Credit Report Dispute Process

As a participant in the consumer reporting system, Community Bank furnishes information about our experience with you to consumer reporting agencies. These consumer reports allow us to make credit and other opportunities available to you. Community Bank strives to ensure the accuracy of all information reported in connection with your accounts with us. However, if you believe that we have furnished information to a consumer reporting agency that is inaccurate, you may notify us at the following address and identify the specific information that is in question.

Community Bank
Attn: Loan Administration
P.O. Box 489
Burleson, Texas 76028

In order to investigate your dispute as expeditiously as possible, please include the following:

  • Sufficient information to identify the account or relationship that is in dispute, such as an  account number and your name, address, and telephone number;
  • The specific information that you are disputing and an explanation of the basis for the dispute; and
  • Additional supporting documentation that could assist the Bank in its investigation of your dispute, such as:
    • A copy of the relevant portion of the consumer report that contains the allegedly inaccurate information;
    • A police report;
    • A fraud or identity theft affidavit;
    • A court order; or
    • Account statements.

Upon receipt of your dispute, Community Bank will conduct a reasonable investigation with respect to the disputed information and review all relevant information provided. The Bank will complete our investigation and report the results to you within 30 days. (The 30-day period may be extended an additional 15 days if Community Bank receives additional information during the 30-day period that is relevant to the investigation.)

If our investigation finds that information previously reported by Community Bank was inaccurate, we will promptly notify each consumer reporting agency to which the Bank provided such erroneous information and provide them with the corrections necessary to ensure that the information reported by the Bank is accurate.