The Freedom Bank of Virginia on Your Credit Report
In short: The Freedom Bank of Virginia is a state-chartered bank and member of the Federal Reserve System headquartered in Fairfax, Virginia. The charter behind FDIC certificate 57184 dates to July 23, 2001 — a twenty-first-century charter, so its records were electronic from the start. As of the 06/30/2026 call report, The Freedom Bank of Virginia held $1.04 billion in assets and operated 6 FDIC-reported offices. The Freedom Bank of Virginia 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 open 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 The Freedom Bank of Virginia actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Freedom Bank of Virginia appears in FDIC records as certificate 57184 — $1.04 billion in total assets, 6 offices, headquartered in Fairfax, Virginia, on a charter 25 years old as of 2026.
How The Freedom Bank of Virginia appears on your credit report
Because The Freedom Bank of Virginia originated the account rather than buying it, it holds the underlying file — the application, the statements and the posting history. A 6-office bank this size typically routes disputes through a single back-office team, so a written §623 dispute naming the exact field in question tends to land better than a phone call. File the §611 bureau dispute in parallel. What happens next depends on the documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 6 Virginia offices
- ◆Mortgage and home-equity credit originated in its Virginia market
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a The Freedom Bank of Virginia entry
Each of these is a reason a The Freedom Bank of Virginia tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made in person in Fairfax but applied to a different The Freedom Bank of Virginia account
- ◆Paid-in-full The Freedom Bank of Virginia balance still reporting as outstanding
- ◆Duplicate The Freedom Bank of Virginia entry created by a servicing-platform change
- ◆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 Freedom Bank of Virginia 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 Freedom Bank of Virginia 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 Freedom Bank of Virginia a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Freedom Bank of Virginia questions, answered
Is The Freedom Bank of Virginia FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 57184. That record lists The Freedom Bank of Virginia as a state-chartered bank and member of the Federal Reserve System headquartered in Fairfax, VA, chartered July 23, 2001, with $1.04 billion in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Freedom Bank of Virginia, and where do I escalate if a dispute fails?
As a state-chartered bank and member of the Federal Reserve System, The Freedom Bank of Virginia 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 The Freedom Bank of Virginia?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Freedom Bank of Virginia 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 the Freedom Bank of Virginia charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Freedom Bank of Virginia account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with The Freedom Bank of Virginia and disputing with a collector?
The Freedom Bank of Virginia is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with The Freedom Bank of Virginia under §623 puts the question to the party that can actually check it.
Does The Freedom Bank of Virginia report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With The Freedom Bank of Virginia, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Freedom Bank of Virginia was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. The Freedom Bank of Virginia has operated since 2001, and charters that old have usually been through at least one core-system migration. One 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.
Can I dispute the Freedom Bank of Virginia account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Freedom Bank of Virginia are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Anything accurate and timely stays on the report.
Where is The Freedom Bank of Virginia headquartered, and does that affect my dispute?
The Freedom Bank of Virginia is headquartered in Fairfax, Virginia, with 6 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 The Freedom Bank of Virginia; 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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