falls being headquartered in Twin Falls, ID does not make ID 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 Federal Savings Bank of Twin Falls account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a First Federal Savings Bank of Twin Falls tradeline. The date that matters is when the account first went delinquent and stayed that way — not when First Federal Savings Bank of Twin Falls 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 Federal Savings Bank of Twin Falls appear in the CFPB complaint database?
We do not publish a complaint figure for First Federal Savings Bank of Twin Falls. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 28845, 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 Federal Savings Bank of Twin Falls and disputing with a collection agency?
The distinction decides which statute you are using. First Federal Savings Bank of Twin Falls is the original creditor and the furnisher of the tradeline, so your route is FCRA §623 — a duty to report accurately, with no 30-day validation window attached. A debt collector that later acquires the account is covered by the FDCPA instead, and FDCPA §809 gives you a validation demand within 30 days of its first contact. Read the furnisher name on your report first; a validation letter sent to First Federal Savings Bank of Twin Falls is aimed at the wrong statute.
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 Savings Bank of Twin Falls; 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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