First Robinson Savings Bank, National Association on Your Credit Report
In short: First Robinson Savings Bank, National Association is a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Robinson, Illinois. The charter behind FDIC certificate 28105 dates to January 1, 1884 — a nineteenth-century charter that predates every federal credit-reporting statute. Call-report figures for 06/30/2026 list $512 million in assets spread over 5 FDIC-reported offices. As the originating lender, First Robinson Savings Bank, National Association is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Robinson Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Robinson Savings Bank, National Association carries FDIC certificate 28105, operates 5 FDIC-reported offices and reported $512 million in assets on its most recent call report in Robinson, Illinois.
How First Robinson Savings Bank appears on your credit report
Because First Robinson Savings Bank, National Association originated the account, it furnishes the tradeline directly and holds the original file. First Robinson Savings Bank is Illinois-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. 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 Illinois offices
- ◆Home-equity lines and residential mortgages originated near Robinson
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a First Robinson Savings Bank entry
Each of these is a reason a First Robinson Savings Bank 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 Robinson posted after the due date and reported 30 days late
- ◆Paid-in-full First Robinson Savings Bank loan continuing to report an outstanding balance
- ◆One First Robinson Savings Bank obligation appearing as two tradelines after a core-system conversion
- ◆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 Robinson Savings Bank, National Association 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 Robinson Savings Bank, National Association 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 Robinson Savings Bank, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Robinson Savings Bank, National Association questions, answered
Is First Robinson Savings Bank, National Association FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 28105. The FDIC record lists First Robinson Savings Bank, National Association as a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Robinson, IL, chartered January 1, 1884, holding $512 million across 5 offices at the 06/30/2026 call report.
My dispute with First Robinson Savings Bank, National Association failed — who do I complain to?
First Robinson Savings Bank, National Association answers primarily to the Office of the Comptroller of the Currency. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The First Robinson Savings Bank head office in Robinson is the right address for the written record.
What is the CFPB complaint count for First Robinson Savings Bank, National Association?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for First Robinson Savings Bank, National Association, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
How long can a First Robinson Savings Bank, National Association charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the First Robinson Savings Bank, National Association 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.
What is the difference between disputing with First Robinson Savings Bank, National Association and disputing with a collector?
First Robinson Savings Bank, National Association 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 Robinson Savings Bank puts the question to the party that can actually check it against source documents.
Does First Robinson Savings Bank, National Association furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and First Robinson Savings Bank, with 5 offices around Robinson, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
First Robinson Savings Bank, National Association changed names or was acquired — why does my report show two accounts?
That pattern is typically a merger or conversion leftover rather than two real debts. First Robinson Savings Bank dates to 1884 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Can I dispute a First Robinson Savings Bank, National Association account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First Robinson Savings Bank 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.
Which state regulator shares oversight of First Robinson Savings Bank, National Association?
First Robinson Savings Bank, National Association is headquartered in Robinson, Illinois, with 5 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 Robinson Savings Bank, National Association; 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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