Apple River State Bank on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Apple River, Illinois, Apple River State Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 17453. The charter dates to January 5, 1948 and the most recent call report, dated 06/30/2026, shows $675 million in total assets. As an original creditor, Apple River State Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Apple River State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Apple River State Bank appears in FDIC BankFind as certificate 17453, headquartered Apple River, Illinois, chartered January 5, 1948, with 8 FDIC-reported offices and $675 million in assets.
How Apple River State Bank appears on your credit report
Because Apple River State Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Apple River State Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Illinois, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 8 Illinois banking offices of Apple River State Bank
- ◆Home-equity lines and residential mortgages originated near Apple River
- ◆Vehicle and equipment paper financed directly through Apple River State Bank
Grounds to dispute an Apple River State Bank entry
Each of these is a reason an Apple River State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at an Apple River office credited to the wrong Apple River State Bank account number
- ◆Account still reporting open after Apple River State Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Apple River State Bank pull
- ◆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
Apple River 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, Apple River 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 Apple River 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.
Apple River State Bank questions, answered
Is Apple River State Bank FDIC-insured, and under what certificate?
It is insured, and certificate 17453 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Apple River, IL, chartered January 5, 1948, reporting $675 million and 8 offices as of 06/30/2026.
Who supervises Apple River State Bank if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Apple River State Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Apple River State Bank head office in Apple River, Illinois.
How many credit-card complaints does the CFPB show against Apple River State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Apple River State 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 an Apple River State Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Apple River State Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Apple River State Bank and disputing with a collector?
The records live in different places. As the original creditor, Apple River State Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Apple River State Bank therefore lands where the evidence actually is.
Does Apple River State Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Apple River State Bank — 8 offices in Illinois — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Apple River State Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Apple River State Bank has operated since 1948, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute an Apple River State Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Apple River State Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Apple River State Bank headquartered, and does that affect my dispute?
Apple River State Bank is headquartered in Apple River, Illinois, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Apple River 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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