Range Bank on Your Credit Report
In short: Range Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Marquette, Michigan. FDIC certificate 5072 records the charter as established June 4, 1887. The nineteenth-century charter date matters here only because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. The 06/30/2026 call report puts total assets at $604 million, spread over 9 FDIC-reported offices. Range Bank books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. 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 Range Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Range Bank holds FDIC certificate 5072, chartered June 4, 1887 in Marquette, Michigan (139 years old), and reported $604 million in total assets across 9 offices on the 06/30/2026 call report.
How Range Bank appears on your credit report
Treat Range Bank as an original creditor rather than a collection agency — the dispute route is different. At $604 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Michigan offices
- ◆First-lien mortgages and home-equity lines on Michigan property
- ◆Overdraft lines and deposit-linked credit tied to Range Bank checking accounts
Grounds to dispute a Range Bank entry
Each of these is a reason a Range Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Michigan mortgage paid at closing but still showing a balance with Range Bank
- ◆Charge-off reported by Range Bank after the account was settled in full
- ◆Duplicate Range Bank tradeline created when the account migrated between core systems
- ◆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
Range 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, Range 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 Range Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Range Bank questions, answered
Is Range Bank FDIC-insured, and what is its certificate number?
Yes. Range Bank holds FDIC certificate 5072. The FDIC record shows a charter established June 4, 1887, headquarters in Marquette, MI, and 9 FDIC-reported offices with $604 million 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 banking regulator.
Who regulates Range 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, Range Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Range Bank?
We do not publish a figure for Range Bank. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Range Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Range Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Range Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Range Bank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Range Bank and disputing with a collector?
Range Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Range Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Range Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Range Bank's own arrangements. A lender with 9 offices and $604 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Range Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Range Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Range Bank account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Identify both versions by last four digits and open date when you dispute.
Can I dispute Range 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. Write to Range Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Range Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Range 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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