Consumer complaint received 2021-01-31
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As offered on their website, I applied for a Credit Card with XXXX XXXX  XXXX / XXXX. 
On XX/XX/2020, I received a response back, via email on XXXX XXXX letterhead stating : Your request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 
I am not deceased, I have never been deceased, I have no intention of being deceased any time soon. 
Their email states : Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. 
If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. 
If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency. SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I contacted XXXX XXXX, and was basically told that I could not speak to anyone there about my credit rejection, and that XXXX XXXX refused to contact Sagestream or anyone else to clear up the false statement in their letter that I was dead. 
A credit report was requested from Sagestream, which showed all my accounts current and did NOT show that I was dead. 

Sagestream indicates that they get information from various other sources in reporting back to XXXX XXXX, but that whatever false information they gathered, they dont keep any records of, so there is no way to find out who is reporting me as being deceased. 
-As it turns out, Sagestream is just a dummy XXXX XXXX XXXX in XXXX XXXX . 
The credit inquiry was sent, Return Receipt. 
I used the USPS system to track the letter and discovered that any correspondence does NOT go to California. Instead, the mail is forwarded to some secret place in XXXX, Georgia. 
Anyone using the XXXX return receipt system, for which you have to pay, is not allowed to know where any correspondence with Sagestream actually goes. 
-There is no telephone number for Sagestream other than a computerized service which just takes your information in a long convoluted process, the same as the online form. You are not allowed to speak any actual person. 
-There is an alleged Fax number for Sagestream , which was tried many times and the XXXX XXXX indicated the signals they were hearing on the dialup showed the machine was just turned off. 

-Sagestream also responded along with their consumer credit report : A copy of your SageStream , LLC ( 'SageStream '' ) report is enclosed. 
Please note that SageStream also. acts as a reseller of certain credit data and other information provided by XXXX XXXX XXXX , XXXX ( 'XXXX '' ) ( the XXXX XXXX '' ). 
If SageStream prepares a credit score for a client ( typically a credit grantor ), SageStream may include XXXX XXXX in such score. 
SageStreamdoes not retain the XXXX XXXX used to prepare such credit score. 

If you are interested in obtaining your XXXX consumer disclosure report, please contact XXXX and they will assist you in obtaining a copy of your credit report. XXXX XXXX Assistance XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX If you believe any information in your XXXX consumer disclosure report is incorrect, you have the right to dispute the accuracy and/or completeness of the information directly with them. 

Summary : Sagestream is indicating they are protected from any legal action resulting from denial of credit by filing false information against the credit applicant, and so is everyone else involved. 
The consumer has No rights, No one to speak to, No recourse. 
There is NO record or indication in ANY credit report from the 3 major agencies, nor any of the entities listed above that indicate that I am Deceased.

Company response to consumer: Closed with explanation