Product: Debt collection

Complaint to CFPB Against KeyBank for Failure to Validate Debt, Unlawful Communication, and Maximum Damages Demand Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX Respondent : KeyBank National Association XXXX XXXX XXXX XXXX, OH XXXX Subject : Failure to Validate Debt, Unlawful Communication at Workplace, and Demand for Discharge & Maximum Allowable Damages Categories for CFPB Complaint : Failure to Validate Debt ( Violation of Fair Credit Reporting Act ( FCRA ) & Fair Debt Collection Practices Act ( FDCPA ) ) Unlawful Reinsertion of Previously Disputed Information Unlawful Contact at Work Despite Express Prohibition ( Violation of FDCPA ) Failure to Provide Proper Notice of Debt Verification Process Failure to Cease Collection and Reporting After Lack of Validation Violation of Federal and State Consumer Protection Laws What Happened? 
1. Failure to Validate the Debt I have repeatedly disputed the validity of the alleged debt with KeyBank. However, KeyBank has failed to provide any legally sufficient validation beyond mere account statements, which are insufficient as per federal law ( 15 U.S.C. 1692g ). 
Statements alone do not meet the standard of validation as required under the FDCPA and FCRA. Validation requires a signed contract, proof of services rendered, and complete itemization of chargesnone of which have been provided. 
KeyBank has failed to provide any evidence that this debt is enforceable or legally owed by me. 
KeyBank has also continued to furnish this disputed and unverified debt to credit reporting agencies ( CRAs ) despite being on notice of the dispute, violating 15 U.S.C. 1681s-2 ( b ). 
XXXX. Failure to Investigate and Provide Verification of Reporting I have made multiple disputes regarding the reporting of this alleged debt to credit bureaus ( XXXX, XXXX, XXXX ). KeyBank has not provided any legally sufficient verification process as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Under 15 U.S.C. 1681i ( a ) ( 5 ), when an item can not be verified, it must be permanently deleted.

KeyBank has failed to provide the specific procedures used to investigate and verify this debt.

Additionally, this debt has been reported inaccurately on my credit report, in violation of 15 U.S.C. 1681e ( b ), which requires furnishers to ensure the maximum possible accuracy of reported data.

3. Unlawful Contact at My Workplace Despite Prior Prohibition KeyBank was explicitly instructed not to contact me at my workplace ( XXXX XXXX XXXX, XXXX, OH ). 
Despite these instructions, KeyBank deliberately ignored my request and sent collection communications to my work address, in direct violation of 15 U.S.C. 1692c ( a ) ( XXXX ) ( FDCPA ), which prohibits debt XXXX from contacting a consumer at their workplace after being told not to. 
This has resulted in undue harassment and reputational damage. 
4. Unlawful Credit Reporting and Reinsertion of Previously Disputed Accounts KeyBank has continued to report this debt on my credit file despite their failure to validate it under 15 U.S.C. 1681s-2 ( b ).

Any previously deleted information can not be reinserted without proper certification of accuracy and written notification to the consumer, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

KeyBank has failed to meet these requirements and must immediately remove all negative reporting associated with this account. 
XXXX. Damages and XXXX XXXX Suffered XXXX to XXXX failure to validate the debt, their illegal reporting, and their refusal to remove inaccurate items, my credit has been damaged. 
I was denied access to a {$100000.00} line of credit with XXXX XXXX  due to this erroneous reporting. 
This denial has caused me significant financial harm, lost opportunities, and reputational damage. 
I have suffered stress, anxiety, and undue burden from repeatedly disputing a debt that KeyBank can not validate. 

Applicable Laws Violated 1. Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed accounts.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete information that can not be verified.

15 U.S.C. 1681s-2 ( b ) : Continuing to furnish unverified and inaccurate information.

15 U.S.C. 1681c-2 : Failure to block fraudulent information despite an identity theft claim.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used in their reinvestigation.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g : Failure to provide proper validation of debt.

15 U.S.C. 1692e ( 8 ) : Communicating false credit information to CRAs.

15 U.S.C. 1692c ( a ) ( 3 ) : Contacting me at my workplace after being told not to.

15 U.S.C. 1692d : Engaging in harassing, oppressive, or abusive conduct.

3. Consumer Financial Protection Act ( CFPA ) Violations : Unfair, deceptive, and abusive acts and practices ( UDAAP ).

Failure to provide consumers with clear and accurate debt validation information.

Demand for Resolution 1. IMMEDIATE DELETION of all accounts associated with KeyBank from my credit reports.

2. Permanent cease of all collection efforts against me, including any third-party collection assignments.

3. Immediate cessation of all communication to my workplace and strict adherence to my preferred contact address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ). 
4. Written confirmation from KeyBank detailing their method of verification for all disputed accounts.

5. Monetary damages in the maximum allowable amount under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ) for each violation.

6. Reimbursement for the financial harm caused by the denial of my {$100000.00} XXXX XXXX  XXXX, which resulted directly from their violations. 
7. Removal of any and all associated hard inquiries caused by this erroneous reporting. 

Legal Precedents Supporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : FCRA violations are legally actionable even without direct financial harm. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must conduct a meaningful investigation, not just rely on creditors. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers must fully investigate disputes. 

Final Notice If KeyBank does not take the necessary corrective actions, I will escalate this matter with litigation and regulatory enforcement actions. 

This complaint will also be forwarded to the CFPB, FTC, Ohio Attorney General, and relevant state and federal regulatory bodies. 

Please confirm receipt of this complaint and provide a resolution timeline. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX