The First National Bank of Middle Tennessee on Your Credit Report
In short: The First National Bank of Middle Tennessee is a national bank chartered by the Office of the Comptroller of the Currency, operating from Mcminnville, TN on a charter established in 1874. FDIC certificate 4952 records 10 FDIC-reported offices and $952 million in total assets on the 06/30/2026 call report. An account reported by The First National Bank of Middle Tennessee is furnished by the bank itself, so your FCRA §623 rights attach to The First National Bank of Middle Tennessee directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 First National Bank of Middle Tennessee actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of Middle Tennessee has been in continuous operation for 152 years, chartered October 30, 1874 and carried on the FDIC's books as certificate 4952. Its 06/30/2026 call report shows 10 FDIC-reported offices and $952 million in total assets, averaging roughly $95 million per office.
How The First National Bank of Middle Tennessee appears on your credit report
Disputing the First National Bank of Middle Tennessee tradeline is not the same as disputing one from a national issuer. With $952 million in assets across 10 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Co-signed family and student-support loans
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Overdraft lines attached to a checking account
Grounds to dispute a The First National Bank of Middle Tennessee entry
Each of these is a reason a The First National Bank of Middle Tennessee tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed The First National Bank of Middle Tennessee deposit-secured line still reporting as an open revolving account
- ◆Charge-off reported by The First National Bank of Middle Tennessee after the account was settled in full
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆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 First National Bank of Middle 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, The First National Bank of Middle 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 The First National Bank of Middle Tennessee a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The First National Bank of Middle Tennessee questions, answered
Is The First National Bank of Middle Tennessee FDIC-insured, and what is its certificate number?
Yes. The First National Bank of Middle Tennessee holds FDIC certificate 4952. The FDIC record shows a charter established October 30, 1874, headquarters in Mcminnville, TN, and 10 FDIC-reported offices with $952 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates The First National Bank of Middle Tennessee, and where do I escalate if a dispute fails?
The First National Bank of Middle Tennessee is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The First National Bank of Middle Tennessee?
None that can be attributed with confidence. The First National Bank of Middle Tennessee does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The First National Bank of Middle Tennessee would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a The First National Bank of Middle Tennessee charge-off stay on my credit report?
A charged-off The First National Bank of Middle Tennessee account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date The First National Bank of Middle Tennessee charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with The First National Bank of Middle Tennessee and disputing with a collector?
The First National Bank of Middle Tennessee holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to The First National Bank of Middle Tennessee is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does The First National Bank of Middle Tennessee report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of The First National Bank of Middle Tennessee — 10 offices, $952 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding the First National Bank of Middle Tennessee account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
The First National Bank of Middle Tennessee was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted The First National Bank of Middle Tennessee account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1874, core-system conversions are the usual cause.
Can I dispute The First National Bank of Middle Tennessee reporting myself, without paying anyone?
Yes. Both routes — FCRA §611 through Equifax, Experian and TransUnion, and FCRA §623 directly with The First National Bank of Middle Tennessee — are free and open to you. No one can lawfully promise a specific outcome or score change, and results vary with what the bank can verify. Paid help is a convenience, never a requirement.
What should I check first on The First National Bank of Middle Tennessee reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 152-year-old lender like The First National Bank of Middle Tennessee, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 First National Bank of Middle 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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