South Louisiana Bank on Your Credit Report
In short: South Louisiana Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Houma, LA on a charter established in 1980. FDIC certificate 23144 records 10 FDIC-reported offices and $660 million in total assets on the 06/30/2026 call report. An account reported by South Louisiana Bank is furnished by the bank itself, so your FCRA §623 rights attach to South Louisiana Bank directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 South Louisiana Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
South Louisiana Bank is a 46-year-old LA institution chartered June 30, 1980, operating 10 FDIC-reported offices with $660 million in total assets as of the 06/30/2026 call report, under FDIC certificate 23144.
How South Louisiana Bank appears on your credit report
Scale matters when you dispute. South Louisiana Bank reports $660 million in assets and 10 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Houma. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Deposit-secured personal lines of credit
- ◆Co-signed family and student-support loans
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a South Louisiana Bank entry
Each of these is a reason a South Louisiana Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed South Louisiana Bank deposit-secured line still reporting as an open revolving account
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Mortgage paid at closing but still showing an outstanding balance with South Louisiana 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
South Louisiana 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, South Louisiana 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 South Louisiana Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
South Louisiana Bank questions, answered
Is South Louisiana Bank FDIC-insured, and what is its certificate number?
Yes. South Louisiana Bank holds FDIC certificate 23144. The FDIC record shows a charter established June 30, 1980, headquarters in Houma, LA, and 10 FDIC-reported offices with $660 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates South Louisiana Bank, and where do I escalate if a dispute fails?
South Louisiana Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against South Louisiana Bank?
None that can be attributed with confidence. South Louisiana Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to South Louisiana Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a South Louisiana Bank charge-off stay on my credit report?
A charged-off South Louisiana Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date South Louisiana Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with South Louisiana Bank and disputing with a collector?
The records live in different places. South Louisiana Bank originated the account in Houma, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the South Louisiana Bank tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does South Louisiana Bank report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of South Louisiana Bank — 10 offices, $660 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a South Louisiana Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
South Louisiana Bank was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted South Louisiana Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1980, core-system conversions are the usual cause.
Can I dispute South Louisiana Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send South Louisiana Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on South Louisiana Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 46-year-old lender like South Louisiana Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 South Louisiana 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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