Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Email : XXXX XXXX : XXXX  SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX Re : Formal Request for Investigation and Addition of Public Records UCC-1 Filing To Whom It May Concern, I am writing to formally request that Stagestream investigate and update my consumer credit report to accurately reflect a UCC-1 Financing Statement filed in my name, which I believe has been omitted in error. This public record is crucial to ensuring the accuracy and completeness of my credit file, and its inclusion is mandated under the Fair Credit Reporting Act ( FCRA ) to maintain an accurate representation of my financial obligations. 

UCC-1 Filing Information : Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collateral XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) Released XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX ( VIN : XXXX, License Plate : XXXX ) Transaction Details : Principal Amount of Loan : {$10000.00} Interest Rate : 0 % Payment Schedule : First payment of {$3300.00} due on XX/XX/XXXX Second payment of {$3300.00} due on XX/XX/XXXX Final payment of {$3300.00} due on XX/XX/XXXX Collateral : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX Default Provisions XXXX In the event of a missed payment , the Secured Party has the right to seize the collateral and accelerate the remaining balance. 

Governing Law : This transaction is governed by the California Commercial Code and the Uniform Commercial Code ( UCC ) under Article 9. 


All agreements associated with this transaction have been executed willingly by both parties in full agreement, and all relevant documents have been signed by the debtor and secured party. The signatures are visible on the attached Promissory Note, Security Agreement, and UCC-1 Financing Statement, which confirm mutual consent and legal commitment to the terms.

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that my credit report contains accurate and complete information. A UCC-1 Financing Statement is a public record that serves as evidence of a security interest, which directly impacts my creditworthiness. By omitting this information, my credit report does not reflect an accurate account of my financial obligations. 

Action Requested : I kindly request that Stagestream promptly conduct a thorough investigation and update my credit report to include the UCC-1 Financing Statement referenced above. This will ensure that the public records section of my report is complete and complies with federal regulations under the FCRA. 

Please confirm receipt of this request and notify me of the outcome of your investigation within the legally mandated time frame under the FCRA. Should you require additional documentation or information to complete your investigation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the correction. 

Sincerely, XXXX XXXX -- - Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Drivers License Proof of Address ( Bank Statement )