Liberty Capital Bank on Your Credit Report
In short: Headquartered in Addison, Texas, Liberty Capital Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 58852 dates to September 15, 2008 — a modern charter. The 06/30/2026 call report puts Liberty Capital Bank at $768 million in assets across 5 FDIC-reported offices. Liberty Capital Bank 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 Liberty Capital Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Liberty Capital Bank carries FDIC certificate 58852, operates 5 FDIC-reported offices and reported $768 million in assets on its most recent call report in Addison, Texas.
How Liberty Capital Bank appears on your credit report
Liberty Capital Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Liberty Capital Bank is Texas-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Texas
- ◆Residential mortgage and home-equity lending in and around Addison
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute a Liberty Capital Bank entry
Each of these is a reason a Liberty Capital 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 Addison posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Liberty Capital Bank completed the payoff
- ◆Single Liberty Capital Bank 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
Liberty Capital Bank 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, Liberty Capital Bank 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 Liberty Capital Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Liberty Capital Bank questions, answered
Does the FDIC insure deposits at Liberty Capital Bank?
Certificate 58852 is the FDIC record for Liberty Capital Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Addison, TX, with a charter dating to September 15, 2008; the 06/30/2026 call report shows $768 million in assets and 5 offices.
My dispute with Liberty Capital Bank failed — who do I complain to?
Liberty Capital Bank answers primarily to the FDIC and its state banking regulator. 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 Liberty Capital Bank head office in Addison is the right address for the written record.
How many credit-card complaints does the CFPB show against Liberty Capital Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Liberty Capital Bank 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.
When does a Liberty Capital Bank charge-off fall off my 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 Liberty Capital Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with Liberty Capital Bank and disputing with a collector?
Go to whoever holds the documents. Liberty Capital Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Liberty Capital Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Liberty Capital Bank report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Liberty Capital Bank, with 5 offices around Addison, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one Liberty Capital Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Liberty Capital Bank has operated since 2008, 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.
Do I need to hire someone to dispute a Liberty Capital Bank entry?
No payment is required. Writing to the bureaus under §611 or to Liberty Capital Bank 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 Liberty Capital Bank headquartered, and does that affect my dispute?
Liberty Capital Bank is headquartered in Addison, Texas, 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 Liberty Capital Bank; 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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