Iroquois Farmers State Bank on Your Credit Report
In short: Headquartered in Iroquois, Illinois, Iroquois Farmers State Bank 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 11746 dates to January 1, 1919 — a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $174 million in total assets and 6 FDIC-reported offices. As the originating lender, Iroquois Farmers State Bank 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 Iroquois Farmers State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Iroquois Farmers State Bank carries FDIC certificate 11746, operates 6 FDIC-reported offices and reported $174 million in assets on its most recent call report in Iroquois, Illinois.
How Iroquois Farmers State Bank appears on your credit report
This tradeline is furnished by Iroquois Farmers State Bank itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Illinois and operating 6 FDIC-reported offices, Iroquois Farmers State Bank handles disputes against its own records. 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
- ◆Deposit-secured and personal installment credit written at its 6 Illinois offices
- ◆Purchase-money mortgages and home-equity draws written in the Iroquois area
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute an Iroquois Farmers State Bank entry
Each of these is a reason an Iroquois Farmers State Bank 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 Iroquois teller window credited a day late and reported as delinquent
- ◆Balance not updated to zero after Iroquois Farmers State Bank completed the payoff
- ◆Single Iroquois Farmers State Bank 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
Iroquois Farmers 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, Iroquois Farmers 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 Iroquois Farmers 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.
Iroquois Farmers State Bank questions, answered
Does the FDIC insure deposits at Iroquois Farmers State Bank?
It is insured, and certificate 11746 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 Iroquois, IL, chartered January 1, 1919, reporting $174 million and 6 offices as of 06/30/2026.
Who regulates Iroquois Farmers State Bank, and where do I escalate if a dispute fails?
Iroquois Farmers State Bank 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 Iroquois Farmers State Bank head office in Iroquois is the right address for the written record.
What is the CFPB complaint count for Iroquois Farmers State Bank?
We do not publish a figure for Iroquois Farmers State Bank. 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.
How long can an Iroquois Farmers State Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Iroquois Farmers State Bank 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 Iroquois Farmers State Bank and disputing with a collector?
Go to whoever holds the documents. Iroquois Farmers State Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Iroquois Farmers State Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Will an Iroquois Farmers State Bank account show on all three reports?
There is no legal requirement to furnish to every bureau, and Iroquois Farmers State Bank, operating 6 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Iroquois Farmers State Bank.
I see duplicate Iroquois Farmers State Bank tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. Iroquois Farmers State Bank dates to 1919 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.
Can I dispute an Iroquois Farmers State Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Iroquois Farmers State Bank 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 Iroquois Farmers State Bank?
Iroquois Farmers State Bank is headquartered in Iroquois, 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 Iroquois Farmers 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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