Consumer complaint received 2020-08-09
Company: ID Analytics, Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX, XXXX, I purchased a car. Credit inquiries went out to finance the car. XXXX credit request went to XXXX XXXX  which used XXXX and SageStream LLC credit scores. I was denied credit because my SageStream score was way under the XXXX Score. I was given information to dispute the matter, which I did. I sent the inquiry on XX/XX/XXXX. On XX/XX/XXXX, I finally received a reply from SageStream telling me they couldn't process my request because they did not receive sufficient documentation with which to verify my identity. I submitted their dispute form from their website on XX/XX/XXXX. I was disputing my credit score of XXXX ( out of XXXX ) because of the key factors which adversely affected my credit score : Total account balances - Length of residence too short - Proportion of satisfactory trades too low - Too few satisfactory revolving accounts. To date, I have never really received a reply from them to my dispute form that was submitted. On XX/XX/XXXX, I received from SageStream a copy of my 'consumer file ', which contains information very difficult to understand. It does show my correct address as of XX/XX/XXXX .... which is really XX/XX/XXXX, but it's close. How is that 'length of residence too short '? The only credit card they list is a XXXX XXXX card I took out in XXXX, XXXX, to get the discount when I checked out. It has a XXXX balance. There is no information about my other credit cards which I have had for years .... which are used regularly and maintain a XXXX balance. There is no information about my home equity line of credit which is all I have because my mortgage is paid. There is no information about the car loan I was able to get - and subsequently pay off with a refinance for a much smaller amount financed. I called the company, and unfortunately didn't record the date or to whom I spoke, but all I was told ... .repeatedly ... .that I can dispute the information on their website. I asked about my credit score and was told I had to do that from the website but she would put in the request for me. When no score was received, I went to their website and requested it myself. To my complete amazement, my credit score with SageStream as of XX/XX/XXXX has declined to XXXX out of XXXX. The key factors that adversely affected my score in the model used are as follows : When the consumer 's SSN was issued compared with peers ; Number of inquiries ; Limited credit history ; Limited history for consumer at this phone ; Inquires did adversely impact score. According to a check this date, my XXXX  Credit score is XXXX. I'm well aware that scores will not be the same, but a discrepancy of this magnitude is ridiculous. My ability to obtain credit based on SageStream 's score is terrible. And their information is GROSSLY incomplete. I concede I have had a number of inquires because I first bought the car, then I took out the XXXX XXXX card and I have taken out an XXXX XXXX XXXX XXXX to earn the points for travel. How is it SageStream seems to have the inquiries but doesn't seem to have any of the information other than XXXX XXXX? How can they be considered a viable credit reporting agency when they have such a small percentage of the information about me? I am XXXX years old. To say I have a limited credit history is ludicrous. To say there is limited history for consumer at this phone is also ridiculous ... ... I have had this phone number since XXXX or XXXX ... .. I purchased my home with this as my primary phone. My home equity line of credit has this as my primary phone. I have purchased multiple vehicles with this as my primary phone. All of my credit cards ( I have 6 that I use regularly ) have my phone number as my primary phone. I don't want SageStream to EVER be consulted as a source for evaluating my credit, but I know I don't have any control over that. I do intend to ask what reporting agencies will be used if and when I next request credit and I will withdraw any request if they are using SageStream. But at the end of the day, if SageStream is going to evaluate me, they should have all the information about me and not the ridiculous little bit on which I am being judged.

Company response to consumer: Closed with explanation