RNB State Bank on Your Credit Report
In short: RNB State Bank, based in Rawlins, Wyoming, is a state-chartered commercial bank that is a member of the Federal Reserve System. Under FDIC certificate 2228, the charter was established January 1, 1898, making it a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. On the 06/30/2026 call report the bank reported $296 million in assets, served from 5 FDIC-reported offices. Because RNB State 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 RNB State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
RNB State Bank appears in FDIC records as certificate 2228 — $296 million in total assets, 5 offices, headquartered in Rawlins, Wyoming, on a charter 128 years old as of 2026.
How RNB State Bank appears on your credit report
RNB State 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. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
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 RNB State Bank deposit relationship
Grounds to dispute a RNB State Bank entry
Each of these is a reason a RNB State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with RNB State Bank still reporting the original charged-off balance
- ◆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
RNB State 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, RNB State 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 RNB State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
RNB State Bank questions, answered
Is RNB State Bank FDIC-insured, and what is its certificate number?
Deposits are insured under FDIC certificate 2228. The FDIC record shows a state-chartered commercial bank that is a member of the Federal Reserve System in Rawlins, WY, chartered January 1, 1898, holding $296 million across 5 offices on the 06/30/2026 call report.
Who regulates RNB State Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, RNB State Bank answers primarily to the Federal Reserve and its state banking regulator, with the FDIC as deposit insurer. 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 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against RNB State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched RNB State 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.
How long can an RNB State Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the RNB State Bank account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with RNB State Bank and disputing with a collector?
RNB State 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 RNB State Bank reaches the source documents instead.
Does RNB State 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 RNB State Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
RNB State Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When RNB State 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 nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute RNB State 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 RNB State 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 RNB State 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. Pull your own statements and check the RNB State Bank entry field by field. One documented error beats a broad removal request every time.
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 RNB State 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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