Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendKey Technologies, Inc.
State: NJ

Complaint narrative:
Debt Validation Request Pursuant to 15 U.S.C. 1692g Debt Validation, Chain-of-Custody Demand, and CFPB Enforcement Request Pursuant to 15 U.S.C. 1692g, 1692e, 1692f, and CFPB Enforcement Authority To : LendKey Technologies , Inc . 
Submitted via CFPB LendKey Technologies , Inc. has asserted authority to collect on the accounts identified below. This letter does not concede the validity of that assertion. Rather, it constitutes a formal request for debt validation and proof of authority pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Any assertion of original-creditor status, servicer status, or collection authority must be substantiated with documentary proof. Until the documentation requested below is provided in full, LendKey is required to cease all collection activity, including credit reporting, related to the accounts listed herein. 
Accounts at Issue LENDKEY / XXXX XXXX XXXX XXXX  Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX  Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX  Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX XXXXccount No. XXXX Debt Validation and Chain-of-Custody Demand ( 15 U.S.C. 1692g ) Pursuant to 15 U.S.C. 1692g, I hereby request the following four ( 4 ) categories of documentation for each account listed above, without conceding creditor identity, ownership, or authority : A complete and itemized payment history for each account, including all charges, payments, credits, interest, fees, and adjustments from origination to present. 

A copy of the original contract or agreement, bearing the original signature, that you contend evidences the creation of the alleged debt. 

Disclosure of any insurance claim, guaranty payment, or third-party reimbursement made in connection with the alleged debt, including but not limited to credit insurance, default insurance, guarantor payments, or claims paid by any insurer, guarantor, or government entity. 

Proof of legal authority to collect, including the complete chain of custody / chain of title, showing how and why LendKey claims authority, whether as creditor, servicer, agent, or otherwise, with dates and supporting documents. 

Failure to provide this documentation constitutes a failure to validate the debt as required by 15 U.S.C. 1692g.

CFPB Enforcement Framing and Request for Regulatory Action This request is submitted to place the Consumer Financial Protection Bureau on notice of potential collection and reporting activity occurring without verified authority. 
Assertions of authority, internal narratives, or database confirmations do not satisfy the FDCPAs validation requirements. Continued collection or credit reporting activity absent validation may constitute : False, deceptive, or misleading representations under 15 U.S.C. 1692e Unfair or unconscionable practices under 15 U.S.C. 1692f Failure to properly validate a disputed debt under 15 U.S.C. 1692g Request for Civil Penalties and Consumer Compensation I respectfully request that the CFPB : Investigate LendKey Technologies , Inc. for collection and reporting activity undertaken without validated authority Assess civil monetary penalties pursuant to CFPB enforcement authority for any substantiated violations Order corrective relief and consumer compensation, including cessation of collection activity and deletion of unvalidated credit reporting Evaluate whether this conduct reflects a pattern or practice affecting multiple consumers Conclusion This letter does not concede debt validity, creditor identity, ownership, or authority. 
Until LendKey provides full validation and documented proof of authority, it must cease all collection and reporting activity related to the accounts listed above. 
All rights are expressly reserved.

Company response to consumer: Closed with explanation