Catalyst Bank on Your Credit Report
In short: Based in Opelousas, Louisiana, Catalyst Bank is a state-chartered savings bank. Its FDIC record is certificate 29804, with a charter date of January 1, 1922. Its pre-deposit-insurance charter means the bank's records span multiple eras of consumer-reporting practice. On the 06/30/2026 call report it reported $287 million in total assets and 10 FDIC-reported offices. Catalyst Bank books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through 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 Catalyst Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Catalyst Bank holds FDIC certificate 29804, chartered January 1, 1922 in Opelousas, Louisiana (104 years old), and reported $287 million in total assets across 10 offices on the 06/30/2026 call report.
How Catalyst Bank appears on your credit report
The distinction that matters: Catalyst Bank is the original creditor on the account, not a third party that bought it. A 10-office small community bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆Residential mortgage and HELOC accounts secured by Louisiana real estate
- ◆Small-business and consumer accounts carried on the Catalyst Bank balance sheet
Grounds to dispute a Catalyst Bank entry
Each of these is a reason a Catalyst 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 Catalyst Bank
- ◆Paid-in-full installment loan still showing a Catalyst Bank charge-off status
- ◆The same Catalyst Bank loan appearing twice after a branch or system consolidation
- ◆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
Catalyst 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, Catalyst 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 Catalyst Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Catalyst Bank questions, answered
Is Catalyst Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 29804. That record lists Catalyst Bank as a state-chartered savings bank headquartered in Opelousas, LA, chartered January 1, 1922, with $287 million in assets across 10 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Catalyst Bank, and where do I escalate if a dispute fails?
Catalyst Bank is a state-chartered savings bank, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Catalyst Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Catalyst 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 Catalyst Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Catalyst Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Catalyst Bank and disputing with a collector?
Catalyst Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Catalyst Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Catalyst Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Catalyst Bank's own arrangements. A lender with 10 offices and $287 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Catalyst Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Catalyst Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, a Catalyst Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Catalyst Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Catalyst Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Catalyst 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 predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, pull your own statements and check the Catalyst 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 Catalyst 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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