Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : SageStream , LLC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Compliance with Federal and State Laws : 15 U.S. Code 1681c1, 15 U.S. Code 6802, and Texas Business and Commerce Code Chapter 20 Dear SageStream Compliance Department XXXX XXXX am writing to formally reiterate my request to opt-out of information sharing and to place a security freeze on my credit profile. This request is made in accordance with the provisions outlined in 15 U.S. Code 1681c1, 15 U.S. Code 6802, and XXXX XXXX and Commerce Code Chapter 20, which are designed to protect consumer privacy and prevent unauthorized access to personal data.

I have already provided all necessary supporting documentation, including proof of identification and residence. Below, I am outlining specific compliance expectations and actions required on your part to ensure adherence to these legal obligations.

Compliance Expectations 1. 15 U.S. Code 1681c1 Identity Theft Prevention ; Fraud Alerts and Active Duty Alerts This federal statute mandates that consumer reporting agencies implement measures to protect individuals from identity theft. Accordingly, I request : Confirmation that a security freeze has been applied to my credit profile, ensuring no unauthorized access or disclosures occur. 
Confirmation that my opt-out request for information sharing has been honored and will remain in effect permanently. 
XXXX. 15 U.S. Code 6802 Obligations with Respect to Disclosures of Personal Information Under this federal law, financial institutions are required to provide clear disclosures regarding information-sharing practices and to honor consumer opt-out requests. Please confirm : No personal information, including credit profile data, has been shared or disclosed without my explicit consent. 
Notification will be provided immediately in the event of a data breach or unauthorized access to my information. 
XXXX. XXXX XXXXXXXX and Commerce Code Chapter 20 Security Freezes and Opt-Out Provisions As outlined in XXXX law , consumers have the right to : Restrict the release of their credit reports through security freezes, which must be implemented promptly upon request. 
Opt-out of having their personal information shared with third parties. Consumer reporting agencies must honor these requests to prevent unauthorized dissemination of data. 
Violations of these provisions are subject to enforcement by the XXXX Attorney Generals Office, with penalties including civil fines of up to {$7500.00} per violation under the XXXX Data Privacy and Security Act.

Acknowledgment and Compliance Requirements To ensure full compliance, I request written acknowledgment confirming : 1. That my security freeze and opt-out request have been processed successfully.

2. That SageStream is in compliance with 15 U.S. Code 1681c1, 15 U.S. Code 6802, and XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. 
XXXX. Any additional actions SageStream has taken or will take to safeguard my personal information.

Background and Observations While there are no publicly documented violations by SageStream concerning these specific statutes, it is essential to emphasize the obligations imposed by these laws : 15 U.S. Code 1681c1 requires consumer reporting agencies to implement fraud alerts and active duty alerts upon request.

15 U.S. Code 6802 mandates clear disclosures and the ability for consumers to opt-out of information sharing with non-affiliated third parties. 
XXXX XXXX and XXXX XXXX XXXX XXXX provides consumers the right to place security freezes and restrict information sharing. 
It is crucial for SageStream to maintain compliance with these laws and to ensure transparency in how consumer information is handled.

Response Deadline Please provide this acknowledgment in writing within 15 days of receipt of this letter. Failure to comply with this request may result in escalation to regulatory authorities, including : The Federal Trade Commission ( FTC ) The XXXX XXXX XXXXXXXX XXXX Notice of Potential Non-Compliance Failure to process my request or honor my rights under the aforementioned laws constitutes a violation that may result in enforcement actions, including penalties, fines, and potential legal proceedings. 
Thank you for your immediate attention to this matter. Should you require further information or clarification, please contact me directly at the phone number or email address provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief