Sundown State Bank on Your Credit Report
In short: Headquartered in Sundown, Texas, Sundown 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. The charter behind FDIC certificate 18780 dates to May 21, 1963 — a mid-century charter that predates the FCRA. Call-report figures for 06/30/2026 list $308 million in assets spread over 5 FDIC-reported offices. Sundown 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 Sundown State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Sundown State Bank carries FDIC certificate 18780, operates 5 FDIC-reported offices and reported $308 million in assets on its most recent call report in Sundown, Texas.
How Sundown State Bank appears on your credit report
Because Sundown State Bank originated the account, it furnishes the tradeline directly and holds the original file. Sundown State Bank is Texas-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
- ◆Personal and installment credit booked through its 5 Texas locations
- ◆Residential mortgage and home-equity lending in and around Sundown
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute a Sundown State Bank entry
Each of these is a reason a Sundown State Bank 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 Sundown office on time but posted to the next cycle
- ◆Balance not updated to zero after Sundown State Bank completed the payoff
- ◆Duplicate Sundown 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
Sundown 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, Sundown 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 Sundown 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.
Sundown State Bank questions, answered
Does the FDIC insure deposits at Sundown State Bank?
Yes — deposits are FDIC-insured under certificate 18780. The FDIC record lists Sundown 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 Sundown, TX, chartered May 21, 1963, holding $308 million across 5 offices at the 06/30/2026 call report.
My dispute with Sundown State Bank failed — who do I complain to?
Sundown 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 Sundown State Bank head office in Sundown is the right address for the written record.
How many credit-card complaints does the CFPB show against Sundown State Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Sundown 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.
When does a Sundown State Bank charge-off fall off my report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Sundown State Bank 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 Sundown State Bank and disputing with a collector?
Go to whoever holds the documents. Sundown State Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Sundown State Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Sundown State Bank furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Sundown State Bank, with 5 offices around Sundown, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Sundown State Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Sundown State Bank has operated since 1963, 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.
Do I need to hire someone to dispute a Sundown State Bank entry?
No payment is required. Writing to the bureaus under §611 or to Sundown State Bank 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 Sundown State Bank headquartered, and does that affect my dispute?
Sundown State Bank is headquartered in Sundown, Texas, 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 Sundown 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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