Profile Bank on Your Credit Report
In short: Profile Bank is a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Rochester, New Hampshire. Certificate 28155 puts the charter date at January 1, 1907, placing Profile Bank in the early-twentieth-century cohort of surviving charters. The 06/30/2026 call report shows $317 million in total assets spread across 5 FDIC-reported offices. Since the loans are originated and held by Profile Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Profile Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Profile Bank reported $317 million in total assets and 5 FDIC-reported offices on its 06/30/2026 call report, operating from Rochester, New Hampshire under certificate 28155 since January 1, 1907.
How Profile Bank appears on your credit report
Treat Profile Bank as the original creditor here — the dispute mechanics differ from a collector's. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer loans written and serviced in-house
- ◆Residential mortgage and home-equity lending in New Hampshire
- ◆Consumer accounts originated across its 5 New Hampshire offices
Grounds to dispute a Profile Bank entry
Each of these is a reason a Profile Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan paid off at closing but still showing a balance with Profile Bank
- ◆Balance not zeroed after Profile Bank accepted a settlement
- ◆Duplicate tradeline created when Profile Bank converted its loan platform
- ◆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
Profile 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, Profile 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 Profile Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Profile Bank questions, answered
Is Profile Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 28155. That record lists Profile Bank as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Rochester, NH, chartered January 1, 1907, with $317 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Profile Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, Profile Bank answers primarily to the Federal Reserve and its state banking regulator, with FDIC deposit insurance. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Profile Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Profile 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 Profile Bank charge-off stay on my credit report?
About seven years from the original date of first delinquency on the Profile Bank loan. Neither a charge-off entry nor a later sale to a collector resets it. If the Profile Bank tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with Profile Bank and disputing with a collector?
The records sit in different places. Profile Bank originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with Profile Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Profile 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 Profile Bank, a varying balance usually means different refresh dates; a varying account status or date of first delinquency is the real signal.
Profile Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Profile Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute Profile Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the §611 and §623 routes directly; hiring help is optional, never required. Send Profile Bank a letter naming the one field at issue, send the bureaus the same, and retain proof of mailing. What happens next depends on the records, and results vary.
What should I check first on Profile Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the Profile Bank entry field by field. One documented error beats a broad removal request every time.
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 Profile 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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