The Pecos County State Bank on Your Credit Report
In short: The Pecos County 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 headquartered in Fort Stockton, Texas. Certificate 13006 was issued against a charter dating to May 11, 1928, a charter older than the FDIC itself. The 06/30/2026 call report puts The Pecos County State Bank at $309 million in assets across 5 FDIC-reported offices. The Pecos County 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 The Pecos County State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Pecos County State Bank carries FDIC certificate 13006, operates 5 FDIC-reported offices and reported $309 million in assets on its most recent call report in Fort Stockton, Texas.
How The Pecos County State Bank appears on your credit report
The Pecos County State Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Texas charter and 5 FDIC-reported offices, The Pecos County State Bank adjudicates these disputes internally. 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
- ◆Home-equity lines and residential mortgages originated near Fort Stockton
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute The Pecos County State Bank entry
Each of these is a reason The Pecos County 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 Fort Stockton office on time but posted to the next cycle
- ◆Account still showing a balance after The Pecos County State Bank processed the final payment
- ◆Duplicate The Pecos County 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
The Pecos County 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, The Pecos County 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 The Pecos County 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.
The Pecos County State Bank questions, answered
Is The Pecos County State Bank FDIC-insured, and what is its certificate number?
Certificate 13006 is the FDIC record for The Pecos County State Bank. 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 Fort Stockton, TX, with a charter dating to May 11, 1928; the 06/30/2026 call report shows $309 million in assets and 5 offices.
Which regulator oversees The Pecos County State Bank?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever The Pecos County State Bank tells you.
How many credit-card complaints does the CFPB show against The Pecos County State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Pecos County State 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 Pecos County State Bank account?
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 Pecos County State Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to The Pecos County State Bank or to the collector?
The Pecos County State 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 Pecos County State Bank puts the question to the party that can actually check it against source documents.
Does The Pecos County State Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Pecos County State Bank — 5 offices in Texas — 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.
Why does one The Pecos County State Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. The Pecos County State Bank has operated since 1928, 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 Pecos County State Bank entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Pecos County State 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 Pecos County State Bank headquartered, and does that affect my dispute?
The Pecos County State Bank is based in Fort Stockton, Texas and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Pecos County 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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