Marion County State Bank on Your Credit Report
In short: Marion County 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 headquartered in Pella, Iowa. The charter behind FDIC certificate 15272 dates to September 21, 1935 — a twentieth-century charter that predates every federal credit-reporting statute now governing it. As of the 06/30/2026 call report, Marion County State Bank held $629 million in assets and operated 5 FDIC-reported offices. Marion County State Bank 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 Marion County State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Marion County State Bank appears in the FDIC's ACTIVE institution list under certificate 15272, with 5 FDIC-reported offices and $629 million in total assets in Pella, Iowa.
How Marion County State Bank appears on your credit report
Treat Marion County State Bank as the furnisher of record. An original creditor retains the application, the statements and the posting history; an assignee generally does not. Chartered in Iowa and operating 5 FDIC-reported offices, Marion County State Bank handles disputes against its own records. Send it in writing, be specific about which field is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 5 Iowa offices
- ◆Residential mortgage and home-equity lending in and around Pella
- ◆Small-business and commercial credit backed by a personal pledge
Grounds to dispute a Marion County State Bank entry
Each of these is a reason a Marion County 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 a Pella teller window credited a day late and reported as delinquent
- ◆Balance not updated to zero after Marion County State Bank completed the payoff
- ◆Two tradelines for one Marion County State Bank account after a core-system change
- ◆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 County 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, Marion County 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 Marion County 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.
Marion County State Bank questions, answered
Is Marion County State Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 15272. That record lists Marion County State Bank as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Pella, IA, chartered September 21, 1935, with $629 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Marion County State Bank, and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, Marion County State Bank answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Marion County State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Marion County State 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 County 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 Marion County State Bank account. The clock runs from the original delinquency — a charge-off or sale does not restart it. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with Marion County State Bank and disputing with a collector?
Marion County State Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with Marion County State Bank under §623 puts the question to the party that can actually check it against source documents.
Does Marion County State Bank report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 5 offices often does not. Pull all three files and compare them. With Marion County State Bank, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
Marion County State Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Marion County State Bank has operated since 1935, and a charter of that age 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 explicitly.
Can I dispute a Marion County State Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Marion County State Bank are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Marion County State Bank headquartered, and does that affect my dispute?
Marion County State Bank is headquartered in Pella, Iowa, with 5 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 County 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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