Pine River State Bank on Your Credit Report
In short: Headquartered in Pine River, Minnesota, Pine River State Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. FDIC certificate 10194 traces to January 22, 1918, a charter older than the FDIC itself. The 06/30/2026 call report puts Pine River State Bank at $185 million in assets across 5 FDIC-reported offices. As the originating lender, Pine River State 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 Pine River State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Pine River State Bank carries FDIC certificate 10194, operates 5 FDIC-reported offices and reported $185 million in assets on its most recent call report in Pine River, Minnesota.
How Pine River State Bank appears on your credit report
This tradeline is furnished by Pine River State Bank itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Minnesota and operating 5 FDIC-reported offices, Pine River State Bank handles disputes against its own records. 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
- ◆Personal and installment credit booked through its 5 Minnesota locations
- ◆Residential mortgage and home-equity lending in and around Pine River
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a Pine River State Bank entry
Each of these is a reason a Pine River State 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 Pine River teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after Pine River State Bank processed the final payment
- ◆Duplicate Pine River State Bank tradeline created when the loan was renumbered internally
- ◆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
Pine River 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, Pine River 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 Pine River 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.
Pine River State Bank questions, answered
Does the FDIC insure deposits at Pine River State Bank?
Certificate 10194 is the FDIC record for Pine River State Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Pine River, MN, with a charter dating to January 22, 1918; the 06/30/2026 call report shows $185 million in assets and 5 offices.
Who regulates Pine River State Bank, and where do I escalate if a dispute fails?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Minnesota you banked with Pine River State Bank.
What is the CFPB complaint count for Pine River State Bank?
We do not publish a figure for Pine River State 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 Pine River State Bank charge-off fall off my report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Pine River State Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with Pine River State Bank directly or with the collection agency?
Go to whoever holds the documents. Pine River State Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Pine River State Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Will a Pine River State Bank account show on all three reports?
There is no legal requirement to furnish to every bureau, and Pine River State Bank, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Pine River State Bank.
Why does one Pine River State Bank account appear twice on my report?
That pattern is typically a merger or conversion leftover rather than two real debts. Pine River State Bank dates to 1918 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 Pine River State Bank tradeline?
No payment is required. Writing to the bureaus under §611 or to Pine River State 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.
Which state regulator shares oversight of Pine River State Bank?
The home office is in Pine River, Minnesota, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 Pine River 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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