First Vision Bank of Tennessee on Your Credit Report
In short: Headquartered in Tullahoma, Tennessee, First Vision Bank of Tennessee is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. FDIC certificate 58201 traces to November 28, 2005, a modern charter. As of the 06/30/2026 call report, First Vision Bank of Tennessee held $414 million in assets and operated 5 FDIC-reported offices. As the originating lender, First Vision Bank of Tennessee 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 Vision Bank of Tennessee actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Vision Bank of Tennessee carries FDIC certificate 58201, operates 5 FDIC-reported offices and reported $414 million in assets on its most recent call report in Tullahoma, Tennessee.
How First Vision Bank of Tennessee appears on your credit report
First Vision Bank of Tennessee furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Chartered in Tennessee and operating 5 FDIC-reported offices, First Vision Bank of Tennessee handles disputes against its own records. 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
- ◆Deposit-secured and personal installment credit written at its 5 Tennessee offices
- ◆Mortgage and home-equity accounts originated in the Tullahoma market
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute a First Vision Bank of Tennessee entry
Each of these is a reason a First Vision Bank of Tennessee tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Tullahoma teller window credited a day late and reported as delinquent
- ◆Balance not updated to zero after First Vision Bank of Tennessee completed the payoff
- ◆Single First Vision Bank of Tennessee 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 Vision Bank of Tennessee 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 Vision Bank of Tennessee 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 Vision Bank of Tennessee a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Vision Bank of Tennessee questions, answered
Does the FDIC insure deposits at First Vision Bank of Tennessee?
Certificate 58201 is the FDIC record for First Vision Bank of Tennessee. It describes a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator based in Tullahoma, TN, with a charter dating to November 28, 2005; the 06/30/2026 call report shows $414 million in assets and 5 offices.
Who regulates First Vision Bank of Tennessee, and where do I escalate if a dispute fails?
Oversight sits with the Federal Reserve 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 Tennessee you banked with First Vision Bank of Tennessee.
What is the CFPB complaint count for First Vision Bank of Tennessee?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Vision Bank of Tennessee 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 Vision Bank of Tennessee charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the First Vision Bank of Tennessee tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with First Vision Bank of Tennessee directly or with the collection agency?
Go to whoever holds the documents. First Vision Bank of Tennessee has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First Vision Bank of Tennessee tends to produce a substantive answer rather than a rubber-stamp verification.
Does First Vision Bank of Tennessee report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and First Vision Bank of Tennessee, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with First Vision Bank of Tennessee.
Why does one First Vision Bank of Tennessee account appear twice on my report?
That pattern is typically a merger or conversion leftover rather than two real debts. First Vision Bank of Tennessee dates to 2005 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 Vision Bank of Tennessee account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Vision Bank of Tennessee 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.
Which state regulator shares oversight of First Vision Bank of Tennessee?
The home office is in Tullahoma, Tennessee, 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 Federal Reserve 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 Vision Bank of Tennessee; 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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