The National Bank of Middlebury on Your Credit Report
In short: The National Bank of Middlebury runs a national bank chartered by the Office of the Comptroller of the Currency out of Middlebury, Vermont. The FDIC records certificate 6275 with a charter date of November 9, 1831 — a pre-Civil-War institution by the FDIC's own dating. The 06/30/2026 call report shows $554 million in total assets spread across 7 FDIC-reported offices. The National Bank of Middlebury 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 National Bank of Middlebury actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The National Bank of Middlebury operates 7 FDIC-reported offices out of Middlebury, Vermont, holding $554 million in assets under certificate 6275 on a charter dating to November 9, 1831.
How The National Bank of Middlebury appears on your credit report
The National Bank of Middlebury furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Residential mortgage and home-equity lending in Vermont
- ◆Consumer accounts originated across its 7 Vermont offices
Grounds to dispute a The National Bank of Middlebury entry
Each of these is a reason a The National Bank of Middlebury tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan paid off at closing but still showing a balance with National Bank of Middlebury
- ◆Settled-for-less account reported by National Bank of Middlebury as a full charge-off
- ◆Single National Bank of Middlebury loan appearing twice after a systems 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
The National Bank of Middlebury 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 National Bank of Middlebury 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 National Bank of Middlebury a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The National Bank of Middlebury questions, answered
Is The National Bank of Middlebury FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 6275. That record lists The National Bank of Middlebury as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Middlebury, VT, chartered November 9, 1831, with $554 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The National Bank of Middlebury, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, National Bank of Middlebury answers primarily to the Office of the Comptroller of the Currency, 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The National Bank of Middlebury?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The National Bank of Middlebury 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 National Bank of Middlebury charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the National Bank of Middlebury account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a National Bank of Middlebury entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with The National Bank of Middlebury and disputing with a collector?
The National Bank of Middlebury is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to National Bank of Middlebury tends to resolve factual questions a collector simply cannot answer.
Does The National Bank of Middlebury report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming National Bank of Middlebury made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
The National Bank of Middlebury was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When National Bank of Middlebury migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter this old predates the national banking system itself, so its records have crossed several generations of bookkeeping.
Can I dispute The National Bank of Middlebury reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the §611 and §623 routes directly; hiring help is optional, never required. Send National Bank of Middlebury a letter naming the one field at issue, send the bureaus the same, and retain proof of mailing. What happens next depends on the records, and results vary.
What should I check first on The National Bank of Middlebury 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. Given that a charter this old predates the national banking system itself, so its records have crossed several generations of bookkeeping, pull your own statements and check the National Bank of Middlebury 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 The National Bank of Middlebury; 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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