Community State Bank of Rock Falls on Your Credit Report
In short: Headquartered in Rock Falls, Illinois, Community State Bank of Rock Falls is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 21988 dates to April 24, 1975 — a late-twentieth-century charter. As of the 06/30/2026 call report, Community State Bank of Rock Falls held $318 million in assets and operated 5 FDIC-reported offices. Community State Bank of Rock Falls is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Community State Bank of Rock Falls actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Community State Bank of Rock Falls carries FDIC certificate 21988, operates 5 FDIC-reported offices and reported $318 million in assets on its most recent call report in Rock Falls, Illinois.
How Community State Bank of Rock Falls appears on your credit report
This tradeline is furnished by Community State Bank of Rock Falls itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Illinois and operating 5 FDIC-reported offices, Community State Bank of Rock Falls handles disputes against its own records. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 5 Illinois offices
- ◆Home-equity lines and residential mortgages originated near Rock Falls
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a Community State Bank of Rock Falls entry
Each of these is a reason a Community State Bank of Rock Falls tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Rock Falls posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Community State Bank of Rock Falls completed the payoff
- ◆One Community State Bank of Rock Falls obligation appearing as two tradelines 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
Community State Bank of Rock Falls 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, Community State Bank of Rock Falls 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 Community State Bank of Rock Falls a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Community State Bank of Rock Falls questions, answered
Does the FDIC insure deposits at Community State Bank of Rock Falls?
Yes — deposits are FDIC-insured under certificate 21988. The FDIC record lists Community State Bank of Rock Falls as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Rock Falls, IL, chartered April 24, 1975, holding $318 million across 5 offices at the 06/30/2026 call report.
Who regulates Community State Bank of Rock Falls, and where do I escalate if a dispute fails?
Community State Bank of Rock Falls 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 Community State Bank of Rock Falls head office in Rock Falls is the right address for the written record.
How many credit-card complaints does the CFPB show against Community State Bank of Rock Falls?
We do not publish a figure for Community State Bank of Rock Falls. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
When does a Community State Bank of Rock Falls charge-off fall off my report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Community State Bank of Rock Falls account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Community State Bank of Rock Falls and disputing with a collector?
Go to whoever holds the documents. Community State Bank of Rock Falls has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Community State Bank of Rock Falls tends to produce a substantive answer rather than a rubber-stamp verification.
Will a Community State Bank of Rock Falls account show on all three reports?
There is no legal requirement to furnish to every bureau, and Community State Bank of Rock Falls, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Community State Bank of Rock Falls.
Community State Bank of Rock Falls changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Community State Bank of Rock Falls has operated since 1975, 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.
Is there a free way to dispute the Community State Bank of Rock Falls tradeline?
No payment is required. Writing to the bureaus under §611 or to Community State Bank of Rock Falls 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 Community State Bank of Rock Falls headquartered, and does that affect my dispute?
Community State Bank of Rock Falls is headquartered in Rock Falls, Illinois, with 5 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 Community State Bank of Rock Falls; 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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