Marion Community Bank on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Marion, Alabama, Marion Community Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 14184. The charter dates to March 17, 1934 and the most recent call report, dated 06/30/2026, shows $364 million in total assets. As an original creditor, Marion Community Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Marion Community Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Marion Community Bank carries FDIC certificate 14184, operates 8 FDIC-reported offices and reported $364 million in assets on its most recent call report in Marion, Alabama.
How Marion Community Bank appears on your credit report
Because Marion Community Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Marion Community Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Alabama, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Marion Community Bank branch staff in Alabama
- ◆First-lien residential mortgages and refinances written around Marion
- ◆Small-business and agricultural credit carried on the Marion Community Bank balance sheet
Grounds to dispute a Marion Community Bank entry
Each of these is a reason a Marion Community 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 a Marion office credited to the wrong Marion Community Bank account number
- ◆Account still reporting open after Marion Community Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Marion Community Bank pull
- ◆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
Marion Community 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, Marion Community 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 Marion Community Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Marion Community Bank questions, answered
Does the FDIC insure deposits at Marion Community Bank?
Yes — Marion Community Bank appears in FDIC BankFind under certificate 14184. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Marion, AL, with a charter dated March 17, 1934, $364 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees Marion Community Bank?
Marion Community 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 Marion Community Bank head office in Marion is the right address for the written record.
How many credit-card complaints does the CFPB show against Marion Community Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Marion Community Bank 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 Marion Community Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Marion Community Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Marion Community Bank and disputing with a collector?
Go to whoever holds the documents. Marion Community Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Marion Community Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Marion Community Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Marion Community Bank — 8 offices in Alabama — 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 Marion Community Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Marion Community Bank has operated since 1934, 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 Marion Community Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Marion Community 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.
Where is Marion Community Bank headquartered, and does that affect my dispute?
Marion Community Bank is headquartered in Marion, Alabama, with 8 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 Marion Community 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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