Farmers and Merchants Bank of South Carolina on Your Credit Report
In short: Farmers and Merchants Bank of South Carolina is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Holly Hill, South Carolina. FDIC records place the charter's origin at January 3, 1912 and assign it certificate 1660. The 06/30/2026 call report lists $414 million in assets across 8 FDIC-reported offices. Because Farmers and Merchants Bank of South Carolina originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 Farmers and Merchants Bank of South Carolina actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Farmers and Merchants Bank of South Carolina holds FDIC certificate 1660 from a charter dated January 3, 1912, running 8 FDIC-reported offices out of Holly Hill, South Carolina against $414 million in reported assets.
How Farmers and Merchants Bank of South Carolina appears on your credit report
Because Farmers and Merchants Bank of South Carolina originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Farmers and Merchants Bank of South Carolina therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in South Carolina, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Farmers and Merchants Bank of South Carolina in South Carolina
- ◆Home-improvement and second-lien lending booked near Holly Hill
- ◆Commercial and owner-occupied real-estate credit held by Farmers and Merchants Bank of South Carolina
Grounds to dispute a Farmers and Merchants Bank of South Carolina entry
Each of these is a reason a Farmers and Merchants Bank of South Carolina 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 Holly Hill office credited to the wrong Farmers and Merchants Bank of South Carolina account number
- ◆Account still reporting open after Farmers and Merchants Bank of South Carolina closed it at your request
- ◆First-delinquency date shifted forward on a later Farmers and Merchants Bank of South Carolina pull
- ◆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
Farmers and Merchants Bank of South Carolina 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, Farmers and Merchants Bank of South Carolina 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 Farmers and Merchants Bank of South Carolina a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Farmers and Merchants Bank of South Carolina questions, answered
Is Farmers and Merchants Bank of South Carolina FDIC-insured, and under what certificate?
Yes — Farmers and Merchants Bank of South Carolina appears in FDIC BankFind under certificate 1660. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Holly Hill, SC, with a charter dated January 3, 1912, $414 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises Farmers and Merchants Bank of South Carolina if a dispute goes nowhere?
Farmers and Merchants Bank of South Carolina 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 Farmers and Merchants Bank of South Carolina head office in Holly Hill is the right address for the written record.
How many credit-card complaints does the CFPB show against Farmers and Merchants Bank of South Carolina?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Farmers and Merchants Bank of South Carolina 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 Farmers and Merchants Bank of South Carolina charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Farmers and Merchants Bank of South Carolina last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Farmers and Merchants Bank of South Carolina and disputing with a collector?
The records live in different places. As the original creditor, Farmers and Merchants Bank of South Carolina holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Farmers and Merchants Bank of South Carolina therefore lands where the evidence actually is.
Does Farmers and Merchants Bank of South Carolina report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Farmers and Merchants Bank of South Carolina — 8 offices in South Carolina — 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.
I see duplicate Farmers and Merchants Bank of South Carolina tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Farmers and Merchants Bank of South Carolina has operated since 1912, 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 a Farmers and Merchants Bank of South Carolina account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Farmers and Merchants Bank of South Carolina 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 Farmers and Merchants Bank of South Carolina headquartered, and does that affect my dispute?
Farmers and Merchants Bank of South Carolina is headquartered in Holly Hill, South Carolina, with 8 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 Farmers and Merchants Bank of South Carolina; 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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