McCurtain County National Bank on Your Credit Report
In short: McCurtain County National Bank operates out of Broken Bow, Oklahoma as a nationally chartered bank supervised by the Office of the Comptroller of the Currency. Certificate 23798 was issued against a charter dating to April 23, 1982, a late-twentieth-century charter. As of the 06/30/2026 call report, McCurtain County National Bank held $384 million in assets and operated 5 FDIC-reported offices. As the originating lender, McCurtain County National Bank 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 McCurtain County National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
McCurtain County National Bank carries FDIC certificate 23798, operates 5 FDIC-reported offices and reported $384 million in assets on its most recent call report in Broken Bow, Oklahoma.
How McCurtain County National Bank appears on your credit report
Because McCurtain County National Bank originated the account, it furnishes the tradeline directly and holds the original file. With an Oklahoma charter and 5 FDIC-reported offices, McCurtain County National Bank adjudicates these disputes internally. 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
- ◆Consumer installment and personal lending across its 5 Oklahoma offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Broken Bow
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a McCurtain County National Bank entry
Each of these is a reason a McCurtain County National 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 Broken Bow posted after the due date and reported 30 days late
- ◆Account still showing a balance after McCurtain County National Bank processed the final payment
- ◆Single McCurtain County National 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
McCurtain County National 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, McCurtain County National 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 McCurtain County National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
McCurtain County National Bank questions, answered
What is the FDIC certificate number for McCurtain County National Bank?
Certificate 23798 is the FDIC record for McCurtain County National Bank. It describes a nationally chartered bank supervised by the Office of the Comptroller of the Currency based in Broken Bow, OK, with a charter dating to April 23, 1982; the 06/30/2026 call report shows $384 million in assets and 5 offices.
Which regulator oversees McCurtain County National Bank?
The supervising authority is the Office of the Comptroller of the Currency. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever McCurtain County National Bank tells you.
What is the CFPB complaint count for McCurtain County National Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for McCurtain County National Bank, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
What is the reporting limit on a McCurtain County National Bank account?
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 McCurtain County National Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to McCurtain County National Bank or to the collector?
The distinction matters because of who holds the evidence. McCurtain County National Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with McCurtain County National Bank reaches the records themselves.
Does McCurtain County National Bank furnish to Equifax, Experian and TransUnion?
Furnishing is voluntary under the FCRA, so McCurtain County National Bank — 5 offices in Oklahoma — 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.
Why does one McCurtain County National Bank account appear twice on my report?
That pattern is typically a merger or conversion leftover rather than two real debts. McCurtain County National Bank dates to 1982 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.
Do I need to hire someone to dispute a McCurtain County National Bank entry?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to McCurtain County National Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Which state regulator shares oversight of McCurtain County National Bank?
McCurtain County National Bank is based in Broken Bow, Oklahoma and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 McCurtain County National 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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