Bank of Sun Prairie on Your Credit Report
In short: Bank of Sun Prairie is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Sun Prairie, Wisconsin. FDIC records place the charter's origin at August 8, 1903 and assign it certificate 13565. The 06/30/2026 call report lists $841 million in assets across 8 FDIC-reported offices. Because Bank of Sun Prairie originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 Bank of Sun Prairie actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Sun Prairie is recorded by the FDIC under certificate 13565 as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, with 8 offices in Wisconsin and $841 million in assets at the 06/30/2026 call report.
How Bank of Sun Prairie appears on your credit report
Bank of Sun Prairie furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Wisconsin charter and 8 FDIC-reported offices, Bank of Sun Prairie adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Bank of Sun Prairie checking accounts
- ◆Installment loans originated across the 8 Wisconsin offices of Bank of Sun Prairie
- ◆Construction and lot loans underwritten locally by Bank of Sun Prairie in Sun Prairie
Grounds to dispute a Bank of Sun Prairie entry
Each of these is a reason a Bank of Sun Prairie tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with Bank of Sun Prairie failed and the missed cycle reported before notice reached you
- ◆Paid-in-full Bank of Sun Prairie loan still showing a balance after the payoff cleared
- ◆Bank of Sun Prairie tradeline reporting a credit limit that was never approved in writing
- ◆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
Bank of Sun Prairie 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, Bank of Sun Prairie 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 Bank of Sun Prairie a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bank of Sun Prairie questions, answered
Does the FDIC insure deposits at Bank of Sun Prairie?
It is insured, and certificate 13565 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 Sun Prairie, WI, chartered August 8, 1903, reporting $841 million and 8 offices as of 06/30/2026.
Who supervises Bank of Sun Prairie if a dispute goes nowhere?
Bank of Sun Prairie answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Bank of Sun Prairie head office in Sun Prairie is the right address for the written record.
How many credit-card complaints does the CFPB show against Bank of Sun Prairie?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Bank of Sun Prairie 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 a Bank of Sun Prairie charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Bank of Sun Prairie account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Bank of Sun Prairie and disputing with a collector?
Go to whoever holds the documents. Bank of Sun Prairie has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Bank of Sun Prairie tends to produce a substantive answer rather than a rubber-stamp verification.
Does Bank of Sun Prairie report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Bank of Sun Prairie — 8 offices in Wisconsin — 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 Bank of Sun Prairie tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Bank of Sun Prairie has operated since 1903, 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 a Bank of Sun Prairie account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Bank of Sun Prairie 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 Bank of Sun Prairie headquartered, and does that affect my dispute?
Bank of Sun Prairie is headquartered in Sun Prairie, Wisconsin, 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 Bank of Sun Prairie; 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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