Consumer complaint received 2022-04-02
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had an auto dealership run my credit application on XX/XX/XXXX. Inquiries for Auto and Mortgages supposedly count as one, when pulled in a 30 day period. My personal XXXX report show eight inquires, yet four on XX/XX/XXXX where for the credit application I made that day and should count as one. These reports had reported scores of XXXX and XXXX. I now see from the Adverse action letter sent by XXXX XXXX XXXX on XX/XX/XXXX, that not only XXXX ( XXXX ) but Sagestream , LLC ( a division of XXXX ) pulled my credit and their score was XXXX. SO we now have FOUR credit bureaus? I am appalled that a company with no consumer credit experience like Sagestream , LLC is now a Credit Reporting Agency. XXXX is a noted provider of services to business and insurance companies. They claim to offer Risk Solutions but their report criteria methods are flawed and inaccurate. For example, " Key Factors that adversely affected your credit score '' include " Limited history for consumer at this address and phone ''. So what. I moved to a smaller residence with no maintenance. I have only had one phone number for the past 12 years. What difference does that make? 
" Too few active accounts '' " Too many Inquiries '' What is the optimal number of accounts or inquires? Such nonsense is intentionally added to cloud a real assessment of an applicants character, capacity, collateral and credit score. Sagestream has not provided a way to access my credit report, a clear violation of The Fair Credit Reporting Act : As Stated there : You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days. 
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. 
They only offer Consumer Disclosures and other things that lead nowhere. In addition, the 97 page XXXX XXXX XXXX is so ridiculous and far-fetched it is comical. Every reason states " Insurance industry research shows that consumers with ~insert reason~ have more insurance losses ''. Such lies! I have had one traffic ticket in 40 years of driving and one not-at-fault accident and these hypothetical situations that could lead to an insurance claim rate me a higher premium? What about my driving record? This company has no business reporting anything to anyone using these flawed algorithms or whatever methodology is in vogue. Just another example how people have been de-humanized and are now only data points and " leads '' for these Credit Vultures. I want to Opt Out of this XXXX database once and for all.

Company response to consumer: Closed with explanation