Waukesha State Bank on Your Credit Report
In short: Waukesha State Bank traces its charter to 1944 and appears in the FDIC's records under certificate 16160, a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator with its headquarters in Waukesha, WI. The most recent call report, dated 06/30/2026, puts it at $1.6 billion in total assets across 15 FDIC-reported offices. Where Waukesha State Bank reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. 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 Waukesha State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Waukesha State Bank operates under FDIC certificate 16160 on a charter established June 15, 1944 — 82 years of continuous operation — and reports $1.6 billion in total assets across 15 FDIC-reported offices as of its 06/30/2026 call report, an average of about $108 million per reported office.
How Waukesha State Bank appears on your credit report
Waukesha State Bank runs 15 FDIC-reported offices against $1.6 billion in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Auto and other secured consumer loans booked at Waukesha State Bank offices
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a Waukesha State Bank entry
Each of these is a reason a Waukesha State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆Loan modified or deferred by Waukesha State Bank but still reporting the original delinquent status
- ◆Escrow shortage treated as a missed payment on a Waukesha State Bank-serviced mortgage
- ◆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
Waukesha 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, Waukesha 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 Waukesha 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.
Waukesha State Bank questions, answered
Is Waukesha State Bank FDIC-insured, and what is its certificate number?
Yes. Waukesha State Bank holds FDIC certificate 16160. The FDIC record shows a charter established June 15, 1944, headquarters in Waukesha, WI, and 15 FDIC-reported offices with $1.6 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 Waukesha State Bank, and where do I escalate if a dispute fails?
Waukesha State Bank is a state-chartered bank that is not a member of the Federal Reserve System, so the FDIC is its primary federal regulator, working alongside the WI state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the WI 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 Waukesha State Bank charter, and why does that matter for my credit report?
Waukesha State Bank has held its charter since 1944. Banks chartered in this period generally converted to modern core-processing systems at some point, and system conversions are a recognised source of credit-reporting errors — duplicated tradelines, reset open dates, and payment histories that appear to restart. If your Waukesha State Bank account shows a sudden discontinuity, ask specifically whether it was migrated between systems.
How big is Waukesha State Bank, and what does that mean for disputing an account?
Waukesha State Bank reports $1.6 billion across 15 FDIC-reported offices — roughly $108 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute a Waukesha State Bank 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 Waukesha State Bank 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 Waukesha State Bank can verify, and results vary from case to case.
Does WI law change anything about a Waukesha State Bank 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. Waukesha State Bank being headquartered in Waukesha, WI does not make WI 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 Waukesha State Bank account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Waukesha State Bank 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 Waukesha State Bank 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 Waukesha State Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Waukesha State Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 16160, 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 Waukesha State Bank and disputing with a collection agency?
Waukesha State Bank is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Waukesha State Bank; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Waukesha 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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