The Hocking Valley Bank on Your Credit Report
In short: The Hocking Valley Bank 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 Athens, Ohio. FDIC certificate 18858 traces to February 12, 1919, a charter older than the FDIC itself. As of the 06/30/2026 call report, The Hocking Valley Bank held $354 million in assets and operated 5 FDIC-reported offices. The Hocking Valley 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 The Hocking Valley Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Hocking Valley Bank carries FDIC certificate 18858, operates 5 FDIC-reported offices and reported $354 million in assets on its most recent call report in Athens, Ohio.
How The Hocking Valley Bank appears on your credit report
The Hocking Valley Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Ohio charter and 5 FDIC-reported offices, The Hocking Valley Bank adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Ohio
- ◆Purchase-money mortgages and home-equity draws written in the Athens area
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute The Hocking Valley Bank entry
Each of these is a reason The Hocking Valley Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Athens posted after the due date and reported 30 days late
- ◆Paid-in-full The Hocking Valley Bank loan continuing to report an outstanding balance
- ◆One The Hocking Valley Bank 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
The Hocking Valley 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, The Hocking Valley 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 The Hocking Valley Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Hocking Valley Bank questions, answered
Is The Hocking Valley Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 18858. The FDIC record lists The Hocking Valley Bank 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 Athens, OH, chartered February 12, 1919, holding $354 million across 5 offices at the 06/30/2026 call report.
Which regulator oversees The Hocking Valley Bank?
Oversight sits with the Federal Reserve 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 Ohio you banked with The Hocking Valley Bank.
How many credit-card complaints does the CFPB show against The Hocking Valley Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Hocking Valley Bank 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.
What is the reporting limit on The Hocking Valley Bank account?
The FCRA ceiling is roughly seven years from the date of first delinquency on The Hocking Valley 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.
Should I dispute with The Hocking Valley Bank directly or with the collection agency?
The Hocking Valley Bank 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 The Hocking Valley Bank puts the question to the party that can actually check it against source documents.
Does The Hocking Valley Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Hocking Valley Bank — 5 offices in Ohio — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
The Hocking Valley Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. The Hocking Valley Bank has operated since 1919, 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 The Hocking Valley Bank entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Hocking Valley Bank 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 The Hocking Valley Bank headquartered, and does that affect my dispute?
The home office is in Athens, Ohio, 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 Federal Reserve 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 The Hocking Valley 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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