Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint against SageStream , LLC ( a XXXX XXXX XXXX company ) for willful violations of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 615 ( a ) due to repeated inaccurate reporting, unauthorized sharing of my personal data, and failure to correct or respond to lawful disputes. 
On XX/XX/XXXX, I mailed a certified dispute packet to XXXX containing my drivers license, Social Security card, and utility bill, along with a detailed dispute letter demanding deletion of unverifiable data, inquiries, and identity mismatches. To date, SageStream has not acknowledged or corrected the information, nor provided a copy of my full file disclosure as required by FCRA 609 ( a ) ( 1 ). 
Inaccuracies and violations include : Duplicate and misspelled name variations XXXX XXXX XXXX, XXXX, XXXX XXXX, and other mis-entries that do not match my legal name XXXX XXXX XXXX XXXX 
Outdated and unverified addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and others I have not occupied in years. 
Unauthorized XXXX  inquiries from companies with no permissible purpose under FCRA 604 ( a ) ( 2 ) such as XXXX XXXX XXXX XXXX ( XXXX ), XXXX  XXXX ( multiple XXXX pulls ), XXXX, and several XXXX lenders. 
Excessive soft inquiries and promotional pulls distributed across multiple affiliates of XXXX / XXXX without consent. These appear to be part of a data-resale program, exposing my personally identifiable information to XXXX XXXX without lawful authorization. 
Failure to remove obsolete or time-barred data linked to my old profiles. Some dates in their system show overlapping records between XXXX and XXXX that were never verified or belong to another consumer. 
Identity concerns and data misuse : My Social Security number was compromised in XXXX ( data-breach notice received XX/XX/XXXX ), yet SageStream continues to store and circulate outdated information tied to that compromised record. 
Their internal systems have likely merged my file with other consumers based on similar names a direct mixed file violation under FCRA 607 ( b ). 
Despite multiple attempts to reach the XXXX & XXXX Assistance division by phone, I was redirected to automated dispute lines and never connected with a live representative. 
Ongoing harm : Because of XXXX continued reporting and data sharing, my applications for personal loans and credit cards have been delayed or denied. This has blocked me from obtaining housing and startup funding, creating measurable financial hardship. I have lost valuable time, endured emotional stress, and faced tangible setbacks in my efforts to rebuild my credit and stability. 
Prior actions and correspondence : Certified dispute package sent XX/XX/XXXX ( XXXX tracking available ). 
No acknowledgment, deletion, or reinvestigation notice received within XXXX  days as required under FCRA 611 ( a ) ( 1 ) ( A ).

No disclosure of the sources of information or recipients of consumer data as required under 609 ( a ) ( 2 ). 
SageStream and XXXX continue to share my outdated profile with XXXX lenders and data brokers.

Company response to consumer: Closed with non-monetary relief