Product: Debt collection

KeyBank National Association has reported and charged off an account allegedly associated with my XXXX, Ohio XXXX XXXX, XXXX, without providing the required validation of the debt. Despite my repeated disputes and requests for full and complete validation of this debt, KeyBank has failed to substantiate their claims as required by federal law. Specifically : Failure to Provide Validation Documents : KeyBank has not provided any original loan agreement, payment history, detailed breakdown of charges, or specific documentation proving the legitimacy of the alleged debt. 
The letter dated XX/XX/scrub> 2025, vaguely states that the account has been charged off and refers the account for further recovery action without fulfilling its obligation to validate the debt under 15 U.S.C. 1692g.

Failure to Investigate Disputes : Despite being notified of disputes regarding this debt, KeyBank has failed to conduct a reasonable investigation or provide sufficient evidence to validate the alleged debt, in violation of 15 U.S.C. 1681s-2 ( b ).

KeyBank has prematurely reported the account as a " charge-off '' without resolving the dispute, directly damaging my creditworthiness.

Misleading Language : The letter contains coercive language suggesting the debt is still legally owed, despite the lack of validation, and that the alleged obligation remains unaffected by divorce, which is irrelevant and deceptive.

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : KeyBank continues to report the charged-off debt to credit reporting agencies despite not validating it, violating 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i ( a ) ( 1 ).

Fair Debt Collection Practices Act ( FDCPA ) : KeyBank has not provided full validation, including the original agreement, complete payment history, and a breakdown of charges, as required under 15 U.S.C. 1692g.

Consumer Financial Protection Act ( CFPA ) : KeyBanks actions constitute unfair and deceptive practices, violating the protections outlined in the CFPA.

Financial Harm and Emotional Distress : The failure to validate and the improper reporting of this charged-off account have negatively impacted my credit scores, restricting access to credit and causing financial harm. Additionally, the ongoing disputes and lack of resolution have caused significant emotional distress. 
Violations of Law : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( b ) : Obligation to investigate disputes and cease reporting unvalidated information.

15 U.S.C. 1681e ( b ) : Obligation to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Obligation to conduct a reasonable reinvestigation.

15 U.S.C. 1681g : Obligation to disclose all information regarding accounts and adverse actions.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g : Requirement to validate the debt, including : The original agreement. 
Detailed payment history. 
Breakdown of all fees and interest accrued. 
15 U.S.C. 1692e : Prohibition against false or misleading representations.

15 U.S.C. 1692f : Prohibition against unfair practices in debt collection.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).