The Adirondack Trust Company on Your Credit Report
In short: The Adirondack Trust Company is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. The FDIC record lists certificate 660, a charter dating to 1901, headquarters in Saratoga Springs, NY, and 13 FDIC-reported offices holding $1.70 billion in assets as of 06/30/2026. When The Adirondack Trust Company reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 The Adirondack Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 660 belongs to The Adirondack Trust Company, a state bank headquartered in Saratoga Springs, NY since its charter was established in 1901. The 06/30/2026 call report puts it at $1.70 billion in assets spread across 13 FDIC-reported offices — roughly $131 million each.
How The Adirondack Trust Company appears on your credit report
Because The Adirondack Trust Company is regional — $1.70 billion in assets, 13 FDIC-reported offices, headquartered in Saratoga Springs, NY — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Credit lines tied to The Adirondack Trust Company relationship account
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a The Adirondack Trust Company entry
Each of these is a reason a The Adirondack Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between The Adirondack Trust Company systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into The Adirondack Trust Company
- ◆Payment posted at The Adirondack Trust Company in Saratoga Springs, NY but reported late because of a processing-date mismatch
- ◆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
The Adirondack Trust Company 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, The Adirondack Trust Company 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 The Adirondack Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Adirondack Trust Company questions, answered
Is The Adirondack Trust Company FDIC-insured, and what is its certificate number?
Yes. The Adirondack Trust Company holds FDIC certificate 660. The FDIC record shows a charter established January 1, 1901, headquarters in Saratoga Springs, NY, and 13 FDIC-reported offices with $1.70 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates The Adirondack Trust Company, and where do I escalate if a dispute fails?
The Adirondack Trust Company is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the NY state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is The Adirondack Trust Company charter, and why does that matter for my credit report?
The Adirondack Trust Company's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1901 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask The Adirondack Trust Company in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is The Adirondack Trust Company, and what does that mean for disputing an account?
The Adirondack Trust Company reports $1.70 billion across 13 FDIC-reported offices — roughly $131 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute The Adirondack Trust Company account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with The Adirondack Trust Company as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what The Adirondack Trust Company can verify, and results vary from case to case.
Does NY law change anything about The Adirondack Trust Company account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. The Adirondack Trust Company being headquartered in Saratoga Springs, NY does not make NY law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can The Adirondack Trust Company account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on The Adirondack Trust Company account and never caught up on. It does not run from the charge-off date, the sale date, or the date The Adirondack Trust Company last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does The Adirondack Trust Company appear in the CFPB complaint database?
We do not publish a complaint figure for The Adirondack Trust Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 660, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with The Adirondack Trust Company and disputing with a collection agency?
The distinction decides which statute you are using. The Adirondack Trust Company is the original creditor and the furnisher of the tradeline, so your route is FCRA §623 — a duty to report accurately, with no 30-day validation window attached. A debt collector that later acquires the account is covered by the FDCPA instead, and FDCPA §809 gives you a validation demand within 30 days of its first contact. Read the furnisher name on your report first; a validation letter sent to The Adirondack Trust Company is aimed at the wrong statute.
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 The Adirondack Trust Company; 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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