Hoosier Heartland State Bank on Your Credit Report
In short: Headquartered in Crawfordsville, Indiana, Hoosier Heartland State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System. FDIC records place the charter date at December 1, 1899 under certificate 15566; it is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. The 06/30/2026 call report shows $356 million in total assets across 7 FDIC-reported offices. Because Hoosier Heartland State Bank furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. 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 Hoosier Heartland State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Hoosier Heartland State Bank is recorded by the FDIC under certificate 15566 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established December 1, 1899 in Crawfordsville, Indiana, with $356 million in assets and 7 offices as of 06/30/2026.
How Hoosier Heartland State Bank appears on your credit report
Hoosier Heartland State Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what Hoosier Heartland State Bank can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
Grounds to dispute a Hoosier Heartland State Bank entry
Each of these is a reason a Hoosier Heartland State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Hoosier Heartland State Bank
- ◆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
Hoosier Heartland State 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, Hoosier Heartland State 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 Hoosier Heartland State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Hoosier Heartland State Bank questions, answered
Is Hoosier Heartland State Bank FDIC-insured, and what is its certificate number?
Yes. Hoosier Heartland State Bank carries FDIC certificate 15566. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Crawfordsville, IN, established December 1, 1899, reporting $356 million in total assets and 7 offices as of 06/30/2026.
Who regulates Hoosier Heartland State Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Hoosier Heartland State Bank answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against Hoosier Heartland State Bank?
None is listed. Hoosier Heartland State Bank did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a Hoosier Heartland State Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Hoosier Heartland State Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Hoosier Heartland State Bank and disputing with a collector?
Hoosier Heartland State Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Hoosier Heartland State Bank reaches the source documents instead.
Does Hoosier Heartland State Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With Hoosier Heartland State Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Hoosier Heartland State Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Hoosier Heartland State Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute Hoosier Heartland State Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Put the challenge to Hoosier Heartland State Bank in writing, name one field, mirror it to the bureaus, and keep copies. Results vary with what the documentation supports.
What should I check first on Hoosier Heartland State Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Match the Hoosier Heartland State Bank entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 Hoosier Heartland State 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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