United Valley Bank on Your Credit Report
In short: United Valley Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Cavalier, North Dakota. The FDIC lists it under certificate 15478, established August 25, 1905 — a charter granted in the era that produced federal deposit insurance, so its reporting history spans the entire modern credit-file system. Its 06/30/2026 call report shows $752 million in total assets across 9 reported offices. Because United Valley Bank lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 Valley Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
United Valley Bank holds FDIC certificate 15478, chartered August 25, 1905 in Cavalier, North Dakota (121 years old), and reported $752 million in total assets across 9 offices on the 06/30/2026 call report.
How United Valley Bank appears on your credit report
Disputes against United Valley Bank follow a different path than those against a big card bank. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Reference the last four digits and open date, point to a single incorrect field rather than the whole tradeline, and send a parallel dispute to the bureaus under §611. Results depend on what the bank can document, and differ from one file to the next.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and signature loans originated in-branch
- ◆Home-equity and mortgage lending secured by North Dakota property
- ◆Consumer accounts originated across its 9 North Dakota offices
Grounds to dispute a United Valley Bank entry
Each of these is a reason a United Valley Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆North Dakota mortgage paid at closing but still showing a balance with United Valley Bank
- ◆Charge-off reported by United Valley Bank after the account was settled in full
- ◆State-chartered account duplicated after a 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
United Valley 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, United Valley 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 United Valley Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
United Valley Bank questions, answered
Is United Valley Bank FDIC-insured, and what is its certificate number?
Yes. United Valley Bank holds FDIC certificate 15478. The FDIC record shows a charter established August 25, 1905, headquarters in Cavalier, ND, and 9 FDIC-reported offices with $752 million 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 Valley Bank, and where do I escalate if a dispute fails?
United Valley Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against United Valley Bank?
We do not publish a figure for United Valley Bank. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to United Valley Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a United Valley Bank charge-off stay on my credit report?
A charged-off United Valley Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date United Valley Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with United Valley Bank and disputing with a collector?
United Valley Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to United Valley Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does United Valley Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on United Valley Bank's own arrangements. A lender with 9 offices and $752 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a United Valley Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
United Valley Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted United Valley Bank account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. For a charter of this era, a mid-century conversion is the usual cause. Identify both versions by last four digits and open date when you dispute.
Can I dispute United Valley Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send United Valley Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on United Valley Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On a charter of this vintage, decades-old conversions are the common source of stale status codes. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Valley 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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