Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: KEYCORP
State: MI

Complaint narrative:
Subject : All Accounts/Tradelines XXXX XXXX Pursuant to : 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), 1681i ( a ) ( 1 ) ( A ) ( 5 ), and the CFPBs XXXX Advisory Opinion on Facially False or Technically Inaccurate Information ( XXXX Fed. XXXX. XXXX ) The account ( s ) were subject to a payment extension from XX/XX/XXXX through XX/XX/XXXX. 

Each account/tradeline furnished by XXXX XXXX reports an on record until date of XX/XX/XXXX. 

Subtracting seven ( 7 ) years from that date yields a Date of First Delinquency ( DoFD ) of XX/XX/XXXX. 

The DoFD, which is crucial for accurate reporting of any alleged charge-off, must fall within the six-month ( XXXX ) period that precedes the first CO annotation in the payment history .

The reported DoFD is therefore facially inaccurate, because it implies that the initial default leading to charge-offthe first thirty-day past-due in a continuous sequenceoccurred outside the six-month period preceding the CO annotations. 

KeyBanks own written response dated XXXX XX/XX/XXXX to CFPB XXXX XXXX. XXXX admits : We determined a payment extension for the Accounts was approved by KeyBank on XX/XX/XXXX, which was retroactively applied for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, an inadvertent error resulted in the extension not being communicated to the servicer of the Accounts until XX/XX/XXXX. 

Accordingly, the information furnished for all accounts/tradelines KEYBANK XXXX XXXX facially illogical. 

Because charge-off annotations and statuses necessarily depend upon the XXXX, a facially inaccurate or illogical XXXX renders any XXXX ( CO ) status and payment history equally inaccurate. 
Under XXXX XXXX. XXXX ( a ) ( XXXX ) and the CFPBs XXXX XXXX XXXX, the charge-off date must correspond to a continuous XXXX delinquency period following the true DoFD. 
Where, as here, KeyBank itself concedes that all months from XX/XX/XXXX through XX/XX/XXXX were covered by a retroactive payment extension, there could be no uninterrupted delinquency sequence during that interval. 
Any CO annotation appearing in the payment history -- within six months of those protected months -- therefore reflects an impossible chronology, constituting facially inaccurate, unverifiable, and misleading information within the meaning of 1681i ( a ) and 1681e ( b ). 

By continuing to publish tradelines reflecting those CO annotations and an on record until date implying a XX/XX/XXXX DoFD, Experian failed to delete or correct information it knew or should have known was logically inconsistent with the furnishers own admission of a retroactive extensionviolating 1681i ( a ) ( 1 ) ( A ) ( 5 ) and 1681e ( b ).

DEMAND FOR RELIEF Pursuant to 15 U.S.C. 1681i ( a ), REMOVE any and all accounts and tradelines identified as KEYBANK NA from the files and consumer reports that Experian maintains and disseminates pertaining to me. 

PERMANENTLY BLOCK any and all accounts and tradelines identified as KEYBANK NA from appearing in the files and reports, or from being reinserted in any form into said files and reports pertaining to me. 

Alternatively, if XXXX  declines to remove the tradelines in their entirety, remove all payment history associated with any and all accounts identified as KEYBANK NA, and block any future updates or modifications from appearing in the files and reports XXXX  maintains and disseminates regarding me. 

NOTICE OF PRESERVATION OF RIGHTS AND NON-WAIVER Nothing in this correspondence shall be construed as a waiver, limitation, or modification of any rights or remedies available to me under federal or state law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the XXXX  Regulation of Collection Practices Act ( XXXX XXXX et seq. ), the XXXX  Consumer Protection Act ( XXXX XXXX et seq. ), or any related tort, common-law, equitable, or statutory cause of action recognized in any state, federal territory, or jurisdiction of the United States XXXX 

All such rights are expressly preserved, and nothing herein shall be deemed or construed as consent to, or acknowledgment of, any alleged arbitration clause, class-action waiver, limitation period, or other contractual restriction. 
There has been no meeting of the minds, no mutual assent, and no valid agreementwritten, electronic, or otherwiseto arbitrate any dispute, to delegate issues of arbitrability to an arbitrator, or to sever any clause under any separability doctrine. Any purported assent was neither knowing nor willful, and no conduct by the consumer shall be construed as acceptance or ratification of any arbitration clause, delegation provision, or limitation-of-rights agreement. 

XXXX, KeyBank, and their respective agents are hereby placed on notice to preserve all records, notes, communications, and electronically stored information relevant to these accounts and disputes.

Company response to consumer: Closed with explanation