Yes, SageStream is a legitimate credit reporting agency that complies with the Fair Credit Reporting Act (FCRA). It is now a part of LexisNexis Risk Solutions. SageStream's primary role involves providing consumer reports and credit scores to various businesses, including credit card issuers, retailers, and wireless telephone service providers. Despite its legitimacy, consumers have raised concerns. Some individuals have pointed out inaccuracies in the information presented by SageStream and faced challenges when trying to rectify these errors. Moreover, a few consumers have voiced dissatisfaction regarding unanticipated fees SageStream charges for services they didn't request.