United Bank of Michigan on Your Credit Report
In short: Headquartered in Grand Rapids, MI, United Bank of Michigan has operated under FDIC certificate 11807 since its charter was established in 1903. Its 06/30/2026 call report shows $1.06 billion in total assets and 13 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. When United Bank of Michigan reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a 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 United Bank of Michigan actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
United Bank of Michigan appears in the FDIC's active-institution file as certificate 11807, established January 1, 1903. As of the 06/30/2026 call report it carried $1.06 billion in total assets and 13 FDIC-reported offices, an average of about $82 million per office.
How United Bank of Michigan appears on your credit report
United Bank of Michigan furnishes its own tradelines rather than selling them to a servicer, and at $1.06 billion over 13 FDIC-reported offices it does so from a single MI operation. A 123-year-old charter of this size often carries accounts through legacy core systems, which is exactly where date and status fields get mangled — so ask in writing what the furnished date of first delinquency is and compare it against your own records.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
Grounds to dispute a United Bank of Michigan entry
Each of these is a reason a United Bank of Michigan tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Automatic-payment enrolment that lapsed at United Bank of Michigan without notice, producing a late mark
- ◆Account transferred between United Bank of Michigan systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into United Bank of Michigan
- ◆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
United Bank of Michigan 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, United Bank of Michigan 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 United Bank of Michigan a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
United Bank of Michigan questions, answered
Is United Bank of Michigan FDIC-insured, and what is its certificate number?
Yes. United Bank of Michigan holds FDIC certificate 11807. The FDIC record shows a charter established January 1, 1903, headquarters in Grand Rapids, MI, and 13 FDIC-reported offices with $1.06 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates United Bank of Michigan, and where do I escalate if a dispute fails?
United Bank of Michigan is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the MI state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the United Bank of Michigan charter, and why does that matter for my credit report?
United Bank of Michigan's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1903 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask United Bank of Michigan in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is United Bank of Michigan, and what does that mean for disputing an account?
United Bank of Michigan reports $1.06 billion across 13 FDIC-reported offices — roughly $82 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a United Bank of Michigan account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with United Bank of Michigan as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what United Bank of Michigan can verify, and results vary from case to case.
Does MI law change anything about a United Bank of Michigan account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. United Bank of Michigan being headquartered in Grand Rapids, MI does not make MI law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a United Bank of Michigan account stay on my credit report?
Generally up to seven years from the date of first delinquency on that United Bank of Michigan account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If United Bank of Michigan or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does United Bank of Michigan appear in the CFPB complaint database?
We do not publish a complaint figure for United Bank of Michigan. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 11807, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with United Bank of Michigan and disputing with a collection agency?
United Bank of Michigan furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against United Bank of Michigan, while the FCRA §623 accuracy duty applies to United Bank of Michigan directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 United Bank of Michigan; 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.