Southern Bank of Tennessee on Your Credit Report
In short: Southern Bank of Tennessee is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Mount Juliet, Tennessee. The charter behind FDIC certificate 34847 dates to March 22, 1999 — a twentieth-century charter whose reporting practices long predate the FCRA. As of the 06/30/2026 call report, Southern Bank of Tennessee held $533 million in assets and operated 5 FDIC-reported offices. Southern Bank of Tennessee 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 Southern Bank of Tennessee actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Southern Bank of Tennessee holds FDIC certificate 34847 and reported $533 million in assets across 5 FDIC-reported offices from its Mount Juliet, Tennessee headquarters.
How Southern Bank of Tennessee appears on your credit report
The distinction between Southern Bank of Tennessee and a collector is substantive: Southern Bank of Tennessee holds the original file, while an assignee typically works from a transferred data extract. Chartered in Tennessee and operating 5 FDIC-reported offices, Southern Bank of Tennessee handles disputes against its own records. Send it in writing, be specific about which field is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-linked consumer credit originated at its 5 Tennessee offices
- ◆Mortgage and home-equity credit originated in its Tennessee market
- ◆Small-business and commercial credit backed by a personal pledge
Grounds to dispute a Southern Bank of Tennessee entry
Each of these is a reason a Southern Bank of Tennessee tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Counter deposit at a Southern Bank of Tennessee branch in Mount Juliet posted after cutoff and reported late
- ◆Balance not updated to zero after Southern Bank of Tennessee completed the payoff
- ◆Single Southern Bank of Tennessee 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
Southern Bank of Tennessee 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, Southern Bank of Tennessee 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 Southern Bank of Tennessee a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Southern Bank of Tennessee questions, answered
Is Southern Bank of Tennessee FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 34847. That record lists Southern Bank of Tennessee as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Mount Juliet, TN, chartered March 22, 1999, with $533 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Southern Bank of Tennessee, and where do I escalate if a dispute fails?
As a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, Southern Bank of Tennessee answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Southern Bank of Tennessee?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Southern Bank of Tennessee 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 a Southern Bank of Tennessee charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Southern Bank of Tennessee account. Neither a charge-off, a sale to a debt buyer, nor a transfer between servicers resets that date. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with Southern Bank of Tennessee and disputing with a collector?
Southern Bank of Tennessee is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with Southern Bank of Tennessee under §623 puts the question to the party that can actually check it against source documents.
Does Southern Bank of Tennessee report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 5 offices often does not. Pull all three files and compare them. With Southern Bank of Tennessee, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
Southern Bank of Tennessee changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Southern Bank of Tennessee has operated since 1999, and a charter of that age 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 explicitly.
Can I dispute a Southern Bank of Tennessee account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Southern Bank of Tennessee are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Southern Bank of Tennessee headquartered, and does that affect my dispute?
Southern Bank of Tennessee is headquartered in Mount Juliet, Tennessee, 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 Southern Bank of Tennessee; 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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