Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: MI

Complaint narrative:
Subject : Request for Furnisher-Reported Date of First Delinquency and Investigation Details Reference : CFPB Case No. XXXX / 12 C.F.R. 1022.43 ( FCRA Direct Dispute Rule ) Dear KeyBank Regulatory Relations Team, This is a follow-up regarding KeyBanks investigation conducted under 12 C.F.R. 1022.43 in connection with CFPB Case No. XXXX. Pursuant to 1022.43 ( e ) ( 1 ) ( 3 ) and 15 U.S.C. 1681c ( c ) ( 1 ), please provide written confirmation of the following information for each account KeyBank furnishes to consumer reporting agencies : The Date of Commencement of the Delinquency that Immediately Preceded the Action ( Date of First Delinquency / DoFD ) furnished to a. XXXX  XXXX XXXX  XXXX XXXX. 

The date on which KeyBank completed its reinvestigation in response to the direct dispute transmitted through CFPB No. XXXX. 

A concise description of the steps taken to investigate the dispute as required by 1022.43 ( e ) ( 1 ) ( i ) ( ii ), including whether KeyBank : Reviewed internal account-level records ( e.g., forbearance approvals, payment history, XXXX data XXXX ; Verified the accuracy of information furnished to each CRA ; and Communicated any corrections or deletions to all CRAs as required by 1022.43 ( e ) ( 3 ). 

If KeyBank determined that no correction was necessary, please provide the factual basis for that determination, including the record relied upon to establish the reported DoFD and any charge-off status. 

This request seeks factual information necessary to confirm KeyBanks current furnishing and to preserve my rights under the Fair Credit Reporting Act. It does not waive any claim or defense. 

Please respond within 15 days of receipt. 

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 Michigan Regulation of Collection Practices Act ( MCL 445.251 et seq. ), the Michigan Consumer Protection Act ( MCL 445.901 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. 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