Du Quoin State Bank on Your Credit Report
In short: Du Quoin State Bank operates out of Du Quoin, Illinois as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. FDIC certificate 10804 traces to April 17, 1915, a charter older than the FDIC itself. Call-report figures for 06/30/2026 list $148 million in assets spread over 5 FDIC-reported offices. As the originating lender, Du Quoin State Bank is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Du Quoin State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Du Quoin State Bank carries FDIC certificate 10804, operates 5 FDIC-reported offices and reported $148 million in assets on its most recent call report in Du Quoin, Illinois.
How Du Quoin State Bank appears on your credit report
Because Du Quoin State Bank originated the account, it furnishes the tradeline directly and holds the original file. Du Quoin State Bank is Illinois-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Illinois
- ◆First-lien residential mortgages and second-lien home-equity credit around Du Quoin
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute a Du Quoin State Bank entry
Each of these is a reason a Du Quoin 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 a Du Quoin teller window credited a day late and reported as delinquent
- ◆Paid-in-full Du Quoin State Bank loan continuing to report an outstanding balance
- ◆Single Du Quoin State Bank account reporting twice following a data migration
- ◆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
Du Quoin 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, Du Quoin 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 Du Quoin 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.
Du Quoin State Bank questions, answered
What is the FDIC certificate number for Du Quoin State Bank?
Yes — deposits are FDIC-insured under certificate 10804. The FDIC record lists Du Quoin State Bank as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Du Quoin, IL, chartered April 17, 1915, holding $148 million across 5 offices at the 06/30/2026 call report.
My dispute with Du Quoin State Bank failed — who do I complain to?
Oversight sits with the Federal Reserve and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Illinois you banked with Du Quoin State Bank.
What is the CFPB complaint count for Du Quoin State Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Du Quoin State Bank, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
When does a Du Quoin State Bank charge-off fall off my report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Du Quoin State Bank 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.
Should I dispute with Du Quoin State Bank directly or with the collection agency?
The distinction matters because of who holds the evidence. Du Quoin State Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Du Quoin State Bank reaches the records themselves.
Does Du Quoin State Bank furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Du Quoin State Bank, with 5 offices around Du Quoin, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Du Quoin State Bank changed names or was acquired — why does my report show two accounts?
That pattern is typically a merger or conversion leftover rather than two real debts. Du Quoin State Bank dates to 1915 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Do I need to hire someone to dispute a Du Quoin State Bank entry?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Du Quoin State Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Which state regulator shares oversight of Du Quoin State Bank?
The home office is in Du Quoin, Illinois, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the Federal Reserve and its state banking regulator if you need to escalate.
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 Du Quoin 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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