Unity Bank of Mississippi on Your Credit Report
In short: Headquartered in Holly Springs, Mississippi, Unity Bank of Mississippi is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 11446 dates to March 15, 1899. At the 06/30/2026 reporting date the bank showed $282 million in total assets and 8 FDIC-reported offices. Unity Bank of Mississippi 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 Unity Bank of Mississippi actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Unity Bank of Mississippi is recorded by the FDIC under certificate 11446 as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, with 8 offices in Mississippi and $282 million in assets at the 06/30/2026 call report.
How Unity Bank of Mississippi appears on your credit report
Unity Bank of Mississippi is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Unity Bank of Mississippi, and file the §611 dispute in parallel. the Unity Bank of Mississippi reviews these internally from Holly Springs, Mississippi. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 8 Mississippi banking offices of Unity Bank of Mississippi
- ◆Home-equity lines and residential mortgages originated near Holly Springs
- ◆Vehicle and equipment paper financed directly through Unity Bank of Mississippi
Grounds to dispute a Unity Bank of Mississippi entry
Each of these is a reason a Unity Bank of Mississippi tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Holly Springs office credited to the wrong Unity Bank of Mississippi account number
- ◆Account still reporting open after Unity Bank of Mississippi closed it at your request
- ◆First-delinquency date shifted forward on a later Unity Bank of Mississippi pull
- ◆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
Unity Bank of Mississippi 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, Unity Bank of Mississippi 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 Unity Bank of Mississippi a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Unity Bank of Mississippi questions, answered
Does the FDIC insure deposits at Unity Bank of Mississippi?
It is insured, and certificate 11446 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Holly Springs, MS, chartered March 15, 1899, reporting $282 million and 8 offices as of 06/30/2026.
Which regulator oversees Unity Bank of Mississippi?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Unity Bank of Mississippi 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 Unity Bank of Mississippi head office in Holly Springs, Mississippi.
How many credit-card complaints does the CFPB show against Unity Bank of Mississippi?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Unity Bank of Mississippi 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 Unity Bank of Mississippi charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Unity Bank of Mississippi last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Unity Bank of Mississippi and disputing with a collector?
The records live in different places. As the original creditor, Unity Bank of Mississippi 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 Unity Bank of Mississippi therefore lands where the evidence actually is.
Does Unity Bank of Mississippi report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Unity Bank of Mississippi — 8 offices in Mississippi — 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 Unity Bank of Mississippi tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Unity Bank of Mississippi has operated since 1899, 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 a Unity Bank of Mississippi account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Unity Bank of Mississippi 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 Unity Bank of Mississippi headquartered, and does that affect my dispute?
Unity Bank of Mississippi is headquartered in Holly Springs, Mississippi, with 8 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 Unity Bank of Mississippi; 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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