State Bank of Chilton on Your Credit Report
In short: Headquartered in Chilton, Wisconsin, State Bank of Chilton is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. FDIC certificate 12331 traces to April 19, 1891, a nineteenth-century charter that predates every federal credit-reporting statute. As of the 06/30/2026 call report, State Bank of Chilton held $517 million in assets and operated 5 FDIC-reported offices. State Bank of Chilton 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 of Chilton actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank of Chilton carries FDIC certificate 12331, operates 5 FDIC-reported offices and reported $517 million in assets on its most recent call report in Chilton, Wisconsin.
How State Bank of Chilton appears on your credit report
State Bank of Chilton furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. State Bank of Chilton is Wisconsin-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. 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 Chilton area
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a State Bank of Chilton entry
Each of these is a reason a State Bank of Chilton 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 Chilton teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after State Bank of Chilton processed the final payment
- ◆One State Bank of Chilton 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 of Chilton 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 of Chilton 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 of Chilton 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 of Chilton questions, answered
Does the FDIC insure deposits at State Bank of Chilton?
Yes — deposits are FDIC-insured under certificate 12331. The FDIC record lists State Bank of Chilton 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 Chilton, WI, chartered April 19, 1891, holding $517 million across 5 offices at the 06/30/2026 call report.
My dispute with State Bank of Chilton failed — who do I complain to?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Wisconsin you banked with State Bank of Chilton.
How many credit-card complaints does the CFPB show against State Bank of Chilton?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched State Bank of Chilton 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 State Bank of Chilton charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the State Bank of Chilton 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.
Should I dispute with State Bank of Chilton directly or with the collection agency?
Go to whoever holds the documents. State Bank of Chilton has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to State Bank of Chilton tends to produce a substantive answer rather than a rubber-stamp verification.
Does State Bank of Chilton report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and State Bank of Chilton, with 5 offices around Chilton, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
State Bank of Chilton changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. State Bank of Chilton has operated since 1891, 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 of Chilton account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to State Bank of Chilton 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 State Bank of Chilton headquartered, and does that affect my dispute?
The home office is in Chilton, Wisconsin, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 of Chilton; 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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