ChoiceOne Bank on Your Credit Report
In short: ChoiceOne Bank is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Sparta, MI. The FDIC lists it under certificate 1014, with a charter established in 1898 and 50 offices reporting $4.5 billion in total assets as of 06/30/2026. As an original creditor it is the furnisher of any deposit-account, consumer-loan or card tradeline it reports — meaning it, not a third-party collector, is the party responsible under FCRA §623 for the accuracy of what appears on your credit report. 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 ChoiceOne Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
ChoiceOne Bank operates under FDIC certificate 1014 on a charter established January 1, 1898 — 128 years of continuous operation — and reports $4.5 billion in total assets across 50 offices as of its 06/30/2026 call report. It is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Sparta, MI.
How ChoiceOne Bank appears on your credit report
ChoiceOne Bank has operated continuously since 1898, and a charter that old has usually absorbed other institutions along the way. Acquired portfolios are a recurring source of reporting errors — the same account can appear twice, once under the predecessor's name and once under ChoiceOne Bank, or carry an open date inherited from a converted core system. If you see a duplicate or an open date that predates your relationship with this bank, say so explicitly in the dispute.
Names it may report under
Products that commonly show up
- ◆Consumer installment and personal loans originated by ChoiceOne Bank
- ◆Deposit accounts charged off to a negative balance
- ◆Home-equity lines and mortgage accounts serviced under the ChoiceOne Bank name
- ◆Branch-originated consumer credit across its 50-office footprint
Grounds to dispute a ChoiceOne Bank entry
Each of these is a reason a ChoiceOne Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account inherited through an acquisition and now reporting under both the predecessor and ChoiceOne Bank
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆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
ChoiceOne 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, ChoiceOne 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 ChoiceOne Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
ChoiceOne Bank questions, answered
Is ChoiceOne Bank FDIC-insured, and what is its certificate number?
Yes. ChoiceOne Bank holds FDIC certificate 1014. The FDIC record shows a charter established January 1, 1898, headquarters in Sparta, MI, and 50 offices with $4.5 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is a member of the Federal Reserve System.
How do I dispute a ChoiceOne 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 ChoiceOne 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 ChoiceOne Bank can verify, and results vary from case to case.
How long can a ChoiceOne Bank account stay on my credit report?
A negative account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current. That clock does not restart because the account was charged off, sold to a debt buyer, or transferred to another servicer. If the date of first delinquency has been moved forward, that re-aging is itself a reportable FCRA inaccuracy and is worth disputing on its own.
Does ChoiceOne Bank appear in the CFPB complaint database?
We do not publish a complaint figure for ChoiceOne Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 1014, 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 ChoiceOne Bank and disputing with a collection agency?
ChoiceOne Bank would be the original creditor — the furnisher whose name was on the account when it was opened. A collection agency is a third party that bought or was assigned the account later. Against a collector you can demand validation of the debt under FDCPA §809 within 30 days of their first contact. Against an original creditor that right does not apply; your leverage is the FCRA §623 accuracy duty instead. The two routes have different deadlines and different evidence, so identify which party is actually reporting before you write.
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 ChoiceOne 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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