Shell Lake State Bank on Your Credit Report
In short: Shell Lake State Bank operates out of Shell Lake, Wisconsin as 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 14911 dates to November 16, 1916 — a charter older than the FDIC itself. The 06/30/2026 call report puts Shell Lake State Bank at $362 million in assets across 5 FDIC-reported offices. Shell Lake 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 Shell Lake State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Shell Lake State Bank carries FDIC certificate 14911, operates 5 FDIC-reported offices and reported $362 million in assets on its most recent call report in Shell Lake, Wisconsin.
How Shell Lake State Bank appears on your credit report
Because Shell Lake State Bank originated the account, it furnishes the tradeline directly and holds the original file. Shell Lake State Bank is Wisconsin-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 Wisconsin locations
- ◆Purchase-money mortgages and home-equity draws written in the Shell Lake area
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute a Shell Lake State Bank entry
Each of these is a reason a Shell Lake 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 Shell Lake teller window credited a day late and reported as delinquent
- ◆Paid-in-full Shell Lake State Bank loan continuing to report an outstanding balance
- ◆Duplicate Shell Lake State Bank tradeline created when the loan was renumbered internally
- ◆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
Shell Lake 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, Shell Lake 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 Shell Lake 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.
Shell Lake State Bank questions, answered
What is the FDIC certificate number for Shell Lake State Bank?
Certificate 14911 is the FDIC record for Shell Lake State Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Shell Lake, WI, with a charter dating to November 16, 1916; the 06/30/2026 call report shows $362 million in assets and 5 offices.
My dispute with Shell Lake State Bank failed — who do I complain to?
Shell Lake 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 Shell Lake State Bank head office in Shell Lake is the right address for the written record.
How many credit-card complaints does the CFPB show against Shell Lake State Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Shell Lake State Bank, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
How long can a Shell Lake State Bank charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Shell Lake State Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with Shell Lake State Bank and disputing with a collector?
The distinction matters because of who holds the evidence. Shell Lake State Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Shell Lake State Bank reaches the records themselves.
Does Shell Lake State Bank furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Shell Lake State Bank, with 5 offices around Shell Lake, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one Shell Lake State Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Shell Lake State Bank has operated since 1916, 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 Shell Lake State Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Shell Lake State Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Shell Lake State Bank headquartered, and does that affect my dispute?
Shell Lake State Bank is headquartered in Shell Lake, Wisconsin, 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 Shell Lake 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.