Consumer complaint received 2018-05-11
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received a letter in the mail from XXXX XXXX stating that they regret to inform me that my credit score with XXXX XXXX is too low for me to be approved for a purchase of a new vehicle. I know for a fact that my XXXX, XXXX, and XXXX  scores are well within the correct range to finance a vehicle. The credit score from XXXX was a XXXX!! There is absolutely no way that any of the information that they have for me is correct since the letter stated that i have limited history for consumer at a address, too few active accounts, and too few bankcard accounts. This company then asks me to send in the following information to receive any form of services from them in regards to my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " 1. Submit a written request by secured fax at ( XXXX ) XXXX, or by mail to : XXXX , XXXX   Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. 

Note that requesting your XXXX credit score will not hurt or otherwise impact your XXXX credit score. 

If you submit a written request by fax or mail, please provide the following information : Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) For security purposes, we must verify your identity. Therefore, please include the following with your written request : A legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

Your request will be processed within five ( 5 ) business days after receipt and your credit score will be sent by USPS first-class mail. 

If you would like to request a copy of your XXXX consumer report, please click Consumer Report for instructions. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The information that they are asking for is very private in regards to sending via Snail Mail which concerns me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation