Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Subject : Ongoing Reporting of Inaccurate, Fraudulent Personal Information ; Failure to Honor Deletion Requests ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complained About : SageStream , LLC ( a XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX Complaint Summary : I am filing this complaint because SageStream and its parent company XXXX continue to report inaccurate, fraudulent, and obsolete personal data about meincluding addresses, phone numbers, and email addresses that are NOT mine. 
Despite multiple formal written deletion requests under the California Consumer Privacy Act ( CCPA ) and the Fair Credit Reporting Act ( FCRA ), these companies have failed to delete or correct this false data. 

This inaccurate information has resulted in multiple credit denials, including most recently by XXXX XXXX  for the XXXX XXXX, causing me significant, measurable economic harm. 



Detailed Description of the Problem XXXX. XXXX is reporting fraudulent and inaccurate information My XXXX file still contains : Addresses that are not mine Phone numbers that are not mine Email addresses that are not mine These items are factually incorrect, fraudulent, and have no permissible purpose to be included in my consumer file. 

XXXX. XXXX ( parent company ) is also reporting false information XXXX continues to retain and re-insert : Addresses Phone numbers Email accounts This information appears nowhere on my credit bureau reports with Experian, TransUnion, or Equifax. 
It only appears on XXXX and XXXX proving it is not verified and is being mishandled internally. 

XXXX. XXXX employees have repeatedly stated the data was deleted but it remains Specifically, XXXX XXXX and XXXX XXXX of XXXX have told me : All information has been deleted. 

This is false. 
The same inaccurate data continues to appear on my consumer file. 

This indicates : Failure to properly follow internal deletion procedures Failure to comply with CCPA deletion requirements Failure to maintain reasonable procedures to assure maximum possible accuracy ( FCRA 607 ( b ) ) 4. These inaccuracies caused economic harm Because XXXX is a risk-scoring and identity-screening bureau used heavily by banks, this false data has led directly to : Credit denial from XXXXXXXX XXXX XXXX XXXXXXXX ) Other application impediments Loss of economic opportunity Emotional distress and wasted time Repeated re-verification burdens This is actual, quantifiable financial damage caused by their misconduct.

Laws Violated FCRA Violations FCRA 607 ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy FCRA 609 failure to provide complete and accurate file disclosures FCRA 611 failure to properly reinvestigate disputes FCRA 623 ( a ) ( 1 ) ( A ) reporting information known or should-be-known to be inaccurate FCRA 605B fraudulent information NOT blocked after dispute FCRA 609 ( e ) failure to address identity-related inaccuracies California Consumer Privacy Act ( CCPA ) Violations Cal. Civ. Code 1798.105 Right to Deletion Cal. Civ. Code 1798.106 Right to Correct Inaccurate Personal Information Cal. Civ. Code 1798.110 Right to Know What Data is Held Cal. Civ. Code 1798.130 Duty to Respond within 45 Days Cal. Civ. Code 1798.150 Liability for data-handling negligence causing harm XXXX and XXXX are not exempt from XXXX as XXXX operate as data brokers, not solely as consumer reporting agencies. 



Requested CFPB Enforcement Action I request the CFPB XXXX XXXX and XXXX to : XXXX. Immediately delete ALL personal data not supplied directly by me, including but not limited to : All addresses All phone numbers All email addresses Any data elements not verified through a permissible purpose 2. Permanently block the re-insertion of deleted data ( Required under FCRA 611 ( a ) ( 5 ) ) 3. Provide a corrected and verified full consumer file disclosure from BOTH : XXXX XXXX XXXX XXXX XXXX. Conduct a lawful reinvestigation as required by the FCRA with documentation proving : Data sources Verification steps Deletion compliance Re-insertion controls 5. Provide written confirmation to me and the CFPB that : ALL inaccurate data has been removed ALL fraudulent data has been permanently blocked No undisclosed or unverifiable data sources remain No re-insertion may occur without notice as required by law XXXX. Compensate me for documented economic harm due to credit denials and identity-related inaccuracies. 



Closing Statement SageStream and XXXX have knowingly and repeatedly failed to delete inaccurate information, despite : Multiple written disputes CCPA deletion demands Direct assurances from their representatives Clear proof that the data is false Their continued mishandling of my data is causing ongoing financial damage, credit impairment, and violation of both federal and state law. 

I request immediate CFPB intervention.

Company response to consumer: Closed with explanation