Katahdin Trust Company on Your Credit Report
In short: Headquartered in Patten, ME, Katahdin Trust Company has operated under FDIC certificate 12874 since its charter was established in 1918. Its 06/30/2026 call report shows $1.16 billion in total assets and 17 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. An account reported by Katahdin Trust Company is furnished by the bank itself, so your FCRA §623 rights attach to Katahdin Trust Company 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 Katahdin Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Katahdin Trust Company was chartered March 7, 1918 and is insured under FDIC certificate 12874. It reported $1.16 billion in total assets and 17 FDIC-reported offices on its 06/30/2026 call report — about $68 million per reported office across its ME footprint.
How Katahdin Trust Company appears on your credit report
Because Katahdin Trust Company is regional — $1.16 billion in assets, 17 FDIC-reported offices, headquartered in Patten, ME — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Deposit-secured and share-secured credit lines opened at Katahdin Trust Company
- ◆Home-equity lines and mortgage accounts serviced under the Katahdin Trust Company name
- ◆Personal installment loans originated at Katahdin Trust Company offices
Grounds to dispute a Katahdin Trust Company entry
Each of these is a reason a Katahdin Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed Katahdin Trust Company deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by Katahdin Trust Company but still reporting the original delinquent status
- ◆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
Katahdin Trust Company 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, Katahdin Trust Company 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 Katahdin Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Katahdin Trust Company questions, answered
Is Katahdin Trust Company FDIC-insured, and what is its certificate number?
Yes. Katahdin Trust Company holds FDIC certificate 12874. The FDIC record shows a charter established March 7, 1918, headquarters in Patten, ME, and 17 FDIC-reported offices with $1.16 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Katahdin Trust Company, and where do I escalate if a dispute fails?
Katahdin Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, 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 ME 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 Katahdin Trust Company charter, and why does that matter for my credit report?
Katahdin Trust Company was chartered in 1918, 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 108-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 Katahdin Trust Company to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Katahdin Trust Company, and what does that mean for disputing an account?
Katahdin Trust Company reports $1.16 billion across 17 FDIC-reported offices — roughly $68 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 Katahdin Trust Company 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 Katahdin Trust Company 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 Katahdin Trust Company can verify, and results vary from case to case.
Does ME law change anything about a Katahdin Trust Company 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. Katahdin Trust Company being headquartered in Patten, ME does not make ME 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 Katahdin Trust Company account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a Katahdin Trust Company tradeline. The date that matters is when the account first went delinquent and stayed that way — not when Katahdin Trust Company 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 Katahdin Trust Company appear in the CFPB complaint database?
We do not publish a complaint figure for Katahdin Trust Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 12874, 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 Katahdin Trust Company and disputing with a collection agency?
Katahdin Trust Company is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Katahdin Trust Company; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Katahdin Trust Company; 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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