Clarion County Community Bank on Your Credit Report
In short: Clarion County Community Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Clarion, Pennsylvania. Certificate 57624 was issued against a charter dating to January 7, 2004, a modern charter. At the 06/30/2026 reporting date the bank showed $262 million in total assets and 5 FDIC-reported offices. As the originating lender, Clarion County Community Bank is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Clarion County Community Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Clarion County Community Bank carries FDIC certificate 57624, operates 5 FDIC-reported offices and reported $262 million in assets on its most recent call report in Clarion, Pennsylvania.
How Clarion County Community Bank appears on your credit report
This tradeline is furnished by Clarion County Community Bank itself, not purchased from another lender, which means the source documents are held in-house. Clarion County Community Bank is Pennsylvania-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Pennsylvania
- ◆Purchase-money mortgages and home-equity draws written in the Clarion area
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a Clarion County Community Bank entry
Each of these is a reason a Clarion County Community Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Clarion teller window credited a day late and reported as delinquent
- ◆Balance not updated to zero after Clarion County Community Bank completed the payoff
- ◆Single Clarion County Community Bank account reporting twice following a data 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
Clarion County Community 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, Clarion County Community 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 Clarion County Community Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Clarion County Community Bank questions, answered
Is Clarion County Community Bank FDIC-insured, and what is its certificate number?
It is insured, and certificate 57624 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Clarion, PA, chartered January 7, 2004, reporting $262 million and 5 offices as of 06/30/2026.
My dispute with Clarion County Community Bank failed — who do I complain to?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Clarion County Community Bank tells you.
What is the CFPB complaint count for Clarion County Community Bank?
We do not publish a figure for Clarion County Community Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
When does a Clarion County Community Bank charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Clarion County Community Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
Is it better to go to Clarion County Community Bank or to the collector?
Clarion County Community Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Clarion County Community Bank puts the question to the party that can actually check it against source documents.
Will a Clarion County Community Bank account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Clarion County Community Bank, with 5 offices around Clarion, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
I see duplicate Clarion County Community Bank tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. Clarion County Community Bank dates to 2004 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Is there a free way to dispute the Clarion County Community Bank tradeline?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Clarion County Community Bank are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Which state regulator shares oversight of Clarion County Community Bank?
Clarion County Community Bank is based in Clarion, Pennsylvania and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Clarion County Community 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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