The Bank of Herrin on Your Credit Report
In short: Headquartered in Herrin, Illinois, The Bank of Herrin 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 11310 dates to April 12, 1904 — a charter older than the FDIC itself. As of the 06/30/2026 call report, The Bank of Herrin held $349 million in assets and operated 5 FDIC-reported offices. The Bank of Herrin 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 The Bank of Herrin actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bank of Herrin carries FDIC certificate 11310, operates 5 FDIC-reported offices and reported $349 million in assets on its most recent call report in Herrin, Illinois.
How The Bank of Herrin appears on your credit report
This tradeline is furnished by The Bank of Herrin itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Illinois and operating 5 FDIC-reported offices, The Bank of Herrin 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 lines of credit opened at its 5 Illinois banking offices
- ◆Mortgage and home-equity accounts originated in the Herrin market
- ◆Small-business credit backed by a personal pledge
Grounds to dispute The Bank of Herrin entry
Each of these is a reason The Bank of Herrin 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 Herrin office on time but posted to the next cycle
- ◆Account still showing a balance after The Bank of Herrin processed the final payment
- ◆Duplicate The Bank of Herrin 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
The Bank of Herrin 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, The Bank of Herrin 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 The Bank of Herrin a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Bank of Herrin questions, answered
Does the FDIC insure deposits at The Bank of Herrin?
Certificate 11310 is the FDIC record for The Bank of Herrin. 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 Herrin, IL, with a charter dating to April 12, 1904; the 06/30/2026 call report shows $349 million in assets and 5 offices.
Who regulates The Bank of Herrin, and where do I escalate if a dispute fails?
The Bank of Herrin 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 Bank of Herrin head office in Herrin is the right address for the written record.
How many credit-card complaints does the CFPB show against The Bank of Herrin?
We do not publish a figure for The Bank of Herrin. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
When does The Bank of Herrin charge-off fall off my 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 Bank of Herrin tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with The Bank of Herrin and disputing with a collector?
Go to whoever holds the documents. The Bank of Herrin has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to The Bank of Herrin tends to produce a substantive answer rather than a rubber-stamp verification.
Will The Bank of Herrin account show on all three reports?
There is no legal requirement to furnish to every bureau, and The Bank of Herrin, 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 The Bank of Herrin.
Why does one The Bank of Herrin account appear twice on my report?
One account showing twice is a classic conversion artifact. The Bank of Herrin has operated since 1904, 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.
Is there a free way to dispute The Bank of Herrin tradeline?
No payment is required. Writing to the bureaus under §611 or to The Bank of Herrin 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 The Bank of Herrin headquartered, and does that affect my dispute?
The Bank of Herrin is headquartered in Herrin, Illinois, 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 The Bank of Herrin; 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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