Product: Credit reporting or other personal consumer reports

Around XXXX of XXXX, I went in person to the Key Bank location in XXXX XXXX, to open an account relating to a promotion they sent me by mail. The promotion stated I would receive a bonus if I deposited at least XXXX into a new account and kept the money in that new account for a certain a mount of time ( it's been almost a year, so I could be wrong on the exact amount they requested ). I had at least XXXX saved in an external account, which I wanted to use to transfer those funds into my new key bank account. I met with a bank XXXX  ( a XXXX XXXX  ), who asked for my driver 's license, other documentation to open the account, as well as my external account info to transfer the funds from. The bank rep had my driver 's license in hand while working on the computer for about an hour, without telling me there were any suspicions. After at least XXXX XXXX, he said the bank would reach out to me soon. 

Soon after, I received a letter ( attached ) from key bank dated, XX/XX/XXXX stating my account was on hold due to suspicious activity. After that, I received another letter ( attached ) from key bank stating I violated their deposit account agreement and fund availability policy and that they closed my account and XXXX  business relationship. I called key bank on XX/XX/XXXX and spoke to XXXX from the fraud dept. asking what had happened. He stated my deposit did not go through ( I don't know why since I can prove I had enough funds ) and that " my appearance at the bank caused the bank XXXX  to not be able to validate by identity, and that I was reported to checksystems. '' I work from home- usually in pajamas- so I remember taking my lunch break to quickly go to the bank and open the account. I admit I might not have looked my best when I went to the bank, but I provided the bank rep all the documentation he requested at that time. After that visit, I was not contacted again by key bank with attempts to verify my identity or verify the validity of my external account. I only received the XXXX letters I mentioned above. 

I was concerned about checksystems so at the end of XXXX, I requested my report from checksystems ( attached ) to see if key bank reported anything, but didn't see any false reports. I thought it had all been a misunderstanding and didn't think anything of it. However, I have recently been declined from opening accounts at XXXX Bank as well as XXXX XXXX XXXX due to information they obtained from the consumer reporting agency. I requested my consumer report from Early Warning and noticed that key bank reported an identity fraud under my name on XX/XX/XXXX ( XXXX XXXX of the report ). I called key bank today to dispute this, and the fraud XXXX  stated too much time has passed to dispute, and that I should dispute it with checksystems ( which I did today, and waiting to hear back ). I asked the XXXX  why they reported identity fraud under my name and she said it was because I didn't provide my ID or bank information, which is completely false. I went in person and provided that information to them. After the bank visit, they never contacted me to further verify my external bank information or my identity. They only sent me those XXXX letters and reported identity fraud under my name, which is showing on my consumer report, and preventing me from opening any bank account. 

I don't see any indication on my Early Warning consumer report or my credit reports ( from all three agencies ) that I have been a victim of identity theft, so there is no other way for me to proceed than to have key bank remove the unfounded identity fraud report under my name. They had absolutely no grounds to make that false report about me after meeting me XXXX  at the branch and never contacting me again for me to have a chance to resolve any suspicions they had. They carelessly and negligently have ruined my reputation without first doing thorough due diligence.