The Shelby County State Bank on Your Credit Report
In short: Operating 11 FDIC-reported offices from a head office in Harlan, Iowa, The Shelby 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 under FDIC certificate 1553. The charter dates to August 2, 1909 and the most recent call report, dated 06/30/2026, shows $524 million in total assets. As an original creditor, Shelby County State Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Shelby County State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Shelby County State Bank appears in FDIC BankFind as certificate 1553, headquartered Harlan, Iowa, chartered August 2, 1909, with 11 FDIC-reported offices and $524 million in assets.
How The Shelby County State Bank appears on your credit report
Because Shelby County State Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Shelby County State Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 11 offices in Iowa, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Shelby County State Bank branch staff in Iowa
- ◆First-lien residential mortgages and refinances written around Harlan
- ◆Small-business and agricultural credit carried on the Shelby County State Bank balance sheet
Grounds to dispute The Shelby County State Bank entry
Each of these is a reason The Shelby County State 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 Harlan posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Shelby County State Bank completed the payoff
- ◆Duplicate Shelby 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 Shelby 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 Shelby 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 Shelby 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 Shelby County State Bank questions, answered
Is The Shelby County State Bank FDIC-insured, and under what certificate?
Yes — The Shelby County State Bank appears in FDIC BankFind under certificate 1553. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Harlan, IA, with a charter dated August 2, 1909, $524 million in assets and 11 offices at the 06/30/2026 call report.
Who supervises The Shelby County State Bank if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Shelby County State Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Shelby County State Bank head office in Harlan, Iowa.
How many credit-card complaints does the CFPB show against The Shelby County State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Shelby 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.
How long can Shelby County State Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Shelby County State Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with The Shelby County State Bank and disputing with a collector?
The records live in different places. As the original creditor, Shelby County State Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Shelby County State Bank therefore lands where the evidence actually is.
Does The Shelby County State Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Shelby County State Bank — 11 offices in Iowa — 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.
I see duplicate The Shelby County State Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Shelby County State Bank has operated since 1909, 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.
Can I dispute Shelby County State Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Shelby County 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 The Shelby County State Bank headquartered, and does that affect my dispute?
The Shelby County State Bank is headquartered in Harlan, Iowa, with 11 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 Shelby 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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