TS Bank on Your Credit Report
In short: TS Bank runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Treynor, Iowa. FDIC certificate 14812 records the charter as established June 1, 1923. That makes it an early-twentieth-century charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, TS Bank held $433 million in assets and operated 7 FDIC-reported offices. Since the loans are originated and held by TS Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 TS Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
TS Bank reported $433 million in total assets and 7 FDIC-reported offices on its 06/30/2026 call report, operating from Treynor, Iowa under certificate 14812 since June 1, 1923.
How TS Bank appears on your credit report
Treat TS Bank as the original creditor here — the dispute mechanics differ from a collector's. 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. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Iowa footprint
- ◆Consumer accounts originated across its 7 Iowa offices
Grounds to dispute a TS Bank entry
Each of these is a reason a TS Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by TS Bank
- ◆Account settled with TS Bank still reporting the original charged-off balance
- ◆Single TS Bank 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
TS 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, TS 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 TS Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
TS Bank questions, answered
Is TS Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 14812. That record lists TS Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Treynor, IA, chartered June 1, 1923, with $433 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates TS Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, TS Bank answers primarily to the FDIC and its state banking regulator. 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 TS Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched TS 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 TS Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the TS Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. a TS Bank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with TS Bank and disputing with a collector?
The records sit in different places. TS Bank originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with TS Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does TS Bank 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 TS Bank made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
TS Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When TS Bank 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 from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute TS Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to TS Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on TS Bank 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 from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the TS Bank 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 TS 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.