Coulee Bank on Your Credit Report
In short: Headquartered in La Crosse, Wisconsin, Coulee Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 18361 dates to February 27, 1961. At the 06/30/2026 reporting date the bank showed $524 million in total assets and 8 FDIC-reported offices. Coulee Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Coulee Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Coulee Bank appears in FDIC BankFind as certificate 18361, headquartered La Crosse, Wisconsin, chartered February 27, 1961, with 8 FDIC-reported offices and $524 million in assets.
How Coulee Bank appears on your credit report
Coulee Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Coulee Bank, and file the §611 dispute in parallel. the Coulee Bank reviews these internally from La Crosse, Wisconsin. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Coulee Bank branch staff in Wisconsin
- ◆First-lien residential mortgages and refinances written around La Crosse
- ◆Small-business and agricultural credit carried on the Coulee Bank balance sheet
Grounds to dispute a Coulee Bank entry
Each of these is a reason a Coulee Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Coulee Bank not reflected in the monthly status
- ◆Coulee Bank account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Coulee Bank without the underlying itemization on file
- ◆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
Coulee 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, Coulee 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 Coulee Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Coulee Bank questions, answered
Is Coulee Bank FDIC-insured, and under what certificate?
Yes — Coulee Bank appears in FDIC BankFind under certificate 18361. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in La Crosse, WI, with a charter dated February 27, 1961, $524 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees Coulee Bank?
Coulee Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Coulee Bank head office in La Crosse is the right address for the written record.
How many credit-card complaints does the CFPB show against Coulee Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Coulee 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 Coulee Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Coulee Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Coulee Bank and disputing with a collector?
The records live in different places. As the original creditor, Coulee Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Coulee Bank therefore lands where the evidence actually is.
Does Coulee Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Coulee Bank — 8 offices in Wisconsin — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Coulee Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Coulee Bank has operated since 1961, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a Coulee Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Coulee Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Coulee Bank headquartered, and does that affect my dispute?
Coulee Bank is headquartered in La Crosse, Wisconsin, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Coulee 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.