Eagle Valley Bank on Your Credit Report
In short: Eagle Valley Bank operates out of Griggsville, Illinois as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Certificate 10883 was issued against a charter dating to August 3, 1893, a nineteenth-century charter that predates every federal credit-reporting statute. As of the 06/30/2026 call report, Eagle Valley Bank held $230 million in assets and operated 5 FDIC-reported offices. Eagle Valley Bank 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 Eagle Valley Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Eagle Valley Bank carries FDIC certificate 10883, operates 5 FDIC-reported offices and reported $230 million in assets on its most recent call report in Griggsville, Illinois.
How Eagle Valley Bank appears on your credit report
Because Eagle Valley Bank originated the account, it furnishes the tradeline directly and holds the original file. With an Illinois charter and 5 FDIC-reported offices, Eagle Valley Bank 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
- ◆Consumer installment and personal lending across its 5 Illinois offices
- ◆Home-equity lines and residential mortgages originated near Griggsville
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute an Eagle Valley Bank entry
Each of these is a reason an Eagle Valley Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Griggsville office on time but posted to the next cycle
- ◆Account still showing a balance after Eagle Valley Bank processed the final payment
- ◆Duplicate Eagle Valley Bank tradeline created when the loan was renumbered internally
- ◆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
Eagle Valley 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, Eagle Valley 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 Eagle Valley Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Eagle Valley Bank questions, answered
What is the FDIC certificate number for Eagle Valley Bank?
Certificate 10883 is the FDIC record for Eagle Valley Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Griggsville, IL, with a charter dating to August 3, 1893; the 06/30/2026 call report shows $230 million in assets and 5 offices.
Which regulator oversees Eagle Valley Bank?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Eagle Valley Bank tells you.
How many credit-card complaints does the CFPB show against Eagle Valley Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Eagle Valley 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.
How long can an Eagle Valley Bank charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Eagle Valley Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to Eagle Valley Bank or to the collector?
The distinction matters because of who holds the evidence. Eagle Valley Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Eagle Valley Bank reaches the records themselves.
Does Eagle Valley Bank furnish to Equifax, Experian and TransUnion?
Furnishing is voluntary under the FCRA, so Eagle Valley Bank — 5 offices in Illinois — 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.
Why does one Eagle Valley Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Eagle Valley Bank has operated since 1893, 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 an Eagle Valley Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Eagle Valley 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.
Where is Eagle Valley Bank headquartered, and does that affect my dispute?
Eagle Valley Bank is based in Griggsville, Illinois and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Eagle Valley 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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