Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

XX/XX/XXXX received an alert notice from XXXX that my personal information was used on a credit application submitted to XXXX XXXX. I flagged the alert as a disputed item. Received notification from XXXX XXXX  that my request for credit was turned down based upon information obtained from SageStream , LLC Credit Reporting Bureau. Called XXXX XXXX  customer service 's automated line and order the specific reasons for denial. Called SageStream , LLC to inquire about company and alleged credit report data and why credit freeze and fraud alert for my identity theft were not being honored as has been reported to all three major bureaus as well as FTC. No response received from SageStream , LLC filed complaint on SageStream , LLC under another complaint. Contacted XXXX regarding identity theft issue. XXXX, XXXX calls XXXX XXXX  to inquire into identity theft issue, reported to back to me that XXXX XXXX   can't find application, closes the case of identity theft noting that a credit report was not pulled, that only an application was used and since XXXX XXXX  cant find application, that the case would be closed. Researched into California 's Secretary of State website for ownership/members of SageStream , LLC. XX/XX/XXXX filing indicates that SageStream , LLC is managed/members are ID Analytics, LLC. ID Analytics is managed/members are identified is XXXX, XXXX. So basically XXXX , XXXX is sending out identity alerts based upon applications that can't be verified ( since the bank can't find the applications ) and when reported to them, are not looking into their company ( SageStream , LLC ) as they only monitor the three major bureaus. Incidentally, these false alerts being generated by XXXX to their consumers ( Me ) create a false belief that I need to keep renewing our membership with them thinking they do something better than the typically credit freeze and fraud alert ( since they know about the application ) This feels like a complete scam. In simple terms, my belief is XXXX XXXX sees that I am applying for credit for an auto loan and sends a legitimate identity alert. Days later, its sends another alert for a commonly known bank for an application but gets rejected based upon bad information being supplied by SageStream , LLC ( aka XXXX , XXXX ). When you inquire into the identity issue, no one can find the information/application at the originating bank, so XXXX closes the identity alert/dispute case. It provides a false sense of security by leaving one to  think XXXX is doing something important and more than what you can get from just a fraud alert and credit freeze from the three majors. Looking back at history, similar alerts and concluding results were identified last year ( also around 45 days before renewal ). Since XXXX is connected to SageStream , LLC - I find this to be criminal in all respects if my hypothesis is correct. I think this needs to be reviewed in great detail as XXXX has already had past complaints of underhanded dealings and class action lawsuits right? This is absolutely ridiculous regardless of false identity alerts as XXXX should be monitoring their own alleged credit bureau in addition to the majors. 



" thinks '' I need to renew my membership based upon these criminals that have my information g application for credit is requested thru one of ththis company to monitor my credit file The filing shows that ID A