The Citizens State Bank of Ouray on Your Credit Report
In short: The Citizens State Bank of Ouray runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Ouray, Colorado. Certificate 1779 puts the charter date at August 20, 1913, placing Citizens State Bank of Ouray in the early-twentieth-century cohort of surviving charters. As of the 06/30/2026 call report, Citizens State Bank of Ouray held $231 million in assets and operated 7 FDIC-reported offices. The Citizens State Bank of Ouray 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 open 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 Citizens State Bank of Ouray actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Citizens State Bank of Ouray operates 7 FDIC-reported offices out of Ouray, Colorado, holding $231 million in assets under certificate 1779 on a charter dating to August 20, 1913.
How The Citizens State Bank of Ouray appears on your credit report
Treat Citizens State Bank of Ouray as the original creditor here — the dispute mechanics differ from a collector's. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer loans written and serviced in-house
- ◆Mortgage and home-equity credit originated in the Colorado region
- ◆Consumer accounts originated across its 7 Colorado offices
Grounds to dispute a The Citizens State Bank of Ouray entry
Each of these is a reason a The Citizens State Bank of Ouray tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Citizens State Bank of Ouray
- ◆Balance not zeroed after Citizens State Bank of Ouray accepted a settlement
- ◆Single Citizens State Bank of Ouray loan appearing twice after a systems migration
- ◆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 Citizens State Bank of Ouray 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 Citizens State Bank of Ouray 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 Citizens State Bank of Ouray a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Citizens State Bank of Ouray questions, answered
Is The Citizens State Bank of Ouray FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 1779. That record lists The Citizens State Bank of Ouray as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Ouray, CO, chartered August 20, 1913, with $231 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Citizens State Bank of Ouray, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Citizens State Bank of Ouray answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The Citizens State Bank of Ouray?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Citizens State Bank of Ouray 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 Citizens State Bank of Ouray charge-off stay on my credit report?
About seven years from the original date of first delinquency on the Citizens State Bank of Ouray loan. Neither a charge-off entry nor a later sale to a collector resets it. If the Citizens State Bank of Ouray tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with The Citizens State Bank of Ouray and disputing with a collector?
The Citizens State Bank of Ouray is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to Citizens State Bank of Ouray tends to resolve factual questions a collector simply cannot answer.
Does The Citizens State Bank of Ouray report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming Citizens State Bank of Ouray made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
The Citizens State Bank of Ouray was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Citizens State Bank of Ouray migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute The Citizens State Bank of Ouray reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Citizens State Bank of Ouray naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on The Citizens State Bank of Ouray reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the Citizens State Bank of Ouray entry field by field. One documented error beats a broad removal request every time.
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 Citizens State Bank of Ouray; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.