Cattaraugus County Bank on Your Credit Report
In short: Cattaraugus County Bank is a community-scale lender operating as a state-chartered commercial bank that is not a member of the Federal Reserve System, based in Little Valley, New York. Under FDIC certificate 12959, the charter was established January 1, 1902, making it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. The 06/30/2026 call report shows $385 million in total assets across 7 FDIC-reported offices. Accounts originated here are furnished by Cattaraugus County Bank itself, which means a §623 dispute goes to the institution that holds the underlying file. 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 Cattaraugus County Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cattaraugus County Bank operates 7 FDIC-reported offices out of Little Valley, New York, under certificate 12959, and the 06/30/2026 call report puts its total assets at $385 million on a charter dating to January 1, 1902.
How Cattaraugus County Bank appears on your credit report
Cattaraugus County Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a Cattaraugus County Bank deposit relationship
- ◆Consumer installment loans booked across its branch network
Grounds to dispute a Cattaraugus County Bank entry
Each of these is a reason a Cattaraugus County Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when Cattaraugus County Bank converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆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
Cattaraugus 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, Cattaraugus 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 Cattaraugus 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.
Cattaraugus County Bank questions, answered
Is Cattaraugus County Bank FDIC-insured, and what is its certificate number?
Yes. Cattaraugus County Bank carries FDIC certificate 12959. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Little Valley, NY, established January 1, 1902, reporting $385 million in total assets and 7 offices as of 06/30/2026.
Who regulates Cattaraugus County 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, Cattaraugus County Bank answers primarily to the FDIC and its state banking regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Cattaraugus County Bank?
We do not publish a figure for Cattaraugus County Bank. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a Cattaraugus County Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Cattaraugus County Bank account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with Cattaraugus County Bank and disputing with a collector?
Cattaraugus County Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Cattaraugus County Bank reaches the source documents instead.
Does Cattaraugus County Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With Cattaraugus County Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Cattaraugus County Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Cattaraugus County Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Push for removal of the duplicate entry instead of accepting a "closed" notation, which does not undo the scoring impact. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute Cattaraugus County 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. Send Cattaraugus County Bank a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on Cattaraugus County 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. Compare the Cattaraugus County Bank tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 Cattaraugus 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.