First State Bank of Forrest on Your Credit Report
In short: Headquartered in Forrest, Illinois, First State Bank of Forrest is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 11669 dates to January 1, 1914 — a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $328 million in total assets and 6 FDIC-reported offices. As the originating lender, First State Bank of Forrest 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 First State Bank of Forrest actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of Forrest carries FDIC certificate 11669, operates 6 FDIC-reported offices and reported $328 million in assets on its most recent call report in Forrest, Illinois.
How First State Bank of Forrest appears on your credit report
This tradeline is furnished by First State Bank of Forrest itself, not purchased from another lender, which means the source documents are held in-house. With an Illinois charter and 6 FDIC-reported offices, First State Bank of Forrest adjudicates these disputes internally. 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 Forrest
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute a First State Bank of Forrest entry
Each of these is a reason a First State Bank of Forrest 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 Forrest teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after First State Bank of Forrest processed the final payment
- ◆Single First State Bank of Forrest 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
First State Bank of Forrest 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, First State Bank of Forrest 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 First State Bank of Forrest a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of Forrest questions, answered
Does the FDIC insure deposits at First State Bank of Forrest?
It is insured, and certificate 11669 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Forrest, IL, chartered January 1, 1914, reporting $328 million and 6 offices as of 06/30/2026.
Which regulator oversees First State Bank of Forrest?
First State Bank of Forrest 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 First State Bank of Forrest head office in Forrest is the right address for the written record.
What is the CFPB complaint count for First State Bank of Forrest?
We do not publish a figure for First State Bank of Forrest. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
What is the reporting limit on a First State Bank of Forrest account?
The seven-year window runs from first delinquency on the underlying First State Bank of Forrest account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with First State Bank of Forrest and disputing with a collector?
Go to whoever holds the documents. First State Bank of Forrest has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First State Bank of Forrest tends to produce a substantive answer rather than a rubber-stamp verification.
Will a First State Bank of Forrest account show on all three reports?
Furnishing is voluntary under the FCRA, so First State Bank of Forrest — 6 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.
I see duplicate First State Bank of Forrest tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. First State Bank of Forrest dates to 1914 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.
Is there a free way to dispute the First State Bank of Forrest tradeline?
No payment is required. Writing to the bureaus under §611 or to First State Bank of Forrest 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.
Which state regulator shares oversight of First State Bank of Forrest?
First State Bank of Forrest is headquartered in Forrest, Illinois, with 6 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 First State Bank of Forrest; 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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