State Bank Financial on Your Credit Report
In short: State Bank Financial is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in La Crosse, Wisconsin. The charter behind FDIC certificate 10383 dates to July 26, 1858 — a nineteenth-century charter that predates every federal credit-reporting statute. As of the 06/30/2026 call report, State Bank Financial held $512 million in assets and operated 5 FDIC-reported offices. State Bank Financial 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 State Bank Financial actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank Financial carries FDIC certificate 10383, operates 5 FDIC-reported offices and reported $512 million in assets on its most recent call report in La Crosse, Wisconsin.
How State Bank Financial appears on your credit report
Because State Bank Financial originated the account, it furnishes the tradeline directly and holds the original file. Chartered in Wisconsin and operating 5 FDIC-reported offices, State Bank Financial handles disputes against its own records. Put it in writing, name the specific field you say 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 installment and personal lending across its 5 Wisconsin offices
- ◆Purchase-money mortgages and home-equity draws written in the La Crosse area
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a State Bank Financial entry
Each of these is a reason a State Bank Financial tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the La Crosse office on time but posted to the next cycle
- ◆Paid-in-full State Bank Financial loan continuing to report an outstanding balance
- ◆One State Bank Financial obligation appearing as two tradelines after a core-system conversion
- ◆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
State Bank Financial 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, State Bank Financial 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 State Bank Financial a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
State Bank Financial questions, answered
Is State Bank Financial FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 10383. The FDIC record lists State Bank Financial as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in La Crosse, WI, chartered July 26, 1858, holding $512 million across 5 offices at the 06/30/2026 call report.
Who regulates State Bank Financial, and where do I escalate if a dispute fails?
State Bank Financial answers primarily to the Federal Reserve 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 State Bank Financial head office in La Crosse is the right address for the written record.
How many credit-card complaints does the CFPB show against State Bank Financial?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for State Bank Financial, 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 State Bank Financial charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the State Bank Financial account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with State Bank Financial and disputing with a collector?
State Bank Financial is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to State Bank Financial puts the question to the party that can actually check it against source documents.
Does State Bank Financial furnish to Equifax, Experian and TransUnion?
There is no legal requirement to furnish to every bureau, and State Bank Financial, operating 5 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 State Bank Financial.
State Bank Financial changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. State Bank Financial has operated since 1858, 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 State Bank Financial account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to State Bank Financial are free and available to you. 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 State Bank Financial headquartered, and does that affect my dispute?
State Bank Financial is headquartered in La Crosse, 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 State Bank Financial; 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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