Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ Auburn, ME, XXXX ] [ Your Email Address ] [ Date ] KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX **RE : Formal Rebuttal and Request for Further Action Regarding KeyBank Account Closure and Reporting Practices** **CFPB Case No. XXXX and XXXX XXXX XXXX XXXX. XXXX and XXXX Dear XXXX XXXX and the Office XXXX XXXX XXXX XXXX I am writing to formally rebut the conclusions and actions taken by KeyBank XXXX outlined in your letter dated XX/XX/year>, in relation to my Key Smart Checking and Key Active Saver accounts. Despite your investigation and the subsequent explanation provided, there remain several unresolved issues and concerns that compel me to seek a more satisfactory resolution. 

XXXX. Inadequate Justification for Account Closure** : Your letter indicates the accounts were closed due to " suspicious activity '' that was purportedly " not in accordance with the KeyBank XXXX Account Agreement and Funds Availability Policy '' XXXX. However, the specifics of the alleged suspicious activity have not been adequately detailed or substantiated. I assert that all transactions and activities were legitimate and within my rights as an account holder. I request a detailed explanation of the so-called suspicious activity, including evidence and documentation that led to this determination. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( EWS ) ** : The decision to report to EWS based on the closure of my accounts appears to be both premature and unwarranted. As per Section 28 of the Agreement, while KeyBank may report information, it is imperative that such information is accurate and reflective of actual account XXXX. I contend that the reporting was done without proper justification and that this has caused undue harm to my financial standing. Therefore, I demand that KeyBank review and rectify the information furnished to EWS and any other credit reporting agencies, in compliance with the Fair Credit Reporting Act. 

XXXX. Lack of Transparency and Documentation** : Your response to my request for documentation regarding the account closures and the basis for reporting to EWS has been unsatisfactory. As a customer, I am entitled to transparency and access to the documents that influence such impactful XXXX. I insist on receiving copies of all records, call logs, emails, and internal notes that pertain to my accounts and the actions taken by KeyBank. 

**4. Resolution and Reconciliation** : It is my firm belief that KeyBank XXXX actions have been both unjustified and detrimental to my financial reputation. I seek not only a thorough reevaluation of my case, including a reversal of the account closures and withdrawal of the EWS report, but also appropriate compensation for the inconvenience and potential financial harm caused by these actions. 

Please understand that my intention is to resolve this matter amicably and efficiently. However, should KeyBank fail to address my concerns satisfactorily and restore my financial integrity, I am prepared to escalate this dispute further, including seeking legal recourse and engaging regulatory bodies beyond the Consumer Financial Protection Bureau. 

I look forward to your prompt and positive response, ideally within XXXX business days of this letter, detailing the steps KeyBank will take to address and resolve these issues comprehensively. 

Sincerely, XXXX XXXX