Tri-County Bank on Your Credit Report
In short: Headquartered in Brown City, Michigan, Tri-County Bank is a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. The charter behind FDIC certificate 977 dates to May 29, 1889. At the 06/30/2026 reporting date the bank showed $639 million in total assets and 12 FDIC-reported offices. Tri-County Bank 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 Tri-County Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Tri-County Bank is recorded by the FDIC under certificate 977 as a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, with 12 offices in Michigan and $639 million in assets at the 06/30/2026 call report.
How Tri-County Bank appears on your credit report
Tri-County Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Tri-County Bank, and file the §611 dispute in parallel. the Tri-County Bank reviews these internally from Brown City, Michigan. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 12 Michigan banking offices of Tri-County Bank
- ◆Home-equity lines and residential mortgages originated near Brown City
- ◆Vehicle and equipment paper financed directly through Tri-County Bank
Grounds to dispute a Tri-County Bank entry
Each of these is a reason a Tri-County Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Tri-County Bank not reflected in the monthly status
- ◆Tri-County Bank account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Tri-County Bank without the underlying itemization on file
- ◆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
Tri-County Bank 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, Tri-County Bank 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 Tri-County Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Tri-County Bank questions, answered
Does the FDIC insure deposits at Tri-County Bank?
It is insured, and certificate 977 is the number to quote. The FDIC lists a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, headquartered Brown City, MI, chartered May 29, 1889, reporting $639 million and 12 offices as of 06/30/2026.
Which regulator oversees Tri-County Bank?
Supervision sits with the Federal Reserve and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Tri-County Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Tri-County Bank head office in Brown City, Michigan.
How many credit-card complaints does the CFPB show against Tri-County Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Tri-County Bank 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 Tri-County Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Tri-County Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Tri-County Bank and disputing with a collector?
Go to whoever holds the documents. Tri-County Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Tri-County Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Tri-County Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Tri-County Bank — 12 offices in Michigan — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Tri-County Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Tri-County Bank has operated since 1889, and a charter that old 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.
Can I dispute a Tri-County Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Tri-County Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Tri-County Bank headquartered, and does that affect my dispute?
Tri-County Bank is headquartered in Brown City, Michigan, with 12 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 Tri-County Bank; 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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