Trinity Capital Bank of Texas on Your Credit Report
In short: Trinity Capital Bank of Texas is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Ennis, Texas. FDIC certificate 13000 traces to January 1, 1933, a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $457 million in total assets and 5 FDIC-reported offices. As the originating lender, Trinity Capital Bank of Texas is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Trinity Capital Bank of Texas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Trinity Capital Bank of Texas carries FDIC certificate 13000, operates 5 FDIC-reported offices and reported $457 million in assets on its most recent call report in Ennis, Texas.
How Trinity Capital Bank of Texas appears on your credit report
Because Trinity Capital Bank of Texas originated the account, it furnishes the tradeline directly and holds the original file. Trinity Capital Bank of Texas is Texas-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 Texas locations
- ◆First-lien residential mortgages and second-lien home-equity credit around Ennis
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a Trinity Capital Bank of Texas entry
Each of these is a reason a Trinity Capital Bank of Texas tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Ennis office on time but posted to the next cycle
- ◆Paid-in-full Trinity Capital Bank of Texas loan continuing to report an outstanding balance
- ◆One Trinity Capital Bank of Texas obligation appearing as two tradelines after a core-system conversion
- ◆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
Trinity Capital Bank of Texas 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, Trinity Capital Bank of Texas 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 Trinity Capital Bank of Texas a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Trinity Capital Bank of Texas questions, answered
Is Trinity Capital Bank of Texas FDIC-insured, and what is its certificate number?
It is insured, and certificate 13000 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Ennis, TX, chartered January 1, 1933, reporting $457 million and 5 offices as of 06/30/2026.
My dispute with Trinity Capital Bank of Texas failed — who do I complain to?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Texas you banked with Trinity Capital Bank of Texas.
What is the CFPB complaint count for Trinity Capital Bank of Texas?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Trinity Capital Bank of Texas, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
When does a Trinity Capital Bank of Texas charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Trinity Capital Bank of Texas account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
Should I dispute with Trinity Capital Bank of Texas directly or with the collection agency?
Trinity Capital Bank of Texas is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Trinity Capital Bank of Texas puts the question to the party that can actually check it against source documents.
Does Trinity Capital Bank of Texas furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Trinity Capital Bank of Texas, with 5 offices around Ennis, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
I see duplicate Trinity Capital Bank of Texas tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. Trinity Capital Bank of Texas dates to 1933 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Do I need to hire someone to dispute a Trinity Capital Bank of Texas entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Trinity Capital Bank of Texas are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Which state regulator shares oversight of Trinity Capital Bank of Texas?
The home office is in Ennis, Texas, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 Trinity Capital Bank of Texas; 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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