Farmers State Bank of Alto Pass, Ill. on Your Credit Report
In short: Headquartered in Alto Pass, Illinois, Farmers State Bank of Alto Pass, Ill. is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Certificate 11299 was issued against a charter dating to January 1, 1910, a charter older than the FDIC itself. Call-report figures for 06/30/2026 list $342 million in assets spread over 5 FDIC-reported offices. Farmers State Bank of Alto Pass, Ill. 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 Farmers State Bank of Alto Pass, Ill. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Farmers State Bank of Alto Pass, Ill. carries FDIC certificate 11299, operates 5 FDIC-reported offices and reported $342 million in assets on its most recent call report in Alto Pass, Illinois.
How Farmers State Bank of Alto Pass, Ill. appears on your credit report
Because Farmers State Bank of Alto Pass, Ill. originated the account, it furnishes the tradeline directly and holds the original file. Farmers State Bank of Alto Pass, Ill. is Illinois-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. 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
- ◆Residential mortgage and home-equity lending in and around Alto Pass
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a Farmers State Bank of Alto Pass, Ill. entry
Each of these is a reason a Farmers State Bank of Alto Pass, Ill. 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 Alto Pass office on time but posted to the next cycle
- ◆Balance not updated to zero after Farmers State Bank of Alto Pass, Ill. completed the payoff
- ◆One Farmers State Bank of Alto Pass, Ill. obligation appearing as two tradelines after a core-system conversion
- ◆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 State Bank of Alto Pass, Ill. 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 State Bank of Alto Pass, Ill. 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 State Bank of Alto Pass, Ill. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Farmers State Bank of Alto Pass, Ill. questions, answered
Does the FDIC insure deposits at Farmers State Bank of Alto Pass, Ill.?
Yes — deposits are FDIC-insured under certificate 11299. The FDIC record lists Farmers State Bank of Alto Pass, Ill. as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Alto Pass, IL, chartered January 1, 1910, holding $342 million across 5 offices at the 06/30/2026 call report.
My dispute with Farmers State Bank of Alto Pass, Ill. failed — who do I complain to?
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 Farmers State Bank of Alto Pass, Ill. tells you.
How many credit-card complaints does the CFPB show against Farmers State Bank of Alto Pass, Ill.?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Farmers State Bank of Alto Pass, Ill., 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 a Farmers State Bank of Alto Pass, Ill. charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Farmers State Bank of Alto Pass, Ill. 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.
Is it better to go to Farmers State Bank of Alto Pass, Ill. or to the collector?
Go to whoever holds the documents. Farmers State Bank of Alto Pass, Ill. has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Farmers State Bank of Alto Pass, Ill. tends to produce a substantive answer rather than a rubber-stamp verification.
Does Farmers State Bank of Alto Pass, Ill. furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Farmers State Bank of Alto Pass, Ill., with 5 offices around Alto Pass, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Farmers State Bank of Alto Pass, Ill. changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Farmers State Bank of Alto Pass, Ill. has operated since 1910, 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 State Bank of Alto Pass, Ill. account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Farmers State Bank of Alto Pass, Ill. 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 State Bank of Alto Pass, Ill. headquartered, and does that affect my dispute?
Farmers State Bank of Alto Pass, Ill. is based in Alto Pass, 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 Farmers State Bank of Alto Pass, Ill.; 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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