Madison Valley Bank on Your Credit Report
In short: Madison Valley Bank is a community-scale lender operating as a state-chartered commercial bank that is not a member of the Federal Reserve System, based in Ennis, Montana. The charter behind FDIC certificate 19544 dates to June 21, 1965 — a mid-twentieth-century charter, old enough that early account history exists only on paper and migrated into digital systems later. On the 06/30/2026 call report the bank reported $264 million in assets, served from 5 FDIC-reported offices. Because Madison Valley Bank furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. 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 Madison Valley Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Madison Valley Bank is recorded by the FDIC under certificate 19544 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established June 21, 1965 in Ennis, Montana, with $264 million in assets and 5 offices as of 06/30/2026.
How Madison Valley Bank appears on your credit report
Madison Valley Bank is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a Madison Valley Bank deposit relationship
Grounds to dispute a Madison Valley Bank entry
Each of these is a reason a Madison Valley Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Madison Valley Bank
- ◆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
Madison Valley 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, Madison Valley 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 Madison Valley Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Madison Valley Bank questions, answered
Is Madison Valley Bank FDIC-insured, and what is its certificate number?
Deposits are insured under FDIC certificate 19544. The FDIC record shows a state-chartered commercial bank that is not a member of the Federal Reserve System in Ennis, MT, chartered June 21, 1965, holding $264 million across 5 offices on the 06/30/2026 call report.
Who regulates Madison Valley Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Madison Valley Bank answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against Madison Valley Bank?
We do not publish a figure for Madison Valley Bank. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a Madison Valley Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Madison Valley Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Madison Valley Bank and disputing with a collector?
Madison Valley Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Madison Valley Bank reaches the source documents instead.
Does Madison Valley Bank report to all three credit bureaus?
Nothing in the FCRA compels a furnisher to report to all three nationwide bureaus, so coverage can be uneven. Compare all three files first. With Madison Valley Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Madison Valley Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Madison Valley Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a mid-twentieth-century charter, old enough that early account history exists only on paper and migrated into digital systems later.
Can I dispute Madison Valley Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Put the challenge to Madison Valley Bank in writing, name one field, mirror it to the bureaus, and keep copies. Results vary with what the documentation supports.
What should I check first on Madison Valley Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Compare the Madison Valley Bank tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 Madison Valley 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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