Farmers State Bank of Western Illinois on Your Credit Report
In short: Headquartered in Alpha, Illinois, Farmers State Bank of Western Illinois is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. FDIC certificate 11680 traces to December 1, 1910, a charter older than the FDIC itself. The 06/30/2026 call report puts Farmers State Bank of Western Illinois at $167 million in assets across 6 FDIC-reported offices. Farmers State Bank of Western Illinois 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 Western Illinois actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Farmers State Bank of Western Illinois carries FDIC certificate 11680, operates 6 FDIC-reported offices and reported $167 million in assets on its most recent call report in Alpha, Illinois.
How Farmers State Bank of Western Illinois appears on your credit report
Farmers State Bank of Western Illinois furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Farmers State Bank of Western Illinois is Illinois-chartered with 6 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
- ◆Personal and installment credit booked through its 6 Illinois locations
- ◆Home-equity lines and residential mortgages originated near Alpha
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a Farmers State Bank of Western Illinois entry
Each of these is a reason a Farmers State Bank of Western Illinois tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at an Alpha teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after Farmers State Bank of Western Illinois processed the final payment
- ◆Duplicate Farmers State Bank of Western Illinois 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
Farmers State Bank of Western Illinois 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 Western Illinois 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 Western Illinois 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 Western Illinois questions, answered
Does the FDIC insure deposits at Farmers State Bank of Western Illinois?
Certificate 11680 is the FDIC record for Farmers State Bank of Western Illinois. It describes a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator based in Alpha, IL, with a charter dating to December 1, 1910; the 06/30/2026 call report shows $167 million in assets and 6 offices.
My dispute with Farmers State Bank of Western Illinois 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 Farmers State Bank of Western Illinois.
How many credit-card complaints does the CFPB show against Farmers State Bank of Western Illinois?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Farmers State Bank of Western Illinois 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 State Bank of Western Illinois 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 Farmers State Bank of Western Illinois tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with Farmers State Bank of Western Illinois directly or with the collection agency?
Go to whoever holds the documents. Farmers State Bank of Western Illinois 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 Western Illinois tends to produce a substantive answer rather than a rubber-stamp verification.
Does Farmers State Bank of Western Illinois report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Farmers State Bank of Western Illinois, with 6 offices around Alpha, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one Farmers State Bank of Western Illinois account appear twice on my report?
One account showing twice is a classic conversion artifact. Farmers State Bank of Western Illinois 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 Western Illinois account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Farmers State Bank of Western Illinois 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 Western Illinois headquartered, and does that affect my dispute?
The home office is in Alpha, Illinois, across 6 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 Farmers State Bank of Western Illinois; 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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