Empire State Bank on Your Credit Report
In short: Empire State Bank is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Staten Island, New York. The charter recorded for Empire State Bank was established June 28, 2004 — a modern charter that has furnished electronically for its whole life. As of the 06/30/2026 call report, Empire State Bank held $618 million in assets and operated 7 FDIC-reported offices. Empire State 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 open 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 Empire State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Empire State Bank appears in the FDIC's institution directory under certificate 57672, chartered June 28, 2004 in Staten Island, New York, with 7 FDIC-reported offices.
How Empire State Bank appears on your credit report
Empire State Bank is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in New York and operating 7 offices, Empire State Bank handles disputes against its own records. Write the dispute down, identify the precise field, and open the §611 bureau route at the same time. No outcome is promised — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 7 New York offices
- ◆Mortgage and home-equity credit originated in its New York market
- ◆Negative deposit balances charged off and reported
Grounds to dispute an Empire State Bank entry
Each of these is a reason an Empire State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Branch deposit credited after cutoff and reported as a missed payment
- ◆Balance still reporting once Empire State Bank had applied the payoff
- ◆Duplicate tradeline created by a Staten Island core-system conversion
- ◆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
Empire State 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, Empire State 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 Empire State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Empire State Bank questions, answered
Is Empire State Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 57672. That record lists Empire State Bank as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Staten Island, NY, chartered June 28, 2004, with $618 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Empire State Bank, and where do I escalate if a dispute fails?
As a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, Empire State Bank answers primarily to that 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 Empire State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Empire State 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 an Empire State Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Empire State Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Empire State Bank and disputing with a collector?
Empire State Bank is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with Empire State Bank under §623 puts the question to the party that can actually check it.
Does Empire State Bank report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Empire State Bank, differing balances tend to be timing; differing status or first-delinquency dates are what deserve a dispute.
Empire State Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. Empire State Bank has operated since 2004, and charters that old have usually been through at least one core-system migration. One 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 an Empire State Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Empire State Bank are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Information that is accurate and still inside the reporting window stays put.
Where is Empire State Bank headquartered, and does that affect my dispute?
Empire State Bank is headquartered in Staten Island, New York, with 7 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 Empire State 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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