Dairy State Bank on Your Credit Report
In short: Headquartered in Rice Lake, WI, Dairy State Bank has operated since 1953 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 17162 with $730 million in total assets spread across 12 reported offices as of 06/30/2026. Because Dairy State Bank lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 Dairy State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Dairy State Bank appears in the FDIC's institution directory under certificate 17162, chartered January 2, 1953 in WI and reporting 12 FDIC-reported offices with $730 million in total assets on the 06/30/2026 call report.
How Dairy State Bank appears on your credit report
As an original creditor chartered in 1953, Dairy State Bank furnishes directly and holds the source documents for every account it reports. With only 12 offices and $730 million in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. Identify the account by its exact last four digits and open date, and state plainly which field is wrong rather than disputing the account as a whole.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Deposit-secured personal lines of credit
Grounds to dispute a Dairy State Bank entry
Each of these is a reason a Dairy State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Joint account reporting solely against a non-borrowing spouse
- ◆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
Dairy 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, Dairy 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 Dairy 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.
Dairy State Bank questions, answered
Is Dairy State Bank FDIC-insured, and what is its certificate number?
Yes. Dairy State Bank holds FDIC certificate 17162. The FDIC record shows a charter established January 2, 1953, headquarters in Rice Lake, WI, and 12 FDIC-reported offices with $730 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Dairy State Bank, and where do I escalate if a dispute fails?
Dairy State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Dairy State Bank?
None that can be attributed with confidence. Dairy State Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 12-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Dairy State Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Dairy State Bank charge-off stay on my credit report?
A charged-off Dairy State Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Dairy State Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Dairy State Bank and disputing with a collector?
Dairy State Bank holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to Dairy State Bank is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does Dairy State Bank report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of Dairy State Bank — 12 offices, $730 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Dairy State Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Dairy State Bank was acquired or changed names — why does my report show two accounts?
Name changes and acquisitions routinely produce this. A converted Dairy State Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1953, core-system conversions are the usual cause.
Can I dispute Dairy State Bank reporting myself, without paying anyone?
Yes, and at no cost. You can write Dairy State Bank directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Rice Lake bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on Dairy State Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 73-year-old lender like Dairy State Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Dairy 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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