Cashmere Valley Bank on Your Credit Report
In short: Cashmere Valley Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Cashmere, WA on a charter established in 1932. FDIC certificate 1265 records 12 FDIC-reported offices and $2.32 billion in total assets on the 06/30/2026 call report. Any account it reports makes Cashmere Valley Bank the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against the bureaus. 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 Cashmere Valley Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cashmere Valley Bank was chartered September 24, 1932 and is insured under FDIC certificate 1265. It reported $2.32 billion in total assets and 12 FDIC-reported offices on its 06/30/2026 call report — about $193 million per reported office across its WA footprint.
How Cashmere Valley Bank appears on your credit report
Cashmere Valley Bank is a mid-size regional lender headquartered in Cashmere, WA, with 12 FDIC-reported offices and $2.32 billion in assets, on a charter 94 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Auto and other secured consumer loans booked at Cashmere Valley Bank offices
Grounds to dispute a Cashmere Valley Bank entry
Each of these is a reason a Cashmere Valley Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Automatic-payment enrolment that lapsed at Cashmere Valley Bank without notice, producing a late mark
- ◆Account transferred between Cashmere Valley Bank systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into Cashmere Valley Bank
- ◆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
Cashmere Valley 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, Cashmere Valley 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 Cashmere Valley Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cashmere Valley Bank questions, answered
Is Cashmere Valley Bank FDIC-insured, and what is its certificate number?
Yes. Cashmere Valley Bank holds FDIC certificate 1265. The FDIC record shows a charter established September 24, 1932, headquarters in Cashmere, WA, and 12 FDIC-reported offices with $2.32 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Cashmere Valley Bank, and where do I escalate if a dispute fails?
Cashmere Valley Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the WA state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Cashmere Valley Bank charter, and why does that matter for my credit report?
Cashmere Valley Bank was chartered in 1932, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 94-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask Cashmere Valley Bank to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Cashmere Valley Bank, and what does that mean for disputing an account?
Cashmere Valley Bank reports $2.32 billion across 12 FDIC-reported offices — roughly $193 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Cashmere Valley Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Cashmere Valley Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Cashmere Valley Bank can verify, and results vary from case to case.
Does WA law change anything about a Cashmere Valley Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Cashmere Valley Bank being headquartered in Cashmere, WA does not make WA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Cashmere Valley Bank account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the Cashmere Valley Bank account and never caught up on. It does not run from the charge-off date, the sale date, or the date Cashmere Valley Bank last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does Cashmere Valley Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Cashmere Valley Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 1265, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Cashmere Valley Bank and disputing with a collection agency?
The distinction decides which statute you are using. Cashmere Valley Bank is the original creditor and the furnisher of the tradeline, so your route is FCRA §623 — a duty to report accurately, with no 30-day validation window attached. A debt collector that later acquires the account is covered by the FDCPA instead, and FDCPA §809 gives you a validation demand within 30 days of its first contact. Read the furnisher name on your report first; a validation letter sent to Cashmere Valley Bank is aimed at the wrong statute.
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 Cashmere Valley 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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