First State Bank of Livingston on Your Credit Report
In short: Headquartered in Livingston, Texas, First State Bank of Livingston is a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. The charter behind FDIC certificate 15898 dates to October 5, 1910. At the 06/30/2026 reporting date the bank showed $689 million in total assets and 8 FDIC-reported offices. First State Bank of Livingston 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 State Bank of Livingston actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of Livingston is recorded by the FDIC under certificate 15898 as a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, with 8 offices in Texas and $689 million in assets at the 06/30/2026 call report.
How First State Bank of Livingston appears on your credit report
First State Bank of Livingston is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to First State Bank of Livingston, and file the §611 dispute in parallel. the First State Bank of Livingston reviews these internally from Livingston, Texas. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to First State Bank of Livingston checking accounts
- ◆Installment loans originated across the 8 Texas offices of First State Bank of Livingston
- ◆Construction and lot loans underwritten locally by First State Bank of Livingston in Livingston
Grounds to dispute a First State Bank of Livingston entry
Each of these is a reason a First State Bank of Livingston tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with First State Bank of Livingston not reflected in the monthly status
- ◆First State Bank of Livingston account reported in the name of a co-signer who never signed
- ◆Charge-off reported by First State Bank of Livingston without the underlying itemization on file
- ◆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 State Bank of Livingston 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 State Bank of Livingston 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 State Bank of Livingston a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of Livingston questions, answered
Does the FDIC insure deposits at First State Bank of Livingston?
It is insured, and certificate 15898 is the number to quote. The FDIC lists a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, headquartered Livingston, TX, chartered October 5, 1910, reporting $689 million and 8 offices as of 06/30/2026.
Who supervises First State Bank of Livingston if a dispute goes nowhere?
Supervision sits with the Federal Reserve and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to First State Bank of Livingston come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the First State Bank of Livingston head office in Livingston, Texas.
How many credit-card complaints does the CFPB show against First State Bank of Livingston?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First State Bank of Livingston 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 State Bank of Livingston charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date First State Bank of Livingston last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with First State Bank of Livingston and disputing with a collector?
Go to whoever holds the documents. First State Bank of Livingston has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First State Bank of Livingston tends to produce a substantive answer rather than a rubber-stamp verification.
Does First State Bank of Livingston report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First State Bank of Livingston — 8 offices in Texas — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate First State Bank of Livingston tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First State Bank of Livingston has operated since 1910, 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.
Can I dispute a First State Bank of Livingston account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First State Bank of Livingston under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is First State Bank of Livingston headquartered, and does that affect my dispute?
First State Bank of Livingston is headquartered in Livingston, Texas, with 8 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 State Bank of Livingston; 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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