The Shelby State Bank on Your Credit Report
In short: The Shelby State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Shelby, Michigan. FDIC certificate 10157 records the charter as established March 2, 1910. Its pre-Federal-Reserve charter means the bank's records span multiple eras of consumer-reporting practice. The 06/30/2026 call report puts total assets at $397 million, spread over 9 FDIC-reported offices. Lending from its own balance sheet makes The Shelby State Bank the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Shelby State Bank operates under FDIC certificate 10157 from Shelby, Michigan, where its charter has run since March 2, 1910; the 06/30/2026 call report shows $397 million in total assets and 9 FDIC-reported offices.
How The Shelby State Bank appears on your credit report
The Shelby State Bank furnishes its own tradelines as the original creditor, which matters for how you write. At $397 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Michigan offices
- ◆Residential mortgage and HELOC accounts secured by Michigan real estate
- ◆Small-business and consumer accounts carried on the Shelby State Bank balance sheet
Grounds to dispute a The Shelby State Bank entry
Each of these is a reason a The Shelby State Bank 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 The Shelby State Bank
- ◆Paid-in-full installment loan still showing a Shelby State Bank charge-off status
- ◆Duplicate Shelby State Bank tradeline created when the account migrated between core systems
- ◆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 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 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 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 State Bank questions, answered
Is The Shelby State Bank FDIC-insured, and what is its certificate number?
Yes. The Shelby State Bank holds FDIC certificate 10157. The FDIC record shows a charter established March 2, 1910, headquarters in Shelby, MI, and 9 FDIC-reported offices with $397 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates The Shelby State Bank, and where do I escalate if a dispute fails?
The Shelby State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The Shelby State Bank?
We do not publish a figure for The Shelby State Bank. A 9-office small community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Shelby State Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Shelby State Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For The Shelby State Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with The Shelby State Bank and disputing with a collector?
The Shelby State Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to The Shelby State Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does The Shelby State Bank report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Shelby State Bank tradeline as a genuine dispute target.
The Shelby State Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, a Shelby State Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute The Shelby State Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send The Shelby State Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on The Shelby State Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 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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