Copiah Bank on Your Credit Report
In short: Copiah Bank is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Hazlehurst, Mississippi. FDIC certificate 8231 records the charter as established October 26, 1891. The nineteenth-century charter date matters here only because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Its 06/30/2026 call report shows $332 million in total assets across 9 reported offices. Since the loans are originated and held by Copiah Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Copiah Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Copiah Bank holds FDIC certificate 8231, chartered October 26, 1891 in Hazlehurst, Mississippi (135 years old), and reported $332 million in total assets across 9 offices on the 06/30/2026 call report.
How Copiah Bank appears on your credit report
Treat Copiah Bank as an original creditor rather than a collection agency — the dispute route is different. At $332 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Mississippi offices
- ◆First-lien mortgages and home-equity lines on Mississippi property
- ◆Small-business and consumer accounts carried on the Copiah Bank balance sheet
Grounds to dispute a Copiah Bank entry
Each of these is a reason a Copiah Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mississippi home-equity line closed at refinance yet still reporting open with Copiah Bank
- ◆Paid-in-full installment loan still showing a Copiah Bank charge-off status
- ◆Duplicate Copiah Bank tradeline created when the account migrated between core systems
- ◆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
Copiah 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, Copiah 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 Copiah Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Copiah Bank questions, answered
Is Copiah Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 8231. That record lists Copiah Bank as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Hazlehurst, MS, chartered October 26, 1891, with $332 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Copiah Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, Copiah Bank answers primarily to the Federal Reserve and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Copiah Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Copiah 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 a Copiah Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Copiah Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Copiah Bank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Copiah Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Copiah Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Copiah Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Copiah Bank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Copiah Bank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Copiah Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, a Copiah Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Copiah Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Copiah Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Copiah Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, pull your own statements and check the Copiah Bank entry field by field. One documented error beats a broad removal request every time.
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 Copiah 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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