ID Analytics, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 902XX	Web
My Only First & Last Name : [ XXXX XXXX ] My Only Address : [ XXXX XXXX XXXX XXXX XXXX CA XXXX ] The last 4 of my [ SSN # XXXX ] My Only XXXX XX/XX/XXXX. I have asked for proof of ( XXXX ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA XXXXONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( XXXX compliance ). Provide me with the ( XXXX ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in ( Collection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099-C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX ] issue this urgent and non- negotiable Affidavit of Truth . I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX [ I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) are in blatant violation of the following XXXX codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : - ( XXXX XXXXXXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( 15 U.S. Code 1681a ( 2 ) ( 1 ) : ) -Misuse or misrepresentation of definitions and rules related to consumer reporting.- : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( 15 U.S. Code 1681 ( 3 ) ( e ) : ) -Further misuse or misrepresentation of definitions and rules related to consumer reporting.- : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( 15 U.S. Code 1681i : ) - Inadequate procedures for disputing the accuracy of my consumer reports.- : ( XXXX XXXXXXXX XXXX XXXX XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( 15 U.S. Code 1681b : ) -Unauthorized access or use of my consumer reports for impermissible purposes.- : ( XXXX XXXXXXXX XXXX ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : ) Unauthorized use or disclosure of my Social Security numbers.- : ( XXXX XXXXXXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Section 326 of the USA PATRIOT Act : ) -Failure to verify my identification by financial institutions. : ( Gramm-Leach-Bliley Act, Section 501 : ) - Failure to ensure the security and confidentiality of my personal and financial information.- : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Gramm-Leach-Bliley Act , Section 502 : ) - Unauthorized sharing of my non-public personal information with non-affiliated third parties.- : XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXXXXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Gramm-Leach-Bliley Act , Section 504 : ) - Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.- : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Remedial Actions ) : -Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns , which are non-negotiable and require your immediate attention : 1 . Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full complianceXXXX XXXX XXXXXXXX XXXX XXXX : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX ) CONTINUES TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) AND THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX : ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.- ( 15 U.S. Code 1681c- 2 ) - : Block of information Resulting from identity theft ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, - ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX Concrete F.C.U v. XXXX, XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX XXXX Hawaii XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of XXXX XXXX XXXX Shores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and XXXX v. Godbole, XXXX XXXX. App. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy : - ( XXXX XXXXXXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX. XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web
I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( DF793 ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXXXXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/2019. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 2. XXXX 3. XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Incorrect Address : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX XXXX. 12. XXXX XXXX XXXX XXXX XXXX XXXX. 13. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX XXXX XXXX
09/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
I've mention in the previous certified letters that i am a victim of identity theft, and my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems and distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX XXXX ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX XXXX ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between XXXXlaimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX XXXX. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX XXXX Incorrect erroneous Accounts : 1 ) XXXX XXXX # XXXX # XXXX 2 ) XXXX # XXXX # XXXX # XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX XXXX XXXX # XXXX Incorrect Address : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90302	Web
my name is XXXX XXXX XXXX IVE reached out to XXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX XXXX XXXX XXXX SAGESTREAM have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all XXXX major ( NCRAS ) XXXX XXXX XXXX XXXX XXXX SAGESTREAMABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX XXXX XXXXXXXX SAGESTREAMthen, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the ( US Justice Department ) about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX XXXX XXXX XXXX XXXX SAGESTREAMare in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX XXXX XXXX XXXX XXXXXXXX SAGESTREAM copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ACCOUNT NAMES ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity ( ACCOUNT NAMES ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX XXXX XXXX XXXX SAGESTREAM CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( ACCOUNT NAMES ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXXXXXX SAGESTREAM furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX SAGESTREAMinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumerreporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, orindirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX SAGESTREAMfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXX XXXXXXXX SAGESTREAM into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States inaccordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729XXXX. XXXX XXXX XXXX XXXX XXXXXXXX SAGESTREAM is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXXXXXX SAGESTREAM /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & LastName 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. ACCOUNT NAMES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92882	Web
ive been looking over my consumer report for quite some time and have been struggling with identity theft with fraudulent vehicle loans with fraudulent credit card accounts someone has been using my consumer reports and not only that, but the national credit reporting agencies have never notified me of any of this and they are in violation of the fair credit reporting act 15 US code 1681b 15, US code 1692c I request all of this information to be blocked under the fair credit reporting act 15 US code 1681C-2 there are numerous violations by the credit reporting agencies I asked for the FTC to look into this. I have filed a XXXX complaint, as well as a California, consumer protection, innovation, complaint, as well as a state attorney generals complaint here in the state of California. These are all fraudulent charges, and I want the criminals to be prosecuted to the fullest extent of the law I asked these accounts to be blocked and removed from my consumer reportXXXX XXXX XXXX CONTINUE TO VIOLATE STATE AND FEDERAL LAWS They have never shown me how theyve done any investigation, ledgers accounts, original consumer contracts from any of the negative accounts they continue to report and violate the fair credit reporting at the fair debt collection act as well as multiple state laws. I have contacted the the CALIFORNIA, consumer protection, XXXX department spoke with supervisor at XXXX Special handling at fraud department XXXX XXXX at XXXX XXXX XXXX XXXX And FRAUD SPECIALIST AT XXXX I gave them all the identifying information of who XXXX was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX XXXX XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX XXXX XXXXXXXX XXXX Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX XXXX XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev \| next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer XXXX XXXX XXXX
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77598	Web
Public record XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX file date XXXX XXXX whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. Item in question : Bankruptcy You stated that your process to verify this item was ( process/company they claimed verified item ) and on-XXXX ( I sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against the company is this bankruptcy is not deleted from my credit report IMMEDIATELY! it was not removed. Please delete this unverified information as you may have mix/merged my credit file. challenged accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed. under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These companies are reporting late payments, collections, and 30 day, 60 days,120 days payment on dates that are PPNL PAID AND NEVER LATEthere fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; they are communicating with Third parties XXXX, XXXX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : 15 U.S. Code 1681e - Compliance procedures-a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. - Proof that you are licensed to collect in my state. - Your license numbers and Registered Agent or Agent of Service. - The identity, name, and address of the original creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. they failed to do so. they also did not provide me with my XXXX tax form for the charge off i have to turn all charged off debts in on for income on XXXX in which they are claiming to have done while unlawfully still trying to collect.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90066	Web
My Only First & Last Name XXXX XXXX XXXX My Only XXXX XXXX, XXXX XXXX XXXX XXXX Ca XXXX The last 4 of mySSN # XXXX My Only XXXX XXXX I RENCENTLY LOOKED AT MY CONSUMER REPORTS AND CONTACTED XXXX XXXX XXXX XXXX XXXX AND ALL THE DEBT COLLECTORS ABOUT IDENTITY AND FRAUDULENT ACCOUNTS REPORTED ON MY CONSUMER REPORTS dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore XXXX until validated you know your information concerning this debt is inaccurate.Fraudulent ) [ ACCOUNT NAMEMOSAIC XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX under Federal law XXXX and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXfurnishing this information to my consumer report. Fraudulent ) [ ACCOUNT NAME MOSAIC XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX OPEN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PRICE {$28000.00} {$16000.00} XXXX {$43000.00} XXXX {$8000.00} ( FRAUDULENT INQURIES ) [ NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX DATA SOLUTIONS XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -Fraudulent ) [ ACCOUNT NAME MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of theFalse Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Fraudulent ) [ ACCOUNT NAME MOSAIC XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90220	Web
My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX CA XXXX The last 4 of my SSN # XXXX My Only DOB XX/XX/XXXX, ) Ive sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet XXXXXXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXXXXXX XXXX XXXX XXXXXXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX XXXX ], issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX XXXX ]. I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.-XXXXXXXX XXXX acctXXXX dateXXXX amount XXXX XXXX XXXX XXXX acctXXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ) - ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.XXXX XXXX acctXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX acctXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount $ XXXX # XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reportingXXXX XXXX acctXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX acctXXXX dateXXXX amount XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX amount $ XXXX # XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Code XXXX ( XXXX ) ( XXXX XXXX : Further misuse or misrepresentation of definitions and rules related to consumer reporting.XXXX XXXX acctXXXXXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX acctXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount $ XXXX # XXXX dateXXXX amount XXXX XXXX XXXX acct # XXXX dateXXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reportsXXXX XXXX acctXXXX dateXXXX amount XXXX XXXX XXXX XXXX acctXXXX dateXXXX amount XXXXXXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX amount $ XXXX # XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.XXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers.XXXX XXXX XXXXXXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX amount $ XXXX # XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount $ XXXX # XXXX XXXX amount XXXX ) XXXX XXXX acct # XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.XXXX XXXXXXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount XXXX XXXX # XXXX XXXX amount XXXX XXXX XXXX acct # XXXX XXXX amount XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.XXXX XXXX XXXXXXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount $ XXXX # XXXX XXXX amount XXXX XXXX XXXX acct XXXX XXXX XXXX amount XXXX ) ( XXXX Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Gramm-Leach-Bliley Act, Section XXXX04 : Non-compliance with federal regulations designed to enforce the act , thereby putting my personal and financial information at risk.XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX amount XXXX XXXX # XXXX XXXX amount XXXX XXXX XXXX acct XXXX XXXX XXXX amount XXXX ) ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX .. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX XXXX XXXX XXXX SAGESTREAMCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX XXXX XXXX XXXXfurnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXX XXXX XXXX XXXX XXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web
I have contacted this company through certified letters in XXXX of 2019. I have also contacted them on the phone and through mail. I haven't receive anything showing me a dispute or anything in that nature. By law i was suppose to receive something as early as 30 days after the first letter was sent in XXXX of 2019. I am sending this letter as of my final attempt to fairly allow you to do your job and kindly remove the errors that are reporting on my credit report. I've mentioned that i am a victim of identity theft. My information was also leaked in several breaches over the years but a recent one a few weeks in XXXX of 2019. Since it comes to my attention that you aren't responding maybe we should settle in court, which will work for me and i won't be wasting my time. I complied the evidence and paper work during the time when i sent in my letters and more. This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/2019 ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim XXXX XXXX the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim XXXX XXXX 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX Bank, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XXXX day of XXXX, 2019. By : XXXX ERRONEOUS/IDENTITY THEFT/ : XXXX - SAGESTREAM - XXXX XXXX 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. DEPT OF ED/XXXX # XXXX XXXX. 5. XXXX XXXX # XXXX 6. DEPT OF ED/XXXX # XXXX 7. DEPT OF ED/XXXX # XXXX 8. DEPT OF ED/XXXX # XXXX 9. DEPT OF ED/XXXX # XXXX 10. DEPT OF ED/XXXX # XXXX 11. DEPT OF ED/XXXX # XXXX 12. DEPT OF ED/XXXX # XXXX 13. INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90220	Web
I have contacted all of the debt collectors that are here in this complaint, including XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX say stream factor, trust and clarity I have sent over XXXX complaints FTC complaints, affidavit of truth, California state, Attorney General complaint, as well as the California, consumer protection and innovation complaint these accounts that are on my consumer report are result of identity theft I repeat identity theft. I have struggled so many times I have legal documentation and in which way Ive had to go to the DMV to change my drivers license number multiple times because of this. Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) Thomas Kennedy McCormick Case Number 2018R02475 Court Docket Number 18-CR-00359 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under ( 15 US code 1692e- ( 15, US code 1692G ) 15 US code 1681B and ( 15 US code 1681C- 2 ) theyve received the paperwork from the US Justice Department about the fraudulent accounts . The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt Experian/Transunion/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft 15 US CODE 1681 C-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev \| next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33139	Web
My Only First & Last Name XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The last 4 of my SSN # XXXX My Only DOB XXXX RENCENTLY LOOKED AT MY CONSUMER REPORTS AND CONTACTED XXXX XXXX XXXX SAGE STREAM AND ALL THE DEBT COLLECTORS ABOUT IDENTITY theft AND FRAUDULENT ACCOUNTS REPORTED ON MY CONSUMER REPORTS Ive sent papers work and complaints from the US Justice Department XXXX FLORIDA STATE ATTORNEY GENERAL FTC COMPLAINT ALONG WITH CEASE AND DESISTS ORDERS AND AFFIDAVITS OF THRUTH SIGN AND NOTORIZED TO ( XXXX ) ( XXXX ) XXXX ) ( XXXX ) XXXX AND SAGESTREAM XXXXXXXX XXXX XXXX XXXXXXXX I have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt CollectionPractices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. ( fraudulent accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXXfurnishing this information to my consumer report.fraudulent accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/into theFTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher ofinformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted froman alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX SAGESTREAM XXXX ( fraudulent accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reportingagencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip My Only First & Last Name XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The last 4 of my SSN # XXXX My Only DOB XX/XX/XXXX -Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. DELETE ALL FRAUDULENT INFORMATION BELOW- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
Per 15 usc 1681m C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for no- tices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. I do not have to have any addresses on file or email. I DO NOT WANT ANY ADDRESS ON FILE THESE ADDRESSES ARE NON MAILABLE. SageStream is also allowing XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX to view my credit report numerous times from XXXX. SageStream is in violation of my rights Per the Privacy Act of 1974 and 12 CFR 1022.41 and 15 USC 6802-6805 Opt-out 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state :
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92801	Web
Hello to whom all this may concern My Only First & Last Name XXXXXXXX XXXX XXXX XXXXXXXX My Only Address XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX The last 4 of my SSN # XXXX My Only XXXXUnder penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. I have reached out to all three at the national credit reporting agencies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIve sent paper work and complaints from the US Justice Department ( XXXX XXXX ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT XXXX CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXXXXXX XXXX XXXX -XXXX SAGESTREAM and the creditors/ ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are IILEGALLY REPORTING FRAUDULENT collections/Charge-Offs, late payments/other derogatory information in my consumer reports, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.-XXXX XXXX XXXX XXXXXXXX SAGESTREAM ( 15USC 1681 a ( d\ ( XXXX ] ( XXXX ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. I allege that XXXX, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev \| next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXSAGESTREAM /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev \| next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( Fraudulent Accounts ) Inquiries Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33139	Web
I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, BBB complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX XXXXXXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you EXPERIAN/ XXXX XXXX DATA SOLUTIONS XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an XXXX XXXX XXXX with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35235	Web
This complaint is against XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| IXXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al and the Presidents/CEO/Acting CEO/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al. We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| IXXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al and acting CEO/Presidents, et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from XXXX, XXXX XXXX XXXX XXXX, et al, which means they are in direct violation of 15 USC 1692 G ( a ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with XXXX XXXX XXXX XXXX et al XXXX XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH XXXX XXXX XXXX XXXXXXXX et al \| XXXX XXXXXXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al, or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do i want to contract XXXX XXXX XXXX XXXXXXXX et al \| XXXX XXXXXXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al. We are not a consumer of XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al and never was. We are not a customer nor patron XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al and never was, and XXXX XXXX XXXX XXXXXXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al nor have we ever been. We do not want to enter in to any binding contracts, agreements, or consents with XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al. We never consented nor gave express permission in any form to XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al offers to contract. We DO NOT consent to ANY non-affiliated third-party ( XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day. Due to the nature of these multiple illegal and unlawful violations against us, XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| IXXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al, we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION. XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al has harmed us. XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to even communicate with XXXX XXXXXXXX XXXX XXXX et al XXXX XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX XXXXXXXX et al, XXXX XXXX et al. BE IT KNOWN NOW AND FOREVER, this is NOTICE TO XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| IXXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| IXXXX XXXX XXXX et al \| XXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al obtained/PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. XXXX XXXX XXXX XXXX et al \| XXXX XXXX et al \| XXXX et al \| XXXX XXXX XXXX et al \| LXXXX XXXX XXXX et al \| XXXX, XXXX et al, XXXX XXXX et al shall also know that in the XXXXWYLA BOATLY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY. This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23434	Web
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, VA XXXX Cell # ( XXXX ) XXXX XX/XX/XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : Over the last several weeks, I have been repeatedly disputing inaccuracies on my SAGESTREAM credit report to no avail. I was informed that there are STILL negative and fraudulent items such as inaccurate bankruptcies ( the US BANKRUPTCY COURT MD XXXX ) in the files that your company maintains under my Social Security number. Upon ordering a copy of my credit report, I see two entries from this court listing with Reference # XXXX filed on XX/XX/XXXX and, with Reference # XXXX filed on XX/XX/XXXX, both cases are listed as DIMISSED and new discharged. Apparently, not only were these cases never discharged, but evidentially they were dismissed. My evil and very vengeful ex-husband, XXXX XXXX, who resided at XXXX XXXX XXXX, XXXX, MD XXXX apparently was the one whom fraudulently filed for bankruptcy in both his and, my name out of spite and contempt for me. Therefore, I am assuming the two cases were dismissed because he couldnt manifest my physical presence to appear in court, nor could he furnish my state issued identification. To my own detriment, Ive requested several times that SAGESTREAM please verify under FCRA 611 ( a ) ( 7 ) and validate this information with the court and provide me with copies of any such documentation associated with this accountgranting your company authorization to report this inaccurate and fraudulent information, bearing my signature. In the total absence of any such documentation bearing my signature, but SAGESTREAM hasnt not complied with my request. Additionally, no other names, but XXXX XXXX XXXX should be on my report. No other address other than XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX should be on my account. Therefore, I DEMAND that this information be immediately deleted from the credit file SAGESTREAM maintains under my Social Security number per : SAGESTREAM is currently in violation of the following FCRA and FTC laws : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed permission through written instructions. 15 U.S.C. 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt may not communicate with a consumer in connection with the collection of any debt. 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.. ( 1 ) In general.. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 yeSageStream. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. *****NOTICE OF INTENT TO FILE FEDERAL CHARGES AGAINST SAGESTREAM WITHIN THE NEXT 10 DAYS ( XX/XX/XXXX ) **** Creditors and second tier reporting agencies give primary reporting agencies inaccurate financial information about consumers, and in some cases, completely mixing up one person 's information with another 's because of similar ( or same ) name or social security number. SAGESTREAM has flagrantly failed to follow the FCRA guidelines for handling disputes. Consequently, I have recently been declined credit cards, business loans etc. that have cause me both immeasurable financial and punitive damages. Each Violation under the FCRA ACT is an automatic fine of {$1000.00}. Therefore, I am fining you {$1000.00} for each violation and payment should be remitted to me within thirty calendar days from todays date. Additionally, if any of these negative, aforementioned items reappear on my report in the future- you will be penalized {$1000.00} per item AGAIN. 15 U.S.C. 1681 Section 602 A. = {$1000.00} 15 U.S.C. 1681 Section 604 A Section 2 = {$1000.00} 15 U.S. Code 1681s2 = {$1000.00} 18 U.S. Code 1028A = {$1000.00} 15 U.S.C. 1681e = {$1000.00} Total due = {$5000.00} USD Remit to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VIRGINIA XXXX Lastly, if you dont comply in a timely manner, I will have no choice but to further escalate this matter above and beyond filing suit in federal court by way of contacting all channels of media. Best Regards, XXXX XXXX XXXX
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23434	Web
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Cell # ( XXXX ) XXXX XX/XX/XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : Over the last several weeks, I have been repeatedly disputing inaccuracies on my SAGESTREAM credit report to no avail. I was informed that there are STILL negative and fraudulent items such as inaccurate bankruptcies ( the US BANKRUPTCY COURT MD XXXX ) in the files that your company maintains under my Social Security number. Upon ordering a copy of my credit report, I see two entries from this court listing with Reference # XXXX filed on XX/XX/XXXX and, with Reference # XXXX filed on XX/XX/XXXX, both cases are listed as DIMISSED and new discharged. Apparently, not only were these cases never discharged, but evidentially they were dismissed. My evil and very vengeful ex-husband, XXXX XXXX, who resided at XXXX XXXX XXXX, XXXX, MD XXXX apparently was the one whom fraudulently filed for bankruptcy in both his and, my name out of spite and contempt for me. Therefore, I am assuming the two cases were dismissed because he couldnt manifest my physical presence to appear in court, nor could he furnish my state issued identification. To my own detriment, Ive requested several times that SAGESTREAM please verify under FCRA 611 ( a ) ( 7 ) and validate this information with the court and provide me with copies of any such documentation associated with this accountgranting your company authorization to report this inaccurate and fraudulent information, bearing my signature. In the total absence of any such documentation bearing my signature, but SAGESTREAM hasnt not complied with my request. Additionally, no other names, but XXXX XXXX XXXX should be on my report. No other address other than XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX should be on my account. Therefore, I DEMAND that this information be immediately deleted from the credit file SAGESTREAM maintains under my Social Security number per : SAGESTREAM is currently in violation of the following FCRA and FTC laws : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed permission through written instructions. 15 U.S.C. 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt may not communicate with a consumer in connection with the collection of any debt. 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.. ( 1 ) In general.. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 yeSageStream. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. *****NOTICE OF INTENT TO FILE FEDERAL CHARGES AGAINST XXXX WITHIN THE NEXT 10 DAYS ( XX/XX/XXXX ) **** Creditors and second tier reporting agencies give primary reporting agencies inaccurate financial information about consumers, and in some cases, completely mixing up one person 's information with another 's because of similar ( or same ) name or social security number. SAGESTREAM has flagrantly failed to follow the FCRA guidelines for handling disputes. Consequently, I have recently been declined credit cards, business loans etc. that have cause me both immeasurable financial and punitive damages. Each Violation under the FCRA ACT is an automatic fine of {$1000.00}. Therefore, I am fining you {$1000.00} for each violation and payment should be remitted to me within thirty calendar days from todays date. Additionally, if any of these negative, aforementioned items reappear on my report in the future- you will be penalized {$1000.00} per item AGAIN. 15 U.S.C. 1681 Section 602 A. = {$1000.00} 15 U.S.C. 1681 Section 604 A Section 2 = {$1000.00} 15 U.S. Code 1681s2 = {$1000.00} 18 U.S. Code 1028A = {$1000.00} 15 U.S.C. 1681e = {$1000.00} Total due = {$5000.00} USD Remit to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VIRGINIA XXXX Lastly, if you dont comply in a timely manner, I will have no choice but to further escalate this matter above and beyond filing suit in federal court by way of contacting all channels of media. Best Regards, XXXX XXXX XXXX
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web
To Whom it May Concern, I am writing to inform you that upon reviewing a copy of my consumer report file, I have noticed several items that are erroneous, inaccurate, and illegal. Therefore, I am requesting the description of the procedure used to validate the accuracy and completeness of these items on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies dont have the right to report anything on a consumers credit file that isnt in accordance with the written instructions of the consumer. If you cant furnish verifiable proof with my signature on it, you have committed an illegal act and according to the Fair Credit Reporting Act, 15 U.S.C. 1681a ( q ) ( 3 ), this is enabling IDENTITY THEFT. As a consumer exposed to identity theft, by law you must BLOCK this information from my file immediately once youve been notified according to 15 U.S.C. 1681c-2 within 4 days. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted. Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute. Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Therefore, this is my formal notice of intent to sue for your violations of the FCRA and I am seeking full remedy for damages. I am formally demanding {$20000.00} monetary compensation and deletion of allnegative accounts due to defamation of character and denial of credit. If my demands are not met, a civil suit will be filed in small claims court in Georgia. Here are the FCRA violations that I am seeking remedy for : -ID Theft enabling -Furnishing/Reporting inaccurate information -Old and outdated personal information -Reporting closed accounts as open/active -Illegal consumer report requests -Impermissible purpose Failure to follow debt dispute procedures -Failure to conduct reasonable investigation -Reporting missed and/or late payments wrong -Privacy Violations -Reporting old debt as new or re-aged -Reporting information from over 7 years ago -Failure to notify that consumer disputes -Duplicate accounts The following erroneous information appears on my consumer report and so I demand to see verifiable proof ( an original consumer contract with my signature on it and permissible purpose for all inquiries to my consumer file ). Erroneous Personal Information Please DELETE these INACCURATE names, addresses, phone numbers, and employers from my personal information in my consumer file and UPDATE with the correct information. Name : XXXX XXXX Name : XXXX XXXX Name : XXXX, XXXX Name : XXXX, XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : Employer : XXXX Employer : XXXX Employer : XXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Employer XXXX XXXX XXXX Phone Number : Please DELETE ALL numbers in my consumer files BESIDES XXXX XXXX XXXX My CORRECT and ONLY personal information is STRICTLY as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX Inquiries Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature. XXXX XXXX XXXXXXXX Medical Collections are NOT supposed to be on consumer reports as of XX/XX/XXXX. This account is past the statute of limitations for debt collection in GA. XXXX XXXX XXXXXXXX Medical Collections are NOT supposed to be on consumer reports as of XX/XX/XXXX. This account is past the statute of limitations for debt collection in GA. Late Payments Please UPDATE the following accounts from my consumer file as I don't have any late payments unless you can furnish a detailed ledger of late payments for this closed account. If this account can't be verified with original signature it must be deleted. XXXX XXXX XXXX I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only God knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the black web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately. In XXXX and XXXX, the Big 3 CRAs stopped reporting public records and tax liens as part of three nationwide class action settlements. As a result, XXXX has decided to take advantage of the major consumer reporting agencies decision to stop selling XXXX data by marketing and selling its public record data in its own consumer reports. Up until now, XXXX uses automated procedures and vendors to collect information regarding judgments and tax liens that undergo little to no quality control, and such information is not adequately updated nor correct. XXXX continues to disregard inadequate procedures despite consumer disputes, and instead of rectifying it, they rely on consumers to clean up their own files via the dispute process after learning of any inaccuracy rather than ensuring that the data it was collecting was accurate in the first place. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted. Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute. Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Therefore, this is my formal notice of intent to sue for your violations of the FCRA and I am seeking full remedy for damages. I am formally demanding {$20000.00} monetary compensation and deletion of allnegative accounts due to defamation of character and denial of credit. If my demands are not met, a civil suit will be filed in small claims court in Georgia Magistrate Court. Here are the FCRA violations that I am seeking remedy for : -ID Theft enabling -Furnishing/Reporting inaccurate information -Old and outdated personal information -Reporting closed accounts as open/active -Illegal consumer report requests -Impermissible purpose -Failure to follow debt dispute procedures -Failure to conduct reasonable investigation -Reporting missed and/or late payments wrong -Privacy Violations -Reporting old debt as new or re-aged -Reporting information from over 7 years ago -Failure to notify that consumer disputes -Duplicate accounts Please DELETE the following public records from my consumer file unless you can furnish proof from the county clerk office with full name, title, phone number, and signature on original court document with court seal. XXXX XXXX XXXX XXXX XXXX XXXX File # XXXX Record State : XXXX XXXX : XXXX Plaintiff Information : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Filing Date : XX/XX/XXXX I contacted the XXXX XXXX Clerk office in the State of Georgia and was informed that clerks and any court officials at the Magistrate or Municipal Court DO NOT provide, parrot, nor verify any information to third party consumer reporting agencies nor data furnishers such as XXXX. Therefore, XXXX can not verify the accuracy of any public records that it has on a consumers file and items must be deleted immediately. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
To Whom it May Concern, I am writing to inform you that upon reviewing a copy of my consumer report file, I have noticed several items that are erroneous, inaccurate, and illegal. Therefore, I am requesting the description of the procedure used to validate the accuracy and completeness of these items on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies dont have the right to report anything on a consumers credit file that isnt in accordance with the written instructions of the consumer. If you cant furnish verifiable proof with my signature on it, you have committed an illegal act and according to the Fair Credit Reporting Act, 15 U.S.C. 1681a ( q ) ( 3 ), this is IDENTITY THEFT. As a victim of identity theft, by law you must BLOCK this information from my file immediately once youve been notified according to 15 U.S.C. 1681c-2 within 4 days. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted. Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute. Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Therefore, this is my formal notice of intent to sue for your violations of the FCRA and I am seeking full remedy for damages. I am formally demanding {$20000.00} monetary compensation and deletion of all negative accounts due to defamation of character and denial of credit. If my demands are not met, a civil suit will be filed in small claims court in XXXX XXXX XXXX XXXX. Here are the FCRA violations that I am seeking remedy for : ID Theft Furnishing/Reporting inaccurate information -Old and outdated personal information -Reporting closed accounts as open/active Illegal consumer report requests -Impermissible purpose Failure to follow debt dispute procedures -Failure to conduct reasonable investigation Reporting missed and/or late payments wrong Privacy Violations Reporting old debt as new or re-aged Reporting information from over 7 years ago Failure to notify that consumer disputes Duplicate accounts The following erroneous information appears on my consumer report and so I demand to see verifiable proof ( an original consumer contract with my signature on it and permissible purpose for all inquiries to my consumer file ). Erroneous Personal Information Please DELETE these INACCURATE addresses, phone numbers, and employers from my personal information in my consumer file and UPDATE with the correct information. Address : XXXX XXXX XXXX XXXX, GA XXXX Address : XXXX XXXX XXXX XXXX, XXXX GA XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA Address : XXXX XXXX XXXX XXXX, GA XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXX Employer : XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX My CORRECT and ONLY personal information is STRICTLY as follows : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PHONE NUMBER XXXX XXXX XXXX Inquiries Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30060	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( or ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXX Credit Report Confirmation : XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact Number : ( XXXX ) XXXX Dear : XXXX, XXXX and XXXX & XXXX XXXX I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor XXXX XXXX There are a number of discrepancies with this fraudulent account for example the account type shown is reported to be an auto loan and also reporting as a repossession, account # XXXX in the amount of XXXX with an original balance of XXXX. This account also displays a XXXX month payment history, this account is not only reporting transactions from XXXX of XXXX XXXX XX/XX/XXXX. According to my credit report, this account has different dates of last activity as well : XXXX reports no date, no activity and no account exist, XXXX reports no date, no activity and no account exist, meanwhile XXXX last status update was on XX/XX/XXXX. Today is XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act, according to the FCRA, I have the right to an accurate credit report. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. FCRA Fair Credit Reporting Act also states Transactions and experiences are not supposed to be on my consumer report. The law states that a consumer has the right to opt out of having their information reported stated in 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) under the exclusions that a consumer transaction or expreniece are not included on the consumer report. As provided in paragraph 3 the term consumer report does not include reports containing information solely to transactions highlighted on my credit report history. Between i, XXXX XXXX XXXX and you XXXX XXXX account # XXXX is excluded from the consumer report, please delete this transaction from my consumer report as well please. In addition you have reported a transaction on these days too : XX/XX/XXXX to XX/XX/XXXX and a repossession from XX/XX/XXXX to XX/XX/XXXX with the account type as a auto loan. Also, may you please look into the Date of last active, this is also stating that the vehicle has been repossessed, XXXX Loan and late payments are reported onto my XXXX report. Please remove these Transnational experiences and report accurate information. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection Furthermore, I believe that the furnisher of this information from XXXX XXXX and you as the credit bureau XXXX XXXX an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this XXXX XXXX XXXX account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
08/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 618XX	Web	Older American
In XXXX, XXXX, I purchased a car. Credit inquiries went out to finance the car. XXXX credit request went to XXXX XXXX which used XXXX and SageStream LLC credit scores. I was denied credit because my SageStream score was way under the XXXX Score. I was given information to dispute the matter, which I did. I sent the inquiry on XX/XX/XXXX. On XX/XX/XXXX, I finally received a reply from SageStream telling me they couldn't process my request because they did not receive sufficient documentation with which to verify my identity. I submitted their dispute form from their website on XX/XX/XXXX. I was disputing my credit score of XXXX ( out of XXXX ) because of the key factors which adversely affected my credit score : Total account balances - Length of residence too short - Proportion of satisfactory trades too low - Too few satisfactory revolving accounts. To date, I have never really received a reply from them to my dispute form that was submitted. On XX/XX/XXXX, I received from SageStream a copy of my 'consumer file ', which contains information very difficult to understand. It does show my correct address as of XX/XX/XXXX .... which is really XX/XX/XXXX, but it's close. How is that 'length of residence too short '? The only credit card they list is a XXXX XXXX card I took out in XXXX, XXXX, to get the discount when I checked out. It has a XXXX balance. There is no information about my other credit cards which I have had for years .... which are used regularly and maintain a XXXX balance. There is no information about my home equity line of credit which is all I have because my mortgage is paid. There is no information about the car loan I was able to get - and subsequently pay off with a refinance for a much smaller amount financed. I called the company, and unfortunately didn't record the date or to whom I spoke, but all I was told ... .repeatedly ... .that I can dispute the information on their website. I asked about my credit score and was told I had to do that from the website but she would put in the request for me. When no score was received, I went to their website and requested it myself. To my complete amazement, my credit score with SageStream as of XX/XX/XXXX has declined to XXXX out of XXXX. The key factors that adversely affected my score in the model used are as follows : When the consumer 's SSN was issued compared with peers ; Number of inquiries ; Limited credit history ; Limited history for consumer at this phone ; Inquires did adversely impact score. According to a check this date, my XXXX Credit score is XXXX. I'm well aware that scores will not be the same, but a discrepancy of this magnitude is ridiculous. My ability to obtain credit based on SageStream 's score is terrible. And their information is GROSSLY incomplete. I concede I have had a number of inquires because I first bought the car, then I took out the XXXX XXXX card and I have taken out an XXXX XXXX XXXX XXXX to earn the points for travel. How is it SageStream seems to have the inquiries but doesn't seem to have any of the information other than XXXX XXXX? How can they be considered a viable credit reporting agency when they have such a small percentage of the information about me? I am XXXX years old. To say I have a limited credit history is ludicrous. To say there is limited history for consumer at this phone is also ridiculous ... ... I have had this phone number since XXXX or XXXX ... .. I purchased my home with this as my primary phone. My home equity line of credit has this as my primary phone. I have purchased multiple vehicles with this as my primary phone. All of my credit cards ( I have 6 that I use regularly ) have my phone number as my primary phone. I don't want SageStream to EVER be consulted as a source for evaluating my credit, but I know I don't have any control over that. I do intend to ask what reporting agencies will be used if and when I next request credit and I will withdraw any request if they are using SageStream. But at the end of the day, if SageStream is going to evaluate me, they should have all the information about me and not the ridiculous little bit on which I am being judged.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19131	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I have submitted multiple disputes through the CFPB Portal regarding my experiences with the credit reporting agencies since 2020. However, I have not received satisfactory results, and I would like to address the response I received from the credit reporting agencies. The response claims that my disputes were not specific enough to be processed. While it is important to provide specific details when disputing information on a credit profile, it is equally important for the credit reporting agencies to thoroughly investigate and address any concerns raised by consumers. It appears that the credit reporting agencies are placing the entire burden on me to provide specific disputes, rather than taking proactive steps to investigate potential inaccuracies or incomplete information on credit reports. Moreover, the response suggests contacting the credit reporting agencies directly with specific disputes, including names and/or account numbers of the items being disputed. While this may be a valid course of action, it is important to acknowledge that many consumers may not have access to such detailed information or may not be aware of the specific items causing concern. The credit reporting agencies should adopt a more proactive approach in investigating potential inaccuracies, rather than solely relying on consumers to provide specific disputes. Additionally, the response mentions the option of mailing a current copy of the personal credit report for review, which may take up to 10 days for delivery. In today 's digital age, where information can be accessed instantly, this delay seems unnecessary and inconvenient for consumers who are seeking timely resolution to their disputes. The credit reporting agencies should consider providing digital access to credit reports, enabling consumers to review and dispute information more efficiently. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement for the credit reporting agencies to physically verify the original signed consumer contract for any and all accounts posted on a credit report. This verification is crucial to prevent fraudulent accounts from being included in credit reports. I demand to see verifiable proof, such as an original consumer contract with my signature, for the accounts that were previously disputed. Your failure to positively verify these accounts has negatively impacted my ability to obtain credit. According to the FCRA, unverified accounts must be removed, and if you can not provide a copy of verifiable proof, the accounts must be removed. This is my second written request, and the unverified items listed below continue to violate Federal Law. You are obligated under the FCRA to have a copy of the original creditors ' documentation on file to verify the accuracy of this information. In the results of your first investigation, you claimed in writing that you " verified '' that these items are being " reported correctly. '' I would like to know who verified these accounts. You have not provided me with any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, which includes a consumer contract with my signature. Additionally, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified. The law is clear regarding civil liability and the available remedy for " negligent noncompliance '' ( Section 617 ) if you fail to comply. As a litigious consumer, I fully intend to pursue litigation in this matter to enforce my rights under the FCRA. In conclusion, the response from the credit reporting agencies to my dispute places an undue burden on me and lacks a proactive approach to investigating potential inaccuracies or incomplete information on credit reports. The credit reporting agencies should take more responsibility in thoroughly investigating consumer concerns and providing efficient and accessible means for dispute resolution.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	PA 19119	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SageStream , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : LETTER TO REMOVE INACCURATE INFORMATION To whom it may concern, Please accept this formal letter as request to investigate and remove inaccurate items from my consumer report which include late payments, derogatory accounts, unauthorized inquires, and inaccurate reporting closed accounts from my consumer report, I have found it has errors. It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties. According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va Mar. 18, 2011 ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, [ m ] aximum means to the greatest quantity or highest degree attainable [. ] And possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting Websters Third New International Dictionary 133, 1396, 1771 ( 1993 ) ) ; 2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681 ( b ) ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681 ( g ). 5 ) Et seq. Accordingly, I request your company provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. For your convenience, provided below are a list of accounts that need to be verified according to the FCRA standards. These listed accounts are neither my debts nor my authorized inquires. Please correct this by removal of these items from my consumer report. See. Exhibit A. & B. Upon competition of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I understand your company will need some sort of verification to prove my identity. My information is clearly show below. Also included in this letter are a copy of my Drivers License & Social Security Card. NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent this letter via certified mail to ensure this matter is resolved within the ( 30 ) day window so as to avoid any violation of the FCRA. Finally, please send me a copy of the changed consumer report at the earliest. Thank you for your assistance with this matter. Sincerely, XXXX XXXX XXXX XXXX.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXX A XXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX NY XXXX '' * " XXXX XXXX XXXX AV XXXX, XXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Balance : {$6800.00} ; Opened : XX/XX/XXXX. Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. * XXXX XXXX ( XXXX ) : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4500.00} or {$4500.00} ( discrepancy ). Repeated disputes have yielded no resolution, and I'm now considering legal action. * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. * XXXX XXXX : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. * XXXX XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. * XXXX XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Owed : {$13000.00} ; Opened : XX/XX/XXXX ; and Account # XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. It's worth noting that a breach detailed in an article ( XXXX XXXX XXXXXXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75218	Web	Older American, Servicemember
As offered on their website, I applied for a Credit Card with XXXX XXXX XXXX / XXXX. On XX/XX/2020, I received a response back, via email on XXXX XXXX letterhead stating : Your request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. I am not deceased, I have never been deceased, I have no intention of being deceased any time soon. Their email states : Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency. SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I contacted XXXX XXXX, and was basically told that I could not speak to anyone there about my credit rejection, and that XXXX XXXX refused to contact Sagestream or anyone else to clear up the false statement in their letter that I was dead. A credit report was requested from Sagestream, which showed all my accounts current and did NOT show that I was dead. Sagestream indicates that they get information from various other sources in reporting back to XXXX XXXX, but that whatever false information they gathered, they dont keep any records of, so there is no way to find out who is reporting me as being deceased. -As it turns out, Sagestream is just a dummy XXXX XXXX XXXX in XXXX XXXX . The credit inquiry was sent, Return Receipt. I used the USPS system to track the letter and discovered that any correspondence does NOT go to California. Instead, the mail is forwarded to some secret place in XXXX, Georgia. Anyone using the XXXX return receipt system, for which you have to pay, is not allowed to know where any correspondence with Sagestream actually goes. -There is no telephone number for Sagestream other than a computerized service which just takes your information in a long convoluted process, the same as the online form. You are not allowed to speak any actual person. -There is an alleged Fax number for Sagestream , which was tried many times and the XXXX XXXX indicated the signals they were hearing on the dialup showed the machine was just turned off. -Sagestream also responded along with their consumer credit report : A copy of your SageStream , LLC ( 'SageStream '' ) report is enclosed. Please note that SageStream also. acts as a reseller of certain credit data and other information provided by XXXX XXXX XXXX , XXXX ( 'XXXX '' ) ( the XXXX XXXX '' ). If SageStream prepares a credit score for a client ( typically a credit grantor ), SageStream may include XXXX XXXX in such score. SageStreamdoes not retain the XXXX XXXX used to prepare such credit score. If you are interested in obtaining your XXXX consumer disclosure report, please contact XXXX and they will assist you in obtaining a copy of your credit report. XXXX XXXX Assistance XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX If you believe any information in your XXXX consumer disclosure report is incorrect, you have the right to dispute the accuracy and/or completeness of the information directly with them. Summary : Sagestream is indicating they are protected from any legal action resulting from denial of credit by filing false information against the credit applicant, and so is everyone else involved. The consumer has No rights, No one to speak to, No recourse. There is NO record or indication in ANY credit report from the 3 major agencies, nor any of the entities listed above that indicate that I am Deceased.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31324	Web	Servicemember
Remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Back XXXX XXXX XXXX To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have lost faith in the banking systems due to your company reporting false and inaccurate information on my report without my consent. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft. You have no permission to furnish any information on my consumer report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my consumer report for any reason. According to 15 USC 1681 ( a ) ( 4 ) You infringed upon my right to privacy and your reporting is unfair and without impartiality. YOUR COMPANY HAS AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS. I DO NOT CONSENT TO E-OSCAR OR ANY OTHER MEANS OF AUTOMATED VERIFICATION. I DEMAND YOU PROVIDE ME WITH THE FOLLOWING. 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX Account Resolutions, and the associated account number XXXX, which is displayed twice. This collection account is reported as open with a past due balance of {$1400.00} on both accounts. However, the account is only shown on XXXX and not on XXXX or XXXX, creating a significant discrepancy between the credit bureaus. According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. This inaccurate reporting is negatively impacting my reputation, character, and ability to qualify for new credit. The discrepancies between the credit bureaus are creating an unfair and inaccurate representation of my creditworthiness. I kindly request the immediate removal of this account from my credit report and ask that you provide me with a copy of my updated credit report reflecting the removal of this account. Additionally, I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. Please be aware that this is not a request for verification or proof of my mailing address, but a formal request for validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ). I would like the debt validation to include an agreement, an original bill, and a detailed statement of procedures, if applicable. I also request a breakdown of fees, including any collection costs and medical charges, if applicable. Furthermore, I require a copy of my signature on file with the provider of services to release my medical information. Additionally, please provide a report of comparative analysis between the questionable signature and the signature recognized by the alleged signer, if applicable. Lastly, I request an affidavit signed under the Penalty of Perjury stating that your organization has not violated any provisions of the FCRA, FDCPA, and HIPAA. I will be submitting a police report regarding this fraudulent activity. Please note that the Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when receiving notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. These responsibilities include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring fraudulent debts to another party for collection. Furthermore, I believe that XXXX XXXX XXXXXXXX XXXX XXXX, as the furnisher of this information, and XXXX, as the credit bureau , are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30281	Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
07/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 304XX	Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32725	Web
I have applied for credit cards that are with XXXX XXXX XXXX, the same bank that I have a XXXX XXXX credit card account with and feel discrimination with the invalid reasons to improve my credit score by the defaming reasonings, they are : 1 ) XXXX XXXX XXXX Mastercard Credit Card, as the statement is " your request was carefully considered, however, based on " information '' in your credit report, we are unable to approve your application, as to A ) too many inquiries that are/were a " hard pull '' to decrease my credit score, B ) Number of " subprime '' finance inquiries, as this is " deceptive business practices '' from within the XXXX XXXX XXXX that goes against the XXXX XXXX XXXX and the Federal Trade Commission, C ) the " proportion of loan balances to loan amounts too " high '', as this is/was unethical, illegal, and intended to depreciate the consumer, XXXX XXXX from the illegal tactic of using the 1 % loan balance as part of " income '' when in essence is a " school based loan '' and it report loans on credit reports is illegal when in " good standing '', and 4 ) too few bankcard accounts, as the consumer themselves has the " fair and balance '' right to justify how many credit cards the consumer needs, wants for business, or personal, such as to " increase '' or " assist '' in gaining a " good standing '' within the credit cards company, instead of being " shamed '' for not having the " financial portfolio '' designed within the rarity of consumers that care, such as myself, as reference number is XXXX from XX/XX/2020. The second letter from XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Credit Card, where I frequent as a consumer shopper for my moving merchandise, since I am moving within the next couple of months, the same statement, " based on information in your credit report, we are unable to approve your application at this time for the " new '' following reason ( s ) A ) Consumer associated with too many phone changes '', as I frequently update my credit report on a monthly basis, I have disputed every phone number that " does not apply '', or is " incorrect '', or has been illegally " long standing '' within the credit bureau ( s ) and of there " negligence '' to remove the information, data breaches that have happened within XXXX Data Breach has " misinformed '' my credit report for several years as long as I have been working to " correct '' the issue to obtain " accurate '' personal information, " updated '' personal information. The other reason ( s ) are reported with the XXXX XXXX XXXX Mastercard Credit Card, as the reference number is XXXX. Furthermore, the third-party company, the " inaccurate '' company that needs to be reported to the Federal Trade Commission for " implied '' identity theft consumer issues, as well as " implied '' fraud consumer issues is " SAGESTREAM , LLC, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, at XXXX, website address is www.SAGESTREAMLLC.COM. This company may be a " fictitious '' company that already " implies, infers '' deceptive business practices with XXXX XXXX XXXX whether allowed, or not allowed, or known, or not known to the company bank just is UNACCEPTABLE TO THE CONSUMER, XXXX XXXX .All dates of letters are XX/XX/2020, XX/XX/2020. This is a Fair Credit Reporting Act violation from the three credit reporting agencies to allow " SAGESTREAM , LLC have ANY CONSUMER CREDIT REPORT, this provides " unfair '' reporting business practices by a " third party agency '' that has not been heard of to the consumer to justify any validation of accuracy within the credit reporting bureaus.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 75149	Web
I filed a complaint about this same issue earlier this month. The company submitted a canned response to my complaint, copies of which litter the internet with all the complaints they receive around the country through the XXXX and other regulatory agencies. On XX/XX/XXXX after being denied credit due to information published about me by XXXX XXXX, I faxed a request to XXXX. My requests were : 1 ) Permanently opt-out from them selling any of my data to anyone 2 ) A freeze placed on my " account ''. 3 ) A report of the data they are storing and publishing about me. On or about XX/XX/15 I received in the mail a letterhead envelope from XXXX XXXX XXXX. The envelope had never been sealed. See attached photos showing the glue on the envelope has never been wet. I apologize the photos are not the greatest, but it's kind of hard to get a good picture of glue that's never been wet. The enclosed documents had been rifled through, were out of order, were upside down, and backwards inside the envelope. Unless XXXX expects us to believe that is the way they prepare their mail, it means at least one person obtained all my personal information from the unsealed envelope. The enclosed documents were the verification that my information would not be sold to third parties and the verification that a freeze had been placed on my account, and included a PIN number should I ever need to access my information. I promply called XXXX. You can not reach them by phone. They lied to you in their response to my first complaint. They did not call back the same day. It was 3 days later they called. I was told the PIN number they sent was useless to them, that they don't use it for anything to access my account. I was offered a string of phone numbers and cities to verify my identity. I've had the same phone number for 10 years and did not recognize any of the phone numbers they listed. I was given a list of 4 cities to identify which one I had lived in ; I've lived in the area for 61 years and have lived in all 4 of the cities they named at one time or another. Ultimately, they were not INTERESTED in verifying my identity in order to make any corrections to the security breach they have created with my information. I still have not received any copy of the information they are publishing about me. Obviously, at least some, if not all, of the information is incorrect since they seem to have hundreds of phone numbers under my name. By refusing to send me a copy of the information they are storing on me, they are refusing my right to correct the erroneous data they are storing and publishing about me. The FTC needs to shut this company DOWN. Just do a XXXX search on this company, XXXX XXXX to see the horrible nightmares they are creating for consumers. The internet is littered with hundreds and hundreds of consumer complaints about this company, all in the same vein as my own complaint. It appears they are established specifically to publish erroneous and fraudulent information about consumers, which in turn enables car dealerships and would-be lenders to use the fraudulent data to charge higher interest rates on loans. At best this company is extremely negligent in handling sensitive information. I wouldn't be surprised if at some point in the future we see XXXX XXXX in the national news for selling consumer information to identity thieves and XXXX groups. They definitely do not have any respect for security of sensitive information and they definitely do not have any interest in addressing their violations of federal laws.
10/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	PA 170XX	Web
I XXXX XXXX Noticed a fraudulent judgement on my account CASE # XXXX {$500.00} CREDITOR XXXX XXXX XXXX I ( XXXX XXXX ) obtained my Public records report on line. There were Tax Liens from the County Recorder of Judgement, and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the XXXX XXXX XXXX can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The fraudulent judgement account are as followed : ( judgement number an account ) CASE # XXXX {$500.00} CREDITOR XXXX XXXX XXXX My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The XXXX XXXX XXXX needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 4 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 4 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 4 days of receipt of this complaint will result in a small claims action against XXXX XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 327XX	Web
On XX/XX/2021 I received a letter of denial for credit from XXXX XXXX. This was for a XXXX XXXX XXXX XXXX credit application. It is important to note that I maintain credit scores between 820 and 835 with both XXXX and XXXX. I work hard to maintain my credit and pay off all credit cards monthly ( except those with 0 % interest ). My issue is that the letter notes the credit was denied based on information from Sagestream LLC ( whom I had never heard of ). According to the denial letter the reason form the denial was : 1. Date of issuance of applicant 's SSN does not match date of SSN of peers - Never heard of this, not sure what it means and my SSN has not changed 2. Applicant associated with multiple phone numbers - Not sure where this came from as I have had the same home and cell phone numbers for over 15 years. 3. Distance between applicant 's address and area code of phone number - Again, not sure where this comes from as my phone number starts with XXXX area code and I have lived in the XXXX, FL near XXXX from 20 years ). The area codes in XXXX are XXXX ( original area code and XXXX new area code ). 4. Total account balances - My credit card utilization is 6 % and as mentioned previously all balances are paid month, except 0 % balances. The letter further states that they used Sagestream 's credit score of XXXX ( out of 999 ) and that in addition to the above items, " Inquiries did adversely affect the score '', where I have had only 2 inquiries in the last 3 years. The credit score system is NOT explained on their website and not sure how I could score in the 800s with every other credit reporting agency and yet score so poorly with Sagestream, this makes no sense. I attempted to reach out to Sagestream with the number provided in the letter to find out who they are and to dispute the items ( although not sure how to dispute 1,2 & 3 above ). That directed me to their website as NO ONE answers the phone and there are no options to get to a live person. I went to the website, and while it states you can dispute online, the only way to dispute, and to freeze further inquiries with them, is to either mail or fax them all of your personal information ( PPI ) and A COPY OF YOUR DRIVER 'S LICENSE to verify your identity. Not sure how my driver 's license helps them as they certainly do not have a picture of me to match up to? Other credit reporting agencies use alternative methods to confirm your identity and allow you to dispute or freeze credit without you giving up all of your personal information. It appears that Sagestream is spreading false and misleading information about myself ( and others when I did a search online ) and making it difficult to correct. The CFPB needs to investigate the use of non-credit information such as the date my SSN was issued ( which I have no control over, as I am XXXX years old and when I was young the hospital did not apply for the SSN immediately, as a child I do not remember when my parents applied for my SSN, but I know my younger brother and I have numbers that are in sequence so they must have applied for both of us at the same time ), and phone number location ( not true in my case but irrelevant in a time of portable phone numbers, for example my daughter lives in FL and has a PA area code ), in any score calculations. The company should also clearly what factors are scored. They need to MAKE SURE ALL INFORMATION IS ACCURATE before using it or publishing it.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30039	Web
Notice and correspondence. To all consumer agencies and credit Reporting companies. This is an official notice and documentation. For lawsuit preparation. XXXX XXXX and XXXX, Have been repeatedly notified of inaccurate credit reporting. For, XXXX XXXX and XXXX have been informed by declaration of facts to remove Several Negative accounts from my credit profile. Per the fair debt Collection practice act. I have several accounts that were fraudulently VERIFED. All credit reporting agencies have been contacted and notified to remove those accounts from my credit profile. All documentation has been communicated to the credit agencies without a proper response. This statement is evidence and a notice for future court proceedings also. This statement will be used in pursuit of a declaratory default judgment. In conjunction with a court filed a lawsuit, a charge to all credit Companies XXXX XXXX and XXXX of {$1000.00} per negative reported account that equals {$5000.00}. Failure to properly respond. All three agencies will be expected to respond within 10 days. An unrebutted declaration of facts is the truth in Commerce. To whom it may concern : Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act. The attached statement shows and concludes that all 3-credit bureaus Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all three credit companies in conjunction. Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notified all Noted creditors. To cease reporting and has opted out of credit reporting for the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting in the consumer credit report. Failure to do so will lead to a lawsuit and will be used as evidence in court. This is an official notice to cease Credit reporting. On the attached and mentioned accounts This is an official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at. Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notified to continue to report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. Be Advised to check Code 15 USC 1681b. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent & credit bureau, then I will be compelled to take legal steps against you for the below mentioned reasons : Accounts in question ( Requested information ) REMOVE THE FOLLOWING ACCOUNTS DUE TO FRAUD
05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 773XX	Web
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
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish my private information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied or otherwise is hereby revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. You are hereby put on notice that I am opting out of your reporting services! Additionally you are hereby put on notice that I elect to invoke my rights under the Copyright Act of 1790, the Title is copyrighted and held in trust, any and all unauthorized use will follow with an invoice for copyright infringement.
04/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33626	Web	Older American
I had an auto dealership run my credit application on XX/XX/XXXX. Inquiries for Auto and Mortgages supposedly count as one, when pulled in a 30 day period. My personal XXXX report show eight inquires, yet four on XX/XX/XXXX where for the credit application I made that day and should count as one. These reports had reported scores of XXXX and XXXX. I now see from the Adverse action letter sent by XXXX XXXX XXXX on XX/XX/XXXX, that not only XXXX ( XXXX ) but Sagestream , LLC ( a division of XXXX ) pulled my credit and their score was XXXX. SO we now have FOUR credit bureaus? I am appalled that a company with no consumer credit experience like Sagestream , LLC is now a Credit Reporting Agency. XXXX is a noted provider of services to business and insurance companies. They claim to offer Risk Solutions but their report criteria methods are flawed and inaccurate. For example, " Key Factors that adversely affected your credit score '' include " Limited history for consumer at this address and phone ''. So what. I moved to a smaller residence with no maintenance. I have only had one phone number for the past 12 years. What difference does that make? " Too few active accounts '' " Too many Inquiries '' What is the optimal number of accounts or inquires? Such nonsense is intentionally added to cloud a real assessment of an applicants character, capacity, collateral and credit score. Sagestream has not provided a way to access my credit report, a clear violation of The Fair Credit Reporting Act : As Stated there : You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. They only offer Consumer Disclosures and other things that lead nowhere. In addition, the 97 page XXXX XXXX XXXX is so ridiculous and far-fetched it is comical. Every reason states " Insurance industry research shows that consumers with ~insert reason~ have more insurance losses ''. Such lies! I have had one traffic ticket in 40 years of driving and one not-at-fault accident and these hypothetical situations that could lead to an insurance claim rate me a higher premium? What about my driving record? This company has no business reporting anything to anyone using these flawed algorithms or whatever methodology is in vogue. Just another example how people have been de-humanized and are now only data points and " leads '' for these Credit Vultures. I want to Opt Out of this XXXX database once and for all.
03/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43219	Web
I have been disputing these inquiries for quite some time now and it seems that at this point I am not getting anymore, unfortunately. My report consist of anywhere from 20-60 inquiries from companies just diligently, consistently and constantly running my report unauthorized. This is an inconvenience and I refuse to wait it out for 2 years for them to fall off when the credit agency can just have it removed. After this incident I will consider adding a lock on my report so it can only be pulled when I am ready to apply for credit whether it be for personal or business. Inquiries being disputed : XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Oil Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXBank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry :XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX
05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30132	Web	Servicemember
I received a letter in the mail from XXXX XXXX stating that they regret to inform me that my credit score with XXXX XXXX is too low for me to be approved for a purchase of a new vehicle. I know for a fact that my XXXX, XXXX, and XXXX scores are well within the correct range to finance a vehicle. The credit score from XXXX was a XXXX!! There is absolutely no way that any of the information that they have for me is correct since the letter stated that i have limited history for consumer at a address, too few active accounts, and too few bankcard accounts. This company then asks me to send in the following information to receive any form of services from them in regards to my credit report. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " 1. Submit a written request by secured fax at ( XXXX ) XXXX, or by mail to : XXXX , XXXX Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. Note that requesting your XXXX credit score will not hurt or otherwise impact your XXXX credit score. If you submit a written request by fax or mail, please provide the following information : Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) For security purposes, we must verify your identity. Therefore, please include the following with your written request : A legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. Your request will be processed within five ( 5 ) business days after receipt and your credit score will be sent by USPS first-class mail. If you would like to request a copy of your XXXX consumer report, please click Consumer Report for instructions. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The information that they are asking for is very private in regards to sending via Snail Mail which concerns me as well.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 337XX	Web
Hi there to whom it may concern I am realhing out too you guys to inform you all that According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not being shared which is backed by ( 15 USC 6801 ) which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of US those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent to furnish infomation. Any and all consent to XXXX, XXXX, an XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never did they inform me of my right to exercise my nondisclosure option. Not only that but 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which for a fact this is against the law, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay. I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. Yours sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33415	Web
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX/XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AZ 85705	Web
On XX/XX/20 I was talking to some XXXX XXXX XXXX representatives about switching my phone service from XXXX. They had to run a credit score check and gather other information in order to confirm that I was eligible for their promotion that they were marketing. I was eligible and signed up for a new phone service with them, paid the taxes on the phone, and got an explanation of upcoming bills. I received the phone in the mail on XX/XX/20, but due to a busy work schedule was not able to contact the XXXX XXXX XXXX representative I was assigned until the evening of XX/XX/20 about how to activate my phone. He is a new representative, so he needed to meet with his supervisor the next day for support on activating my phone. On XX/XX/20 we had been texting about the phone activation and he let me know there were some issues, but that it wasn't a big deal, he just had to contact " the tower '' and figure some things out and would let me know when my phone was activated. On XX/XX/20 the representative and his supervisor called while on the phone with the activation people, so I could verify some information. The person on the phone then tells me that I owe a {$250.00} deposit ( this was not discussed previously in the breakdown of payments or bills ). Even the representative 's supervisor who says he has been doing this three and a half years, has never heard of such a thing - that if I was to pay a deposit, it would have come up when I was originally signing up, not after I had already received the phone. They said it was because of my credit score. The representative 's supervisor and the person on the other end both escalated the situated as they weren't sure what to do and told me I would hear from them the next day. I hopped online that day and checked my credit score, which was XXXX, which is about what I expected to see, so I couldn't understand how they thought it was low and required a deposit. I checked my mail today, XX/XX/20 and have a letter from XXXX XXXX XXXX regarding my credit score from SageStream , LLC. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX www.sagestreamllc.com So, I read the letter and it stated that my credit score per SageStream was XXXX!!! I went online and found on XXXX XXXX and multiple other websites that many people with good credit scores and reports through reputable companies have then had VERY low credit scores with SageStream. I am not sure if it is just SageStream that is doing harm, or if XXXX XXXX XXXX is aware that their scores will be low, therefore allowing them to force people to pay additional fees based off of a false credit score. I can not prove XXXX XXXX XXXX 's intent, but I can very much verify that SageStream is providing companies with false credit scores that are lower than what they actually are. I was going to go on the SageStream site today to dispute this matter, but it was asking for personal information, which at this point, I am not comfortable giving to this company that I believe to be scamming people and providing fraudulent information.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web
In compliance with the Fair Credit Reporting Act 15 USC 1681 Sextion 602 states There is a need to insure that consumer reporting agencies utilize their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and XXXX XXXX the Consumer. I have the right to make sure my private information isn't shared which is stated in 15 USC 6801 claiming " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX am opting out of your reporting services. ''
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19141	Web
As stated in the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairess, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, this states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they for sure do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43613	Web
I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have the right to privacy and no said company has respected that which would further more draw the line for me to file Civil charges in such said fraudulent activity. Each document that has been recently submitted with these forms will document how many times a debt collector has harassed me daily on my mobile device constantly threatening me with civil charges that has not ever came. I have sought out to have my credit froze due to this data breach and Identity theft. Neither said companys above has actually stop reporting Alleged accurate or inaccurate information until this DISPUTE HAS BEEN FINANLIZED. I have been consistently defamed of my character with a low credit score reporting with no VALID INFORMATION being given to me. I have also been denied credit on numerous of occasisions from credit card comapnies and loan companies. I request that all information that has been deemed to be Alleged Verified be removed from my credit report unless such said party can send me the ORIGINAL DOCUMENT WITH THE WET SIGNATURE that I did business with such said companies Reported above and originally in the dispute. In conclusion, The Consumer Financial Protection Bureau and the FTC will be CCd due to your companys negligence. Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond with satisfactorily with deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 7. Defamation of Character ( per se ) 8. Negligent Enablement of Identity Fraud 9. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 10. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 11. Aggravated Identity Theft per 18USC 1028 12. Mental Anguish I hope you understand the severity of situation. Best regards,
03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34759	Web	Older American, Servicemember
FIRST : The government, for its part, misleads consumers by leading them to believe that freezing credit reports somehow provides protection of personal information. Consumers are led to believe that XXXX XXXX and XXXX XXXX are " the players '' in the credit reporting field. Even the monitoring and repair agencies only mention these three players when it comes to providing protective fee for service. Again, for its part, the government allows this to go on. Meanwhile the consumers are completely unaware that there are fly by night and splinter companies collecting and reporting life altering personal financial information. SECOND : Imposing or lifting credit freezes does absolutely no good. Evidently lenders consider " due diligence '' a XXXX XXXX exercise. They will consult with these " splinter '' companies that may or may not provide accurate or real information on the consumer. So moving to the focus of my complaint, Sage Stream LLC. They responded with a negative recommendation to our own petition for credit based on : 1-Distance between address and area code of phone 2-Limited history at this address 3-Limited history at this phone 4-Too few active accounts I have, in hand, a XXXX XXXX credit report less than one week old. It shows an unblemished record for greater than 10 years! As far as the citations from Sage Stream go, how can a phone number from central florida be too far from an address in central Florida? What does that even mean? Evidently, 5 years at our present address with a history of mortgage, auto lease, credit cards, utilities, and HOA aren't enough. It does not appear that Sage Stream LLC has any relevant credit information on myself or my wife. If they do, it's obvious that a faulty automated algorithm is being employed to mine the information in building a report. 1-Sage Stream LLC should be held accountable for the credit denial. 2-Sage Stream LLC should be investigated to determine whether or not they maintain consumer information in a manner prescribed by law. 3- Sage Stream LLC should be thoroughly investigated to determine the accuracy of the consumer information being maintained. 4-Sage Stream LLC should be thoroughly investigated to determine the validity of their computing algorithms. Sagestream , LLC XXXX XXXX of XXXX XXXX XXXX, CAXXXX Contact : XXXX XXXXTitle : Chief Executive OfficerPhone : ( XXXX ) XXXX : www.sagestreamllc.com Sector : Business ServicesCategory : Credit Reporting ServicesIndustry : Consumer Credit Reporting Bureau XXXX XXXX Name : Credit BureausXXXX XXXX Business Description Sagestream is located in XXXX XXXX, California . This organization primarily operates in the Consumer Credit Reporting Bureau business / industry within the Business Services sector. This organization has been operating for approximately 6 years. Sagestream is estimated to generate {$180000.00} in annual revenues, and employs approximately 5 people at this single location.
02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ XXXXX	Web
From Prior complaint that closed before satisfactory resolution # XXXX MY ORIGINAL COMPLAINT STATED On 2 occasions starting in XX/XX/XXXX via Sagestream Website and in XX/XX/XXXX, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In between the time of XXXX XXXX-XXXX XXXX I have left numerous voice messages in regards to the matter but still no confirmation. I SUBMITTED PROPER COPIES OF MY PHOTO ID AS WELL AS MY SS CARD. So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN The company response was not accurate, which they stated : In his complaint ( CFPB Complaint # XXXX ), Mr. XXXX stated that he has contacted SageStream , LLC ( SageStream ) multiple times to place a security freeze on his SageStream consumer file, but SageStream has not responded. We address his concerns as follows : SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors. According to our records, SageStream received an online request from Mr. XXXX for a security freeze to be placed on his consumer file ; however, the identity verification documents that MrXXXX XXXX included with his request were not legible. SageStream mailed a letter to Mr. XXXX on XX/XX/XXXX informing him of what he would need to send for his request to be processed. If Mr. XXXX has questions, he may call the SageStream Consumer Office toll-free at ( XXXX ) XXXX, Monday Friday XXXX XXXX to XXXX XXXX ( Pacific Time ) or visit our website, www.SageStreamllc.com for information. Sage stream address the online process. They did did not address the certified mail request that included proper identification such as copy of my Driver 's License and SS Card. they signed for the certified mailing # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. If included the letter of request and well as the proper copies of identification. In my letter of request I submitted. It stated that a copy of ID included a driver 's license and SS Card stapled together with the request. So therefore if if got separated from original letter it was done by the company they need to research there mail receiving procedure find my mail-in request and honor the contents I submitted along with the identification which was all I was required to do. I will submitted the proof from the US Postal Service that the physical letter of request I am speaking of did reach there offices and signed by them as being received. Sagestream failed to address this in the previous response my mail in request to the previous complaint. Sage stream just did not want to honor my request by mail, Thier continued failure to do so will lead me to escalate the matter to a proper venue that I can easily prove and win my claim if I wish to do so
02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ XXXXX	Web
From Prior complaint that closed before satisfactory resolution # XXXX, MY ORIGINAL COMPLAINT STATED On 2 occasions starting in XX/XX/XXXX via Sagestream Website and in XX/XX/XXXX, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In between the time of XX/XX/XXXX-XX/XX/XXXX I have left numerous voice messages in regards to the matter but still no confirmation. I SUBMITTED PROPER COPIES OF MY PHOTO ID AS WELL AS MY SS CARD. So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN The company response was not accurate, which they stated : In his complaint ( CFPB Complaint # XXXX ), Mr. XXXX stated that he has contacted SageStream , LLC ( SageStream ) multiple times to place a security freeze on his SageStream consumer file, but SageStream has not responded. We address his concerns as follows : SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors. According to our records, SageStream received an online request from Mr. XXXX for a security freeze to be placed on his consumer file ; however, the identity verification documents that Mr. XXXX included with his request were not legible. SageStream mailed a letter to Mr. XXXX on XX/XX/XXXX informing him of what he would need to send for his request to be processed. If Mr. XXXX has questions, he may call the SageStream Consumer Office toll-free at ( XXXX ) XXXX, Monday Friday XXXX XXXX to XXXX XXXX ( Pacific Time ) or visit our website, www.SageStreamllc.com for information. Sage stream address the online process. They did did not address the certified mail request that included proper identification such as copy of my Driver 's License and SS Card. they signed for the certified mailing # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. If included the letter of request and well as the proper copies of identification. In my letter of request I submitted. It stated that a copy of ID included a driver 's license and SS Card stapled together with the request. So therefore if if got separated from original letter it was done by the company they need to research there mail receiving procedure find my mail-in request and honor the contents I submitted along with the identification which was all I was required to do. I will submitted the proof from the US Postal Service that the physical letter of request I am speaking of did reach there offices and signed by them as being received. Sagestream failed to address this in the previous response my mail in request to the previous complaint. Sage stream just did not want to honor my request by mail, Thier continued failure to do so will lead me to escalate the matter to a proper venue that I can easily prove and win my claim if I wish to do so
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33460	Web
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 310XX	Web	Servicemember
I'm unable to get in contact with SageStream via phone call as i'm rerouted to the automatic voicemail system and properly ignored every time. Their voicemail service says that they would give me a call back within 1 business day, but i have already left 4 messages and waited 2 weeks with no reply. Another option is to contact them via " secure fax '' or by mail, but looking further on their website at ( https : //www.sagestreamllc.com/consumer-report/ ), they want a photo copy of my State ID, which is NOT required by all 3 major credit reporting agencies like XXXX, XXXX, and XXXX, including XXXX. Additionally, if anything on my State Issued ID is different than what they have on file, say a change in address, they REQUIRE further verification information of my name, address, phone number, birthday, AND social security information by sending them a copy of very sensitive personnel information. They want an actual photo copy of my Social Security card, U.S Passport ( picture page ), Alien Registration card, or my Military Identification card ( front and back ). Again, this is NOT required by the major credit reporting agencies like XXXX, XXXX, XXXX, or XXXX. Which leaves me wondering if this is a SCAM. Another way for predatory companies to siphon off even more private information, information that no one has ever asked of me before, other than State and Federal government for official use, NOT private companies. Not to mention, I don't believe it is legal to make copies of or to reproduce government issued ID of any kind ( especially social security cards and passports ) and be given to anyone period. Unless I'm wrong here, no private company should request any of this for " verification purposes ''. Something smells fishy ... Makes me want to get XXXX ... but wait ... upon further research online, this is what i found : " Sage Stream '' Credit reporting - Owned by and gets information from " ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. Basically what should be of concern to people, is the very fact that a company that sells it's product use to users by installing such software on their computer for security purposes, has the ability to use their software to read and analyze your habits, your page visits, your completed purchases, etc. This information may indeed allow mischief on their part, in order to gain new customers for their XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream, all of the above in which is owned by " XXXX XXXX ''. XXXX : XXXX YOU FRAUDS, HOW ARE YOU LEGAL??!!!!
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30043	Web
Since XX/XX/XXXX, I've sent Sagestream , LLC Personal Identifiable Information in regards to a Security Freeze and requesting a copy of my consumer report by regular postage. During this duration ( 4 weeks ), I have yet to receive a confirmation of a security freeze, PIN number or security freeze. I've attempted contacting them on XX/XX/XXXX in regards to confirming that they received my personal identifiable information and a security freeze was placed as well as sending my consumer report. Their contact number, XXXX, has given options to speak to a representative but only forwards the call to a voicemail. On XX/XX/XXXX, another attempt was made online to place a security freeze & receive a copy of my consumer report. After several attempts to contact them within 2 weeks with leaving voice messages, I receive no call, confirmation letter & PIN number if a security freeze, and no consumer report. On XX/XX/XXXX, I once again send an online request for a security freeze and consumer report. I try once again to contact Sagestream , LLC in regards to if they have received my Personal Identifiable Information & when will my security freeze confirmation and consumer report will be sent. It seems Sagestream , LLC, despite having a phone system set-up, no-one is every available at their offices. Despite calling numerous time and leaving voice messages, no one answers, calls get forwarded to voicemail, and no-one returns voice messages. Over 2 months has passed and they are harboring my Personal Identifiable Information with who knows who has possession of them. As well, I have not received my consumer report or confirmation of security freeze. Neither have I received one phone call or contact within that time confirming a freeze despite leaving voice messages several times within 7 weeks and calling during normal hours of business operation. On XX/XX/XXXX, I've decided once again to send a request via fax to Sagestream , LLC to the number stated on the site ( XXXX ) .I 've sent the fax twice containing my Personal Identifiable Information to secure a security freeze and request consumer reports information. Also, on the same day, I've sent a request for a freeze and consumer report via registered mail to their P.O. Box in XXXX XXXX, California ( XXXX. XXXX XXXX ) with USPS Priority with Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. It's been about 11 weeks since my first request, 7 weeks since my second attempt, and about one week since my last attempt ( and will be my last ) in regards to placing a security freeze and retrieving my consumer report. They have been unresponsive, uncooperative, and harboring Personal Identifiable information of consumers who wish to recieve a copy of a consumer report and/or requesting a security freeze.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37115	Web
On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Sage StreamXXXXXXXX XXXX XXXXXXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
10/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 94523	Web
Please consider this note an official complaint against XXXX , XXXX, due to their lack of transparency and the barriers they raise for customers, like me, who want to get a copy of their credit report, opt out of unsolicited offers, or place a security freeze. I hadn't heard about XXXX until today. I applied for a car loan approximately two weeks ago using company makes competition between multiple lenders possible. My credit scores with the 3 main credit reporting companies - XXXX, XXXX, and XXXX - has been between XXXX for the past 3 years or so. So I was surprised to receive a letter today, XX/XX/2018, indicating I was denied credit by one of the competing companies, XXXX, because of a score from a company I had never heard of, XXXX , XXXX. My issue is not the score itself, but the lack of transparency and barriers to getting basic information to fix an manage my credit. Upon receiving the letter, I looked up their website and attempted to obtain my credit report ( so I could assess if it was accurate ), place a security freeze ( due to the XXXX security breach ), and opt out of unsolicited offers. While all other credit reporting companies allow consumers to do this online, XXXX, does not. Instead, they required a signed letter with my photo ID, social security number, and a host of other details. I only disclose my social security number in writing once a year, when I pay my taxes. Otherwise, I avoid providing my social security number in writing to anyone, especially to companies I never engaged with or solicited services from. The request for someone to provide information in writing, especially personally identifiable information is an extreme deterrent. It certainly was and is a deterrent for me. Any randomized control trial will demonstrate that. I'm certain XXXX will claim I did not attempt to resolve my dispute with them first. But what XXXX has done is place an unreasonable burden on consumers in order to deter legitimate complaints and disputes. Moreover, the XXXX practice of requesting a photo ID, social security number, and a written, signed letter for to access what they recorded about me is absolutely backwards. XXXX does not have a right my data. I do. XXXX does not have the right to place the burden proof on me. XXXX does not have my permission to collect my information, much less disseminate it for advertising. XXXX does not have the right to burden me with fixing my credit. And XXXX does not have the right to make it burdensome for consumers to access the information they collected, or make it difficult to place security freezes. They never asked for nor did they receive my permission in writing.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08046	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX ( 1 minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent. I will not furnish you with an address because I do not have one ; as I am currently XXXX and XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX and XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card
02/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NC 27560	Web
Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through XXXX. About four weeks into the lease - on XX/XX/2020 - XXXX sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. Two scores were listed in the notice - XXXX had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX XXXX XXXX - always somewhere between XXXX-XXXX ). SageStream - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now. Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ]. Finally - when I seek out a consumer entitled report from SageStream I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded. I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from SageStream LLC and potentially XXXX to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. Best, XXXX
10/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27516	Web	Older American
This is a letter which I sent to SageStream LLC on XX/XX/2020. It summarizes the problem. SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : In XXXX, I was notified by XXXX XXXX that we were denied a XX/XX/XXXX based on a credit scoring system used by your Company Sagestream. The correspondence from XX/XX/XXXX indicated that the reasons I was denied were : Days since most recent inquiry too short Not enough mortgage experience Length of time oldest bank revolving account has been established is too short Distance between prior residences is too long This information does not match up with reality, so I tried to contact you by phone and fax, to no avail. No human being picks up the phone at your company, and your fax machine does not work either. So I snail mailed in a written complaint on the form on your website. You wrote back on XX/XX/XXXX saying that my dispute with you was unclear. I dont know what was unclear. I am disputing the accuracy of the information in my consumer file. I want to know WHERE you obtained this information and what has been used against me. I want to know WHAT information has been used. I want to know my CREDIT SCORE and how it was computed. My XXXX score is XXXX. Again, the information provided to me in XXXX letter indicates your system is provide FALSE information. I have since frozen my credit report with your company since I have not been able to resolve this with a real human being. FURTHERMORE, After I was denied credit, my husband, XXXX XXXX XXXX, XXXX, applied for a XX/XX/XXXX and XX/XX/XXXX, and he too was denied. On XX/XX/XXXX, you wrote him a letter indicating his credit score was XXXX. The reasons you cite in this letter, such as when the consumers SSN was issued compared to his peers and limited credit history do not line up with reality either. Your letter does not explain how you arrived at that score. He also is disputing the accuracy of the information in his consumer file. He wants to know WHERE you obtained this information and what has been used against me. He wants to know WHAT information has been used. He wants to know how his score was computed. Note his signature on this letter confirming that this is the information requested. My husband and I both have FICO scores over 800. We take pride in paying our bills on time and have NEVER -- I repeat NEVER -- been denied credit cards. ( Cont. on next page. ) We expect that you will respond to these requests quickly given that almost two months have gone by without an appropriate response from your company.
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NV 89014	Web	Older American
On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX and below is just some of the very positive credit information. Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. However they claimed they obtained my credit score from XXXX and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX at XXXX and dont know how to read a credit report? Then I went to XXXX to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. Ally referenced Sagestream is owned by XXXX so to drum up more business Sagestream XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe Sage is scamming to get business for XXXX and plan to file a formal complaint against them as well. Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. Please investigate this matter. Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web	Servicemember
YOU BROKE THE LAW!!! This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself. Under the FCRA 15 U.S.C1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit. According to Burden of Proof Under the Fair Credit Reporting Act, 15 U.S.C.1681e ( b ) ) requires that a credit reporting agency follow " reasonable procedures '' to ensure maximum accuracy in credit reports. It is a matter of National security when a consumer who is apart of the Country 's XXXX XXXX privacy is violated and or breached.
01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75149	Web
In late XX/XX/XXXX I was denied credit based on information obtained from XXXX , XXXX. I did not receive notice of which CRA was reporting derogatory information until the first week of XX/XX/XXXX. Since my scores with XXXX, XXXX and XXXX are all in the range of XXXX-XXXX, I was shocked to see unknown XXXX , XXXX reporting a score of XXXX. I visited the XXXX web site which offers service ONLY by mail or fax, no ability at all to access any information electronically. The website suggest to call them for immediate assistance. I did call, over 15 times. I was never able to reach any human, but was only able to leave voice mails : 15 voice mails I left, and no one ever returned my calls. Their outgoing messages provide only a circular reference to their web site. On Monday XX/XX/XXXX I faxed my information to XXXX at the fax number indicated on their web site and on the credit denial notices. I requested a freeze on my account. I requested to permanently opt-out from XXXX sharing or selling any of my data. I requested a free copy of the data they are reporting about me and included a copy of the denial letter displaying XXXX as the reason for the denial of service. On Saturday XX/XX/XXXX I received an UNSEALED envelope from XXXX XXXX. That envelope contained the notice that they have received my opt-out election. Also enclosed was notice that a freeze has been placed on my account and the PIN number required to manage the freeze. No credit report was included. Pages from the other documents were out of order, some upside down, some were folded with the back of the page facing up ; obviously, someone went through the documents during transit in the mail. Or maybe XXXX is just that incompetent and negligent to shuffle pages of documents they mail. I repeat : the envelope was UNSEALED. The letter was open, had NEVER been sealed. This means that XXXX XXXX has now shared all my sensitive personal information with anyone and everyone between XXXX XXXX CA and XXXX TX. They have shared the PIN number to manage my account. Since the credit report I requested from them was not included in the open envelope, I have to assume this means they enabled someone to steal my credit file information, social security number, date of birth, and all other sensitive personal information. As soon as I received the envelope and realized XXXX had negligently compromised security I once again tried to reach them by phone. Still no one answers their phones and no one will return my calls.
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 605XX	Web
XXXX , XXXX consumer reporting extemely low for no good reason. I ALWAYS pay my bills on time, have extensive credit, low utilization, and have never been denied credit for anything!!! I recently applied for a line of credit at XXXX 's store online, and after being initially denied, was sent a letter ( explaining my denial ). The company that provided the information was called XXXX , XXXX. I'm sorry but I have never even heard of this agency. They gave me a credit score of XXXX. This is unbelievable to me as my scores have been in the 7-800 range for many years ( with all three major agencies ). Needless to say i nearly had a heart attack when I saw my score from XXXX was XXXX. Initially I called XXXX 's to ask which credit agency gave me the score, and was informed it was XXXX. I tried to reach out to XXXX, but was transferred to generic voicemail every time. It looks like they don't even have a way to obtain my report online, and want me to fax, or mail my full information including my social security number to them just to get a copy of my " so called '' report. TERRIBLE! The 4 reasons listed on the XXXX 's denial letter were all based on XXXX report, and appear in this order : 1. Not enough debt experience. ( I am XXXX years old and have had debt experience since my teens, own a business and am a very responsible person. ( So reason # 1 is BOGUS ) 2. Number of inquiries in last 4 months. ( Again, I run a business and my name is used to back our credit lines, as well as our personal lines of credit. So obviously It's being used all the time and does not effect my other credit scores, as it rightfully shouldn't! ( So reason # 2 is BOGUS ) 3. Limited Credit History ( SEE # 1 -- Reason # 3 is BOGUS, and isn't this basically the same as # 1? ) 4. Previous inquiries adversely impacted score. ( SEE # 2 -- Reason # 4 is BOGUS, and isn't this basically same thing as # 2? ) This to me is unacceptable, and seems to be a dereliction of duty on their part! Do they look at total credit lines, utilization, what you do for a living, what the credit inquiries even are? I think not! Something should be done to get these people in check! They need to be responsible, and not able to make people look like fools. They also need to make information accessible without the need for hard copies of critical information which can be stolen and really used to destroy someone's credit. Shame on you XXXX! Please do something to make these people accountable!
06/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 327XX	Web
I am in receipt of a response letter dated XX/XX/2021 from SageStream which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint. The original letter I received from XXXX XXXX outlined the following issues with a Credit Report that they received from SageStream. 1. Date of issuance of applicant 's SSN does not match date of SSN of peers. Please inform me how to correct this information. Is SageStream aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is XXXX months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED? 2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy. 3. Distance between applicant 's address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code. 4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ). I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 480XX	Web	Servicemember
Applied for credit sale of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Initially I refused the purchase due to exceptionally high interest rate. This occurred XX/XX/2019. At the time they quoted a rate of 22 %. Received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX stating they must regretfully inform me that they were not agreeable to handling the proposed transaction due to their decision based in whole or in part on the two agencies listed. XXXX and XXXX XXXX. XXXX located at XXXX XXXX XXXX XXXX, PA XXXX with a toll free number listed as XXXX gave a credit score of XXXX with a range of XXXX to XXXX which to me seemed fairly decent. The other company whom I have never heard of XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX CA XXXX with a toll free number of XXXX gave a credit score of XXXX with a range of 1 to 999 which seemed to me to be very low in comparison to the three major reporting agencies. When I attempted to make an inquiry to XXXX. They were requesting way to much information about me such as a copy of my drivers license as well as other personal information. I refuse to provide personal information to some company Ive never heard of. Their key factors stated ; limited history for consumer at address and phone number which Ive had for over 10 years. Not enough debt experience which Ive had for 30 years plus. Too few bank card accounts which Ive maintained for 30 years plus and limited history for consumer at this phone. My complaint comes from the fact that upon checking for reviews concerning XXXX I found at least 25 reviews with all reviews stating the same thing, a low credit score from XXXX after receiving high scores from the three major credit bureaus, which generated a high interest rate. This seems like a scam from XXXX or XXXX Bank to artificially raise interest rates on unwary consumers who are applying for credit or loans. This is apparent from the fact that if I had accepted their terms at XXXX XXXX I would have gotten the credit based on a 22 % interest rate. But due to the fact that I declined them they are now saying that they denied me based of my credit worthiness. I also reviewed the XXXX and they were not a member, which to me is another red flag. Please investigate before this company can rip others off based on their methods of artificially raising interest rates.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/XXXX I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90255	Web
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! I'm hoping you can help me with fixing the address that is showing on all of my credit reports. My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. I am quite concerned to get this fixed ASAP. I have sent multiple letters to the Credit Bureaus requesting they correct my address. To date, they have NOT corrected the problem. I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... ... Immediately remove ALL addresses that do not EXACTLY MATCH this one. I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. Please also remove ANY and ALL Phone Numbers listed on my credit report. Please correct these issues Immediately. XXXX XXXX
05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 125XX	Web
I wrote to SageStream in XXXX of XXXX and received a response on XXXX of XXXX. This is an egregious violation of FCRA which requires a response within 30 days. Pursuant to the FCRA, SageStream is required under federal law to investigate and must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting a correction to the following information used to computer my score AND a description of the procedure used to determine the accuracy and completeness of the disputed information, both which are required under FCRA. SageStream wrongfully claims that there is, " Limited history for consumer at this phone ''. This information is inaccurate. I have had one and only one mobile phone number in my life. This number is XXXX, and I have had it since XX/XX/XXXX. I have had one and only one home phone number in my life. This number is XXXX, which was associated with my address prior to my date of birth. Therefore, this number has been associated with me since XX/XX/XXXX. There was a change of the phone numbers area code on XX/XX/XXXX, during which the area code changed from XXXX to XXXX. This change was done by the telephone company for all people in the area code. SageStream wrongfully claims : " Consumer associated with phone changes ''. This information is inaccurate. There has never been a change in any phone number associated with my name, other than the statutory change of area code listed above. SageStream wrongfully claims : " Distance between prior residences ''. This information is inaccurate and incomplete. I have never had another residence. The only residence I have ever had is : XXXX XXXX XXXX, XXXX, NY, XXXX. The report incompletely lists my address without the state and town listed on my consumer report. This address should be complete and consistent with the address above. Therefore, there should be no distance prior residences because I have had only one address. It is the same address and any reasonable person reading the information in the report should understand that. Moreover, SageStream has been irresponsible in their transition to ownership by XXXX and has not done their due diligence in forwarding mail from their XXXX XXXX address to XXXX.
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ 074XX	Web
On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX, NJ. I applied for financing through XXXX which they submitted to various banks. One of the banks ( XX/XX/XXXX XXXX denied my financing based on a Credit Report from Sage Stream LLC. I had never heard of this credit agency before. I always keep my credit reports frozen at the 3 main credit agencies ( XXXX XXXX and XXXX ) to protect my scores and potential identity theft. My scores at those 3 agencies are all above XXXX. My loan was quickly approved at XXXX using my XXXX score so the loan approval is not my issue. My primary concern is Sage Stream LLC. I immediately searched for Sage Stream online and found dozens of complaints similar to mine regarding Sage Stream. The following day, XX/XX/2020, I submitted an online request to receive a copy of my free credit report according to the instructions on the Sage Stream website providing all required information including a copy of my driver 's license. I requested a copy of my free Credit Report and I requested that my Credit Report be frozen with Sage Stream. As of XX/XX/2020, I have not received any reponse from Sage stream in the mail. I have also left 3 messages on their voicemail at XXXX XXXX XXXX XXXX which they claim they will callback within 48 hours ... never got a response. No one ever answers the phone and they pretend that " all operators are currently busy ''. There is no ability to email, chat or communicate in any way. It is amazing to me that a credit reporting agency is allowed to operate this way in 2020. I'm concerned that I've provided personal information to a blackhole. I want a response from this company so I know why the bank denied my financing request so I can take the next step to dispute any potential inaccuracies on my Sage Stream report. I also want my credit report frozen at Sage Stream immediately to protect my data. I hope someone at CFPB will hold this company accountable for these shady business practices. There are a couple dozen identical complaints about this company on the CFPB website under the parent company name of ID Analytics. They are also a subsidiary of XXXX. I look forward to your prompt response in resolving this matter. Thank you.
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 959XX	Web
I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. After a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. Listed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 326XX	Web	Servicemember
TODAYS DATEXXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 728XX	Web	Servicemember
In XXXX I applied for a XXXX XXXX card to receive an additional 10 % discount on an order. They said they would mail me a letter. I received the attached letter from XXXX XXXX saying I had not been approved because the consumer report stated the applicant was deceased. ( Attached Ex A ) I was not then or am I now deceased. I called Sagestream 10 times and left a voicemail requesting a copy of my report they sent to XXXX XXXX for XXXX XXXX and requested a return call to discuss this issue. I never received a phone call. I made 4 request online and the Sagestream website for the said report. The letter States I can receive a copy of the report if I request within 39 days. I never heard from Sagestream. You can not get through to a person no matter what number you push when you call the number on the letter. XXXX I received the letter attached from Sagestream without a copy of the report stating that my XXXX score was XXXX and the following : When consumers SSN was issued compared wit Limited history for consumer at this phone Limited history at this address Number of inquiries *Inquiries did adversely impact score So now I'm not deceased I have all these other issues. I am a widow on XXXX and my credits not perfect now but I've come a long way since after my husband died suddenly 4 years ago. My credit score with XXXX and XXXX is between XXXX-XXXX. I have read Sagestream does some other kind of scoring. I want a copy of the report they sent to XXXX XXXX that I requested via phone and online within the 30 day period. I want this corrected and a copy of the corrected report. I also want to opt out of anything with Sagestream , LLC. This has been a nightmare over a 10 % discount for XXXX XXXX but Sagestream didn't do due diligence on this and needs to make it right and send me the copies I hab requested. No company should have the authority to make a mistake and then just ignore it hoping it goes away and not ever sending the consumer the correct information. What if this had of been a mortgage loan? Or car loan? Please look into this and that appreciate your help in this matter. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, At XXXX XXXX
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web
So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 231XX	Web	Older American
XXXX XXXX XXXX, XXXX Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! Yes, mistakes do happen. Of broader importance is the agency ( the poorly named Sagestream ), its crony bank ( XXXX ), and the retailer ( XXXX which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. This awkward tale began with an attempted web purchase from XXXX linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from XXXX ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as Sagestream reports applicant is deceased. Well. When I received the latter I called Sagestream on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? Moving up the line, on XX/XX/XXXX, I called XXXX where I was told, repeatedly, it was not their problem, I should call Sagestream. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. Moving further up the line, I called XX/XX/XXXX XXXX/XXXX XXXX to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the XXXX credit card company. Ive actually been to the real ( rudely-called ) XXXX XXXX where manners are far better. I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA XXXXX	Web
Inaccurate information deletion request DATE : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX Dear credit reporting agency , I am susceptible to identity theft. I demand to delete any inaccurate or incorrect information such as misspellings of my name other than my legal name of XXXX XXXX as shown on my passport and following items listed below. -Remove all other addresses other than my current address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX -Remove all phone numbers other than XXXX -Remove all employers as XXXX currently unemployed -Add a fraud statement to the credit bureau as I do not recognize some of the accounts showing on my credit report. -Freeze my credit profile and send me a pin for future use to unfreeze my credit profile. These inaccurate details have adversely affected my creditworthiness and hampered my chances of acquiring new credit. I will pursue a CFPB investigation if any dispute arises. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the above items in my credit report be removed. Under the FCRA, You must notify me of the changes and forward me the updated copy of my credit report to the addresses, phone numbers, correct legal name, employer data, and possible identity theft referenced above. I have included a bank statement, a copy of my passport, and my social security card for validation. CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/XXXX. Please cease sharing my information effective immediately. I also revoke all terms of use for all websites use, complicated end-user agreements, or website cookies which are designed to remove federal and state protection for me as a consumer effective immediately. Please process this request within 30 days in writing. Sincerely, XXXX XXXX XX/XX/XXXX XXXX
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30507	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation. I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. Sincerely, XXXX XXXX XXXX
08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33470	Web
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. I recently submitted a request for investigation of an Acct Number : XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 21222	Web
I received credit denial for an auto loan from XXXX XXXX from a dealership ( XXXX XXXX XXXX XXXX [ App # : XXXX and XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Along with vehicle type, make or model and/or purpose not eligible for financing as my employment is an independent contractor for XXXX XXXX Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. XXXX and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this! SageStream , LLC is misreporting all of my information to not just auto financing, but insurance and even reporting a citation I received that I have not even gone to court for yet.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43068	Web
XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 70448	Web
On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX at the same time. I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. I have a denial letter from XXXX XXXX telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. XXXX cites SageStream / XXXX Risk Solutions Consumer XXXX as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX Uses and cites in their letter whom I have never heard of. SageStreamXXXX XXXX indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and SageStream / XXXX had XXXX security freeze on file ). These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
01/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35244	Web
I didn't authorize the below inquiries : XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Floor XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95008	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. Lesley Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs Chase Manhattan - inaccurate reporting due to intentional defamation/ no consent reporting.
05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 34772	Web
I applied for an XXXX Mastercard on XX/XX/19 and was denied credit based on information contained within my report from Sagestream , LLC. - a company I had never heard of until today. The denial reasons given were : " Consumer associated with too many phone changes, days since most recent inquiry, inquiries did adversely affect the score, limited history for consumer at this phone ''. Furthermore, the reported credit score was XXXX - nearly 300 points lower than my scores with all three major credit bureaus. I find this denial to be absurd and grossly inaccurate considering I have two other credit cards with the same bank that issues the XXXX credit card ( XXXX XXXX ) that have been in good standing for many years. When I attempted to contact this company to request a copy of my report to review the obvious inaccuracies it must contain, I could not get through to a live individual and was directed to leave a voicemail message or to submit my request via their website. Upon looking at their website, the requirements to obtain a copy of my credit report were as follows : A. Required Information Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) B. Proof of Identity Documentation For security purposes, to confirm your identity, please include with your written request : a legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. This is completely unacceptable. Consumers should be able to first of all speak with someone when calling regarding concerns about their credit report and secondly should not have to submit hard copies of any identification considering the company should already have this information on file since the information they provided was used to deny my credit application.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07052	Web
Sage Stream continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Sage Stream Has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX I didn't approve double hard Inquiry, XXXX XXXX XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web	Servicemember
I am beyond exhausted trying to work out this situation of the false reported information on my report with XXXX XXXX. I just received a letter today dated XX/XX/2018. I sent XXXX XXXX my identifications and my police report and their credit report they had specifically sent to me showing the negative account that is not relevant to me. I also sent them a affidavit from XXXX notarized which XXXX had already resolved the situation as proof to them and all requested documents by them as well in addition to my identity theft affidavit signed and notarized. I have called them and left them several messages as they do not answer their phones or can you speak to a representative unless they received your message on their recording. The item reporting on my report is not my account ; I've sent all proof which XXXX has completely ignored and used a tactic to purposely delay investigating this to have this removed off of my report. Instead they sent me a letter requesting my driver 's license because they claim they can't see it when this is the same exact copy they received when sending me my original report so this is obviously some ridiculous tactic they're using. They're also stating they need my address verification.. XXXX XXXX has my driver 's license that has the primary address on it and they also have my mailing address at my XXXX XXXX address which I noticed in my report they only have my XXXX XXXX and not my primary address which they need to include. I need my full disclosure report not a partial report.. I need my entire report. This false reporting account needs to be removed off of my report otherwise I will sue XXXX XXXX XXXX for Defamation and I will also sue for willful injury and financial injury under the FCRA SECTION 623 LAW. XXXX XXXX needs to delete and remove this account off of my report and provide me with an updated Report with my addresses on them. This fraudulent account needs to be removed off of my
06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31721	Web
There are two credit agencies I am reporting. I have tried to solve the matter with XXXX but have not gained a resolution. I have attempted to notifiy Sage Stream but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. SageStream reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. # 2 Equifax reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, XXXX, nor XXXX. How does SageStream have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32905	Web
I recently submitted a request for investigation of an Acct Number : CHILDSUPPORT XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/1976 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 454XX	Web	Servicemember
I recently applied for a car loan, and was denied due to a credit information and score provided by XXXX XXXX XXXX. This company is reporting scores on average of 100+ points below the 3 major credit reporting agencies which is resulting in my being denied for credit when my scores are medium with a good pay history on a auto loan for 2 years. First, I have never heard of this compsny and the documentation asked to provide my free credit report is basically giving them all of my personal and pertinent data. Listed below is the documentation that is asked for in order to receive my credit score : legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. I would like to know is this company approved by the CFPB as a legitimate reportjng agency? Is there a way to block this company from providing data to lenders? Thank you
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 381XX	Web
i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and sagesteam witch shares information with all the major credit reporting agencies. after filing over XXXX ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33461	Web
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 904XX	Web	Older American
I am making the following Complaints and Observations Request for Statement of What Happened : Several months ago I was denied homeowner 's insurance coverage on a personal residence I own in XXXX, Washington by XXXX and XXXX XXXX because of information contained in my insurance report, the details of which were not disclosed to me. Accordingly, I requested a copy of my insurance report from the Comprehensive Loss Underwriting Exchange ( CLUE ), serviced by XXXX, which I understand contains up to seven years of personal auto and property claims history and to which I am entitled under the Fair Credit Reporting Act. In XX/XX/2021 I received an 86-page " report '' from CLUE which contains no history of reported losses or claims or any other relevant information with which an insurer or underwriter can assess risk in issuing a policy on this property. This property was covered by homeowner 's insurance for almost thirty years during which time, to the best of my knowledge, I filed no claims involving this property. I am attaching to this complaint a copy of a letter sent to CLUE on XX/XX/XXXX which contains a more detailed explanation. Fair Resolution Question : I am seeking a full and complete report from CLUE that I may review for accuracy to determine why I am being denied insurance coverage. I have carried insurance on this property for 30 years, have no record of claims, and am unable to understand why I have been denied coverage. Without this report, to which I am entitled by law, I can not offer any corrections or assert my rights as a consumer. I asked Comprehensive Loss Underwriting Exchange on the advice of Washington State Office of the Insurance Commission. Perhaps CFPB can contact them. Perhaps they will be more forthcoming with you than they were with me. Please respond to me at this email at your earliest convenience. XXXX XXXX XXXX XXXX XXXX
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33463	Web
TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 061XX	Web
Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX because no one can keep our information safe. I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? - Who is XXXX XXXX XXXX? and why has no one heard of them? - There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. - I called XXXX XXXX XXXX and all I got was a Voice Mail box. - People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. - XXXX XXXX is tied to many of the companies online and many people have received letters from XXXX like I did. To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. Date of transaction - XX/XX/ XX/XX/XXXX
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59718	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78249	Web
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that referenced my credit score obtained for a new service through SageStreamLLC. https : //www.sagestreamllc.com/ I called XXXX XXXX XXXX and SafeStreamLLC based on the letter I received in the mall on XX/XX/XXXX. XXXX XXXX XXXX could not find the order number referenced after several calls. Unfortunately, though, one of the early calls said the letter must be correct since I recently opened an internet account. I therefore, unfortunately, called them and left my personal info ( DOB, SS, address, number, DL ) through their " automated phone system '' since there is no way to speak to a person. SageStream ( now XXXX XXXX XXXX ) company is listed on the .gov site as an actual reporting agency and is the only reason I gave them my information - https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/sage-stream/ After several phone calls with XXXX XXXX XXXX , it was determined that they have no documentation proving the letter was sent from them. Upon review online, it appears this SageStream LLC is a scam even though it listed actual XXXX XXXX XXXX numbers, and I found references this scam has been ongoing for almost XXXX years. I rushed to lock all of my credit accounts and banking accounts immediately. The next day, on XX/XX/XXXX, I received a text from number XXXX saying, " I'm XXXX. are you the XXXX XXXX instructor that XXXX referred me to? '' I believe this to be the scammers trying to validate my personal information further. There are many complaints online about this type of letter and the SageStreamLLC company, and they believe that it is a scam to steal your identity. The government is supporting this scam by saying they are a legit business.
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 10128	Web	Servicemember
I have disputed information with Sage Stream for years with no avail. Sage Stream refuses to remove fraudulent information, they knowingly list on my report. I also have proof that their credit optics score is showing a low score regardless of negative information falling of the latest report. Score dropped from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX XXXX XXXX was recently removed and regardless of negative info falling off, the score dropped. Sage Stream optics score is designed to hurt the American Consumer. They attempt to keep consumers at a low score in hopes to sell consumers " consumer credit repair products '' for a profit. Sage Stream is colluding with multi national organizations to scam consumers for credit repair when they don't need it. Consumers need protection from Sage Stream. Sage Stream refuses to remove fraudulently listed information listed on my credit report. For years, they have retained fraudulently reported information, regardless of my communications with the company. Sage stream places the onus on the creditors that report to them ; however, I have confirmed with the creditors reporting on their consumer credit report that they have requested removal, and Sage Stream has not complied. Sage Stream violates the fair credit reporting act guidelines and needs to be fined by the FTC. Furthermore, the Sagestream " optics score '' is flawed. The score goes down regardless of negative info falling off. XXXX needs to be removed as well. Also, phone number on file, I have used since XXXX, yet sage stream reporting " limited info at this phone number, '' they rate me based on phone changes which is a false narrative, lived at listed address for over ten years, I should have 0 inquiries. The score should be a perfect XXXX, regardless of their objections.
07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 34711	Web	Servicemember
This Credit Agency states that my credit score is half of what the other agency says. In order to request a copy of the report I am required to send the follow per their website : Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address Send your request to us at : Secured fax : ( XXXX ) XXXX Or Postal mail : SageStream , LLC Consumer Office XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX As I do not know who this is nor have I ever heard of them I do not feel comfortable sending that kind of information to them. In searching for answers I see several reviews that they are a scam and do this to keep your credit score low to get higher interest rates. There needs to be a better way to get the information they are reporting with out giving them everything to steal my identity. Also if they are a credible resource then the public should be made aware. Also, a key factor that adversely affected my score was listed as : Distance between address and area code of phone. That is just ridiculous. Why would that effect my score?
01/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30127	Web	Servicemember
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.
03/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89107	Web
XXXX XXXX, a supposed " credit reporting agency '' now being used by MANY real lenders, even though XXXX is providing FALSE information, and EXTREMELY LOW credit scores on me and THOUSANDS of other people, that do NOT follow FICO guidelines and they are most often than not, inaccurate reasoning as well! There are complaints everywhere including XXXX, XXXX, XXXX and others. XXXX is NOT one of the three major credit reporting agencies and are NOT providing a legitimate " FICO '' score, yet companies are using them to deny credit or only offer much higher interest rates which is unfair and against the law. I was denied credit based on XXXX 's report. They also do NOT allow us to obtain a copy of our report or score without mailing or faxing NUMEROUS personal documents, which is extremely UNSAFE and unfair of them, and I will NOT mail those documents which could then be used against me or sold to identity thieves! The 3 major agencies all allow online access to this information safely. This company XXXX XXXX, their name alone using XXXX shows they are a shady company that should NOT have access to all our personal information, needs to be shut down and charged with fraud at the very least! Limited Liability name or not, they MUST be held liable for their detrimental actions on THOUSANDS and THOUSANDS of American citizens!!! There should ONLY be the three MAJOR reporting agencies that are monitored and follow the LAW!! This company should NOT have access to our private personal information!!! Please stop this company from destroying so many people 's credit lives!! People all over the country are being overcharged interest rates or being denied credit they rightfully deserve, like I was denied!! PLEASE shut this scam company down and arrest the individuals responsible!!!
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
10/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 193XX	Web
SAGESTREAM has assumed a vital role in assembling and evaluating my consumer credit report which has led to several adverse actions. SAGESTREAM is in violation of my right to privacy in accordance with 15 U.S.Code 1692 ( a ). SAGESTREAM is in violation of 16 CFR Part 603.2 ( a ) by using my personal identifying information without my authority. SAGESTREAM is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my expressed written consent, they have violated my rights and have committed fraud under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Notice, it is a fact, SAGESTREAM is in violation of 15 U.S.C. 1681 ( b ) under Permissible Purpose, which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I hereby demand under written instructions, that SAGESTREAM perform the following : Consumers direction, SAGESTREAM 'S direct affiliation with the furnishing my personal identification information without my written consent or, giving me the opportunity to opt-out of such information being furnished to conspire to injure or oppress my free exercise or enjoyment of any right, ( denying me of my personal, family, living, and household expenses ) is in direct violation of 18 U.S. Code 241 Conspiracy against rights.
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33351	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX To whom it may concern, Re : Filing a complaint against Sagestream LLC for not complying to place requested security freeze on my credit report since XXXX of 2020. I am filing complaint against Sagestream LLC for not placing a freeze on my report as requested. This company was notified to place a freeze on my personal report numerous of times since XXXX, then XXXX, XXXX, XXXX and XXXX and as yet to comply. Each time they have been giving ridiculous excuses upon excuses as to why my freeze letter containing unfreeze pin has not reached my mailing address provided. First excuse was the agent spoken to did not completed the request Second excuse was it was sent to me and it should of been received maybe due to covid the mail service is a little slower. Third excuse was that they sent it to a wrong address, which is untrue because to have a freeze place you have to verify all identification on file including address. The four time they said address was corrected and you should receive information by mail within 10 business days nothing was received. The fifth time called I requested to speak to management and I was told by a representative by the name XXXX who I've spoken to in numerous occasions whom as been sometimes unprofessional told me XXXX was unavailable at this time and he will be returning my call soon, still no response. Please assist me in getting this matter resolved. Under the Fair Credit Reporting Act it is my right to place a security freeze on my report and this company has not yet complied to my request, instead have been using it to defame my character. Thank you for your time on this matter and I hope to hear from you soon. Sincerely, XXXX XXXX.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 756XX	Web
I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from XXXX XXXX saying that SageStream , LLC reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX, or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from XXXX on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX of XXXX and XXXX is XXXX but they lied about this score however they obtained it.
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92084	Web
I applied for an XXXX XXXX XXXX which is issued through XXXX XXXX. Mind you I have two other open and active accounts with XXXX that are both in good standings. I've had them for many years. Supposedly, according to XXXX XXXX XXXX, my report is pulled from XXXX, however there isn't an inquiry on there. I later found out my consumer report was provided by a company called SageStream out of XXXX XXXX, CA. Never heard of them. They reported the following false information which is absolutely absurd to be used for credit worthiness decision purposes : Limited history of consumer at this address Date of issuance of applicant 's SSN does not match date of SSN of peers Limited history of consumer at application phone number Point # 1, people move all the time. People buy/sell their home. People move from one rental property to another. This should not be a factor against someone. In my defense, I just bought a house. Point # 2, what does this even mean? I've had my SSN since the day I was born. Where in the world did they pull this ridiculous information from?! Point # 3, I've had my cell phone number for so many years. Why would a phone # even be a determining factor for approval?! Doesn't make any sense. Someone needs to really look into SageStream. To me, they come off as a fraudulent company. They have poor customer service practices and only refer you to their website. They will not assist you over the phone. The lady I spoke to stayed quiet the entire phone call and kept repeating I refer to their website which asks for your SSN. I am highly surprised a company such as XXXX and XXXX XXXX use SageStream for consumer credit reports. This is SageStream 's information : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 79705	Web	Servicemember
On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.
12/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35244	Web
The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
02/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77062	Web
I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
02/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43055	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PR 00729	Web	Servicemember
I have exhausted every way of communication with this company SageStream , LLC Consumer Office. I have tried everything for them to freeze ALL my reports including the distribution of my information to anyone without my permission or consent, and no response have been received from the fax I sent some days ago. Every time I call this company the phone lines are " busy '' even at non business hours which is an abuse from them because they handle so much sensitive information that I would want them to stop sending around. I really hope that the CFPB put an end to this company abuse on the people. They just don't care about us I can not believe that my dad a XXXX XXXX veteran fought for this ignorant companies to keep killing us from within. We say terrorist are criminals think again these credit companies are the real terrorist by holding hostage your information and affecting lives in the long term by not letting people progress financially. Now going back to my request I would also want this awful company to send me a full report of ALL the information they got on me including everything bonded with my social security, address, phone number, bank accounts information, public records I say again EVERYTHING THAT CAN BE CALLED INFORMATION and is bounded to me as a person I want to be sent to me. Also, I would want a copy of all the information they sent regarding me to other companies since XX/XX/XXXX, and a full disclosure of where they got this information when they got it and how they got it. And I expect all that to be done within 30 days starting this XX/XX/XXXX because Im taking this company to small claims court soon. Thanks for your attention.
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60153	Web
XX/XX/2022 Re : XXXX XXXX Dear Consumer Financial Protection Bureau, I am appealing to your authority to have XXXX, XXXX and SageStream , LLC to release their addresses, telephone numbers, and fax numbers to me for the purpose of placing security freezes on all data collected by them, concerning me. When attempting to process this matter on my own accord by requesting security freezes, XXXX tells me that they are connected to XXXX, which is not altogether true. When contacting XXXX, they state that they are connected to XXXX, which is also not altogether true. In particular, I am referring to the inability to receive confirmation letters and/or numbers from both XXXX and XXXX on their respective letterheads stating or showing that my security freeze has been placed. XXXX and XXXX both hold personal information on consumers. My rights under FCRA allow me to place security freezes on my credit file upon request. XXXX is claiming that they are a part of XXXX for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen. These are separate entities, holding separate credit reports and allow for separate security freezes. [ XXXX, XXXX, XXXX, XXXX ] Please assist me as soon as possible in obtaining the necessary contact information in order to place security freezes with XXXX and XXXX, therewith, compelling them to follow those well known directives from FCRA. Respectfully submitted, XXXX XXXX
01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 64055	Web
My husband and I received a letter from XXXX XXXX denying an application for an auto loan dated XX/XX/XXXX. We had already been approved for a low interest loan through another lender and the deal was previously completed. However, this letter stated that XXXX XXXX could not approve us for an auto loan because of our credit scores from 1 of the 2 sources they had checked. The XXXX Credit Reporting agency stated our scores were XXXX and XXXX, but another credit reporting agency by the name of XXXX XXXX XXXX, stated that our Credit scores were only XXXX and XXXX. First of all, I had never heard of XXXX XXXX XXXX! Where did this agency suddenly appear from? I was told it was previously XXXX XXXX. I called the phone number for XXXX but was only able to leave a short message, but have not heard back from them. The reason XXXX gave us such low scores was " limited history for consumer at address and phone number. '' They have limited information because they have not been around long enough! I am very familiar with the 3 major reporting agencies that have been around for decades ( XXXX, XXXX and XXXX ) but this new agency has no business giving out credit scores based on their limited access to credit information!! I have read many complaints on this agency making consumers unable to qualify for loans or low or no interest rate promos because of their low credit scoring reporting that is not at all close to the other 3 main reporting agencies. I do n't know if this is some sort of scam to drive up the interest rates companies can charge, but I am requesting XXXX be investigated and that their scores can not affect the borrowing powers of consumers.
04/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77099	Web
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89121	Web
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89121	Web
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 653XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70117	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07083	Web
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX XXXX XXXX - BALANCE {$15000.00} - XXXX XXXX {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 296XX	Web
I have sent so many disputes orally by phone and written through the mail, yet these false alleged inquiries and collections remain on my consumer report! I am the natural person, original creditor, and federally protected consumer! The United States along with all of these corporations ( XXXX, XXXX, XXXX ) are in fact the debtors! Every single debt obligation or every single extension of credit is originated from my social security card ( Credit Card ) number! Without the consumer these corporations are just a dead entity! CREDIT IS LIFE. 15 usc 1681a ( 2 ) ( B ) EXCLUSIONS of consumer report. EXCLUSIONS mean something shouldnt be included. 15 usc 1681a ( 2 ) ( B ) anything authorized from a credit card as defined under 15 usc 1602 ( L ) Congress says that any transaction that was authorized from a credit card should be EXCLUDED from your consumer report. So any transaction shouldnt be written or spoken about. 15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency! 15 usc 1681 ( a ) ( 3 ) - consumer reporting agencies have assumed a VITAL role! Credit is life & debt is death! 18 usc 8 : All debts are obligations of United States. Law comes from God. I know the law & I know scripture! I am free! Earthly Laws cant supersede divine laws!! WE WERE BORN WITH UNLIMITED OPEN END CREDIT PLAN. Im a lender not a borrower. I WILL BE PURSUING LITIGATION BECAUSE THIS HAS CAUSED SO MUCH FINANCIAL HARDSHIP TO MY MINOR CHILDREN AND I! I do not deserve this, and for it to even take this long for an investigation is wrong!
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IL 60707	Web
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75006	Web
I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX did it, but XXXX and XXXX failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER XXXX WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX XXXX AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15. You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, XXXX and XXXX ) and request that the accounts be updated to reflect a positive status.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 346XX	Web	Older American, Servicemember
In attempting to purchase a new car I was advised derived from my XXXX report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21030	Web
I applied for an XXXX credit card and forgot that I had a " fraud '' alert on my account with the 3 main bureau 's ( XXXX, XXXX, XXXX ) and assumed that XXXX would reach out to me about applying for credit. Instead, I received a notice in the mail from XXXX XXXX stating that they used a credit reporting agency I NEVER heard of called XXXX XXXX XXXX and the reasons for denying my credit were not even close to what my credit history is and the score the gave me was ridiculously low. In order to receive a copy of my report I went onto the website where it was stated that you could only receive it by calling in or writing/faxing a request. I AM NOT going to give my ss # or any other private information to a so-called " reporting '' agency that I've never heard of and all the info they seem to have for me is incorrect. I've recently had fraud on my credit report, hence the " fraud '' alert I put on there myself. Then, the company goes so far as to have an " opt-in or opt-out '' for either 5 years or permanent, to have my information given to 3rd parties, but again, to opt-out I have to supply my social security number, so who knows who these people are giving my personal information to WITHOUT my consent ( like I said, I didn't even know this company existed ). If this is who XXXX has handle their credit, I'm glad I was denied, because I would not want them to have access to my information knowing this is what they do with it. I want all my personal information erased from this company, opted out of everything forever and this credit inquiry removed from my credit report.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37042	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX. Please remove the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account is not mines : XXXX # XXXX
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA XXXXX	Web
Sagestream LLC was used for a credit inquiry from XXXX XXXX. They sent a rejection letter with information that looks incorrect as the reason for the denial. I can not request a copy of my report, freeze my credit report with them or file a dispute with them regarding the incorrect information without submitting a photograph of my driver 's license, social security card or passport. I REFUSE TO SEND COPIES OF PRIVATE AND PERSONAL IDENTIFICATION DOCUMENTS TO A COMPANY THAT I HAVE NO AFFILIATION WITH, HAVE NOT DONE BUSINESS WITH, DO NOT WISH TO DO BUSINESS WITH, AND IS IN THE BUSINESS OF COLLECTING PERSONAL INFORMATION ABOUT PEOPLE. They did not need any of that information to provide the report to XXXX, they should not need that information to provide the information to myself. XXXX, XXXX and XXXX are all able to provide this information without requiring me to send an unknown company pictures of my identification. I'd also like to note that the Consumer Financial Protection Bureau website that I am submitting this complaint on does not require the level of information to submit this form that Sagestream is asking for. They can verify my identity with the last four digits of my social security number, date of birth and name when submitted from this form, but they can not do this on their own website? They can not use the reference number on the rejection letter as an additional check for security instead of requesting photos of my identification? I very strongly feel that Sagestream is trying to make this process as difficult as possible for consumers to complete.
11/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI XXXXX	Web
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX, Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid My current FICO score from XXXX XXXX XXXX, which uses data directly from XXXX, is XXXX. I have never heard of XXXX as a company dealing in FICO scores and am not sure why anyone would use their service. They can only be contacted via email and require hard copy documentation of an individual 's Social Security number, birth certificate, and driver 's license.I am not about to provide that critical information to a company, which I 've never heard of, just to contact them for resolution. I do not believe XXXX is providing accurate information to potential lenders and they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences, I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB needs to be aware of this company. They need to be reviewed as to their business practices.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 622XX	Web
I have asked for PROOF of " validation of a XXXX XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and XXXX and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
11/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI XXXXX	Web	Older American
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB to be aware of this company. They need to be looked into.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 95838	Web
I have had a credit freeze of the credit Bureau SageStream for many years due to a previous XXXX XXXX and restraint order I obtained against a prior boyfriend who was trying to obtain my information. This has been over 10 years. I was recently denied credit by XXXX XXXX for a store credit card with XXXX XXXX XXXX XXXXXXXX. I contacted SageStream in order to remove the freeze from my account for 90 days. I was on line with representative XXXX # XXXX, whom was having a problem removing the freeze. XXXX advised " her system had an error '' and that I would need to send her a copy of my " Social Security Card ''. I asked her if I could provide my PIN number if that would help because I did not feel comfortable sending my Social Security Card by email as she requested. I didn't feel comfortable with the representative because I could hear chickens in the background and children. She apologized several times for the noise, verifying that my call was being taken at home. I requested a Supervisor and the representative refused to transfer my call. I also requested another in the office representative and she refused. I was placed on hold a number of times and was on the call over 45 minutes. XXXX provided the following email address XXXX XXXX XXXX. She advised this was a secure email. I don't fee comfortable with sending my SSN card and would like a formal complaint processed. I don't feel customers should have to provide their personal credit information to representatives working at home in unsecure environments.
07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	UT 84115	Web
XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 44106	Web	Servicemember
SageStream has ignored/refused to provide me copies of reports and scores associated to my identity. I have made requests via their website, via the usps and sent faxed and certified mail requests to SageStream multiple times and included any and all documentation the company requests for identity/address verification purposes. All requests have gone unanswered. No one answers the phone at SageStream either. I am requesting a copy of my SageStream consumer report, also referred to as a credit report, a consumer file, or a disclosure report and my SageStream credit score. Requests for my SageStream consumer report and my SageStream credit score were submitted to SageStream ( in multiple formats ) on or about the following dates : - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 All proof of identity documentation they request was included with all of the prior requests submitted to their company to confirm my identity ( per their instructions ), but they have not acknowledged any of my requests. I am aware of other family and friends experiencing the same type of poor customer service from SageStream as well. If SageStream wants the ability to be able to profit from collecting consumer / private information and also profit off of this consumer information -- then SageStream should also be required to follow the law which they have failed to do multiple times. SageStream is blatantly ignoring their duties and they should not be permitted to violate federal law and or their requirements.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11204	Web
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IA 500XX	Web
On XX/XX/2019 I received a negative decision from Sagestream LLC, I originally applied for a XXXX Store Credit Card. Their decision was based on quote " most significant reason ( s ) where you did not score well are listed below : Your Credit Score XXXX Date : XX/XX/2019 Not enough bankcard experience Invalid phone number of applicant Number of subprime finance inquiries Number of inquiries '' ( End of quote ) Quote was based on the written decision letter from Sagestream LLC and XXXX XXXX, Creditor I monitor my credit via XXXX XXXX and several of my credit cards offer credit monitoring. My credit score has been consistent between the three major reporting agencies ranging between 220-260 points above the score represented on this writing. I started out by contacting XXXX. I was told to contact XXXX. When I contacted XXXX, I was told to contact Sagestream LLC. I'd like to note that on the letter I received from XXXX it stated to contact the creditor listed on the top left of the letter. That Creditor is/was XXXX XXXX. I have attempted to contact Sagestream on three separate dates and had to leave voicemails each time. The recorded greeting states that Sagestream will contact You/me within twenty-four hours. I have not received any response. I have direct experience working with credit reporting agencies and in the fifteen years I was involved in lending I never witnessed this large of a discrepancy. I ask for this credit score to be removed from my record as it is based on inaccurate data.
10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 989XX	Web	Older American
I applied for a XXXX XXXX XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX ) that took me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX score on the date of application was XXXX ( from XXXX ). I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) for this application. There is no listing of Sagestream LLC. On XXXX XX/XX/2020 I received the XXXX XXXX credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by Sagestream LLC. I tried to contact Sagestream LLC via their telephone unsuccessfully. I tried to obtain my credit report via their website ( https : //www.sagestreamllc.com/ ) and was not able to via the reference numbers of the XXXX XXXX credit rejection letter. Sagestream LLC was requiring me to enter my personal information which I am not going to do. I believe that I was treated unfairly as XXXX XXXX as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that XXXX XXXX uses the outstanding balances as a revenue source and that I would not be revenue source. Thank you, XXXX XXXX
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92677	Web
I contacted XXXX by phone but it only gave me an option to leave a voicemail which I left 5 voicemails already asking to call me. No calls feom them for few days and finally after the fifth voicemail somebody called me and I ask them to place a security freeze on my file. The representetive stated that the request has to be submmited either by mail or fax and they can not proccess the security freeze over the phone. I already summited a security freeze request also by email, online by uploading the requested documents on their website and by fax. So far I only got one letter and they said because of the quality of the submitted documents ( which was my ID ) they need more info and better quality copyto be sent. Even though I submitted a original photo online and also by email, I sent them the docs one more time qith fax and since then I have not receive any respond or confirnation from them. I tried every single way they explained over the phone to place a security freeze but looks like nothing been working so far. Since they failed to place a securitybfreeze as they required by law if the consumer requests but they did not, I decided to use cfpb complaint system to submit my request. I am requesting XXXX to place a security freeze to my file since I've been a victim of identity theft and recently some suspisious activity been going on under my name, I want to make sure all the sources or any report under my name to be freezed until the issue is resolved. Thank you XXXX XXXX
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60139	Web
I AM IN NEED OF YOUR ASSISTANCE TO COMPEL SAGESTREAM TO COMPLY WITH THE FCRA AND THE STATE OF ILLINOIS LAWS ( THE STATE IN WHICH I RESIDE XXXX XXXX. XXXX XXXX. XXXX ). THIS WILL ASSURE ME THAT COMPANIES SUCH AS SAGESTREAM/XXXX WHO OPENLY ADMIT THAT THEY ARE RESELLERS OF CONSUMER REPORTS WHO SHARE OR GIVE OUT INFORMATION WITHOUT THE CONSUMERS AUTHORIZATION, BE STOPPED. I SENT A LETTER REQUESTING AN IMMEDIATE FREEZE BE PLACED ON MY SAGESTREAM REPORT. ( SEE EXHIBIT 1 LETTER ORIGINALLY SENT TO SAGESTREAM RETURNED OPENED ) ALSO ENCLOSED IN THE SAGESTREAM LETTER WAS MY SOCIAL SECURITY NUMBER, COPY OF DRIVERS LICENSE AND A COPY OF RECENT BILL FOR PROOF OF ADDRESS. SAGESTREAMS AGREGIOUS RESPONSE WAS TO DEFLECT BY RETURNING THE ENTIRE ENVELOPE UNOPENED. THEY FAILED TO INCLUDE A REASON FOR THE RETURN. THEY ALSO FAILED TO COMPLY WITH THE WELL SETTLED LAWS THAT WERE AFOREMENTIONED, BY PLACING A SECURITY FREEZE ON MY INFORMATION IN WHICH THEY HOLD. THEREFORE, I AM ASKING CFPB TO COMPEL SAGESTREAM TO IMMEDIATELY FOLLOW THE LAWS AND TO STOP VIOLATING MY RIGHTS, OUTLINED BOTH BY THE FCRA AND THE STATE OF ILLINOIS IN WHICH I RESIDE. PLEASE NOTE : SAGESTREAM AND XXXX HAVE SEPARATE EIN NUMBERS WHICH MEANS THEY BOTH HOLD SEPARATE INFORMATION AND SHOULD ADHERE TO A SECURITY FREEZE BASED ON EACH INDIVIDUAL COMPANIES ( XXXX XXXX ) DATA. THESE ENTITIES ( SAGESTREAMXXXX ) HAVE SEPERATE EIN NUMBERS, THEREFORE, THEY ARE BOTH SEPERATE ENTITIES AND ALL HOLD PERSONAL DATA WHICH BELONG TO ME.
08/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48314	Web
I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with. How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred. Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates. So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34476	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
08/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 704XX	Web	Servicemember
OnXX/XX/XXXX I received an email from XXXX saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
As a result of the agency gathering, maintaining, and furnishing my personal info without my consent, I have been denied employment, credit, had my identity stolen, and failed background checks unjustly. I never gave my authorization for the company to collect and use my personal info at all. Violation : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You have never had my written instruction to report on my behalf. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NE 681XX	Web
On XXXX XXXX, XXXX XXXX XXXX XXXX provided XXXX XXXX with my alleged credit score. On XXXX XXXX, XXXX I received a letter from XXXX XXXX about their decision to deny me credit. In this letter dating XXXX XXXX, XXXX I learned that my alleged Credit Score from XXXX XXXX XXXX is XXXX and my XXXX Credit Score is XXXX. Seeing the disparity between the two companies reported Credit Score I checked my XXXX Credit Score and it was XXXX. I have never heard of XXXX XXXX XXXX so I researched the company, I visited their website and I was asked to submit copy of my personal IDs and provide all my personal informations in a non secure setting, in order to get a copy of the same credit report that they provided to XXXX XXXX. I have reached out multiple times by phone ( XXXX ) to XXXX XXXX XXXX to talk to a representative and learn more about them before I send them my personal information. I have not heard back from them yet and I am not going to wait forever. The Credit Score they assigned me is nowhere near accurate and they do not promptly address people 's inquiries or questions. If they are unable to answer phone calls from customers with questions about their credit report, In Fairness to Credit Customers XXXX XXXX XXXX should refrain from emitting inaccurate Credit Reports and Scores. XXXX XXXX XXXX should cease and desist from providing lenders false and fraudulent credit scores. XXXX XXXX XXXX is causing harm to customers, and they need to be stopped.
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43204	Web
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 346XX	Web
I went to buy a vehicle and the auto company submitted my loan application. A number of weeks later after the purchase I received a letter saying I was not approved ( I did get a loan but not thru this company ). They based it in Sage Stream LLC report. They gave me a much lower score than I had thru XXXX or XXXX. They said it was based on a number of factors : each one was excessively wrong- example : Length of residence too short- I have lived in the same home ( which I own ) for 11 years. Limited history for consumer at this phone : I have has the same phone number for 15 or more years, and although switched service providers that has been over a year and half ago. Ive read others have had similar experiences. Ive tried to call a number of times to request where they get their data from and to get a copy of my report. I have not reached them and have no reply from my voice mail left. According to their web site I would have to send personal information to them to get this report. All sounds like a scam. This letter talks about XXXX XXXX from XXXX CT. It also said they could not get my XXXX report- which I have a credit lock on it, which I removed for a day to accomplish this auto loan ( which did happen thru a different bank ) Please check out this company, and their letter, I must be some sort of scam. We all work hard to have acceptable credit and when told its half of what it is of course the urge is to respond to see what is going on.
09/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30116	Web
I am and have been an XXXX customer for more than 17 years. Last Monday, I called to ADD a new service at a 2nd address and was told I was not required to pay a deposit. On Tuesday I received an email saying I needed to call about my order. I called and was told because of my low credit score I had to pay {$50.00}. I have a credit score over XXXX and told her that was ludicrous but did n't have time to argue and paid the {$50.00}. On Friday I arrived at the property expecting a modem for the wireless service I ordered on Monday. Not only did I not have the equipment but I had a letter stating that I had a credit score of XXXX according to SageStream LLC. I paid XXXX for my credit score and its over XXXX. Clearly SageStream is illegally reporting credit scores and also violating federal law by not giving me a REASON for such score. I have called XXXX and SageStream with zero luck getting anywhere. SageStream told me they gave me a XXXX based on data from the last 3 years. I have not opened any new credit accounts in the last 3 years. I have ZERO debt except an XXXX XXXX XXXX that I 'm paying the balance in full each month. SageStream refuses to give XXXX any reason for this low score and its causing a lot of issues for me. I 've filed a complaint with the Georgia Public Commission because XXXX refuses to help me resolve this and I 've filing this report today because SageStream is falsely reporting a credit score that is not accurate
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60107	Web
i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33610	Web
sagestream has some inquiries on my report that are not mine. Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- Mortgage Cos. XXXX Inquiry from XX/XX/XXXX, XXXX- Real Estate Sales/Rent XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX XXXX Dealer S Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX # Inquiry from XX/XX/XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . Factual Data Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg. Agencies Ccb/ppc Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX National Credit Card Cos . XXXX XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX- All Banks XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX- these inquires are not mine
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. XXXX My full DOB is XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA 02135	Web
Last month, I attempted to open a XXXX XXXX XXXX account through XXXX XXXX. XXXX rejected my credit application and sent me a letter claiming that they were unable to approve it because my SageStream credit report was locked. I keep very careful records of all credit reporting agencies that I have locked or frozen. I had never heard of SageStream before receiving the rejection letter from XXXX, and I have no idea why or how my SageStream credit report was locked. On XX/XX/XXXX, I sent SageStream a request through their web site to send me a PIN through the mail so that I could unlock my credit report and apply for XXXX XXXX XXXX again. Their web site claimed that I would receive the PIN in the mail within seven days. It is now fifteen days later and I still have not received it. I just tried calling SageStream through their published phone number, XXXX, and it's just an automated system, none of whose options are applicable to this problem, and there is literally no option to speak to a human being. There appears to be no way for me to unlock my SageStream credit report which, again, I have no record of ever having locked and no way for me to reach a human being at SageStream to get this issue resolved. All this is unacceptable. How did my credit report get locked without my ever knowing about it? Who is SageStream? Why didn't their process for fixing this problem work? Why is there no way to reach a human being to get help?
03/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 50125	Web
XX/XX/2019 I got a letter in the mail saying my auto loan was denied by XXXX XXXX and it says here on the letter that the 3 credit reporting agencies are XXXX, XXXX and XXXX XXXX, I do not know who XXXX XXXX is I have NEVER heard of them! XXXX and XXXX say my credit score is XXXX a good score for an auto loan but XXXX XXXX has my XXXX XXXX at XXXX that's 112 points lower I do not know what they are reporting nor can I find out they will not let me have a copy of my report without sending them a hard copy of my SSC, drivers license, birth certificate and a bank statement to show my address I do not know these people but yet they are a Limited Liability Company, how did they get my information and how do they have the right to have my information and also request hard copies of delicate information that I have to MAIL to them! I will not mail them ANYTHING! they do not even give you the options to answer security questions online! When you try to call the number XXXX all you get is just an answering machine! This is flat out ridiculous! These people need to be stopped! They do not have the right to destroy someone's life like this! I have worked hard to build my credit to where it is and now these people just come along and destroy it! According to the automated system this company used to be call IDA Inc, I don't even know who they are either! HELP ME! Please contact my husband XXXX XXXX as he told me to file this complaint at XXXX
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
03/04/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 11229	Web
I received letter from Sagestream llc, containing fraudulent claim that I have an account with XXXX XXXX XXXX as well as indicating very low credit score with that company. This notice did not make any sense due to I have never opened an account with above mentioned company and very well aware that I have much higher credit score. Couple of weeks prior to receiving this fraudulent notification, my personal account had unauthorized charge of the amount of {$470.00} by XXXX XXXX XXXX. I was able to stop the payment and straighten up the issue with my bank, however, after receiving fraudulent notice from Sagestream llc, it became clear that this is not only big scam establishment that purposefully lower peoples credit scores to assist banks obtain higher interests on loans/deny loans ( as evidenced by countless customers reviews as well as filed law suits ), it looks like those scammers are also provide personal information to companies to create unauthorized accounts and make unauthorized bank transactions. Be aware, that Sagestream llc has an official website where they have an audacity to offer to opt-out of their services by submitting an electronic form where you asked to provide all PI information. I have not enrolled to receive their services in the first place. Never heard of them prior the incident either. Most certainly not providing any of my PI in any shape or form. This scam has to be stopped immediately!
04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 336XX	Web
on XX/XX/2020 I received a letter from XXXX XXXX stating that my car loan was denied due to the fact that my credit was pulled from SageStream LLC, a company I have never heard of and I am concerned that they have all my information in their system. The 3 credit reporting agencies and bureaus that I trust are the 3 well known ( XXXX, XXXX and XXXX ). To my knowledge, these are the only reputable and valid credit bureaus. My credit score through XXXX is XXXX which is considered excellent. However, Sage Stream gave me a credit score of XXXX through their system which affeted my ability to get the loan approved.This is faulse information being circulaed about my credit history and score. My concerns are as follows : 1- I am not comfortable with having a random company that claims to be a credit reporting agency to collect and share information about me. 2- The information that is being shared with the lenders is faulse and does not reproesent my credit history accurately. 3- I would like SageStream LLC to remove my information from their system as I believe it vilolates privacy rights and it also gives faulse and inacurate information about my credit that contradicts what the 3 major credit bureaus ( XXXX , XXXX and XXXX ) credit score says about me. 4- Sage Stream LLC is providing inaccurate credit scores about consumers which results in loan denials or loan approvals with very high interest rates.
04/18/2017	Yes	Credit reporting	Credit monitoring or identity protection Problem cancelling or closing account	NH 03062	Web
I have requested a security freeze on my account with the letter and necessary documentation on XXXX / XXXX / XXXX . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on XXXX / XXXX / XXXX however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them. After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office 0n XXXX / XXXX / XXXX throughout their opening hours XXXX PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my 8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested. I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective immediately.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX. XXXX and SageStream were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL XXXXX	Web	Older American
On XXXX XXXX, 2017, my husband and I applied for a car loan. We were very surprised that XXXX XXXX, a previous lender with whom we have had an excellent payment record, denied our request for credit. After having accepted an auto loan with XXXX XXXX at a higher interest rate, we perused the letter of rejection from XXXX and realized that there was a large disparity between the major credit reporting companies and XXXX, XXXX. Their low credit score of XXXX compared to XXXX XXXX XXXXXXXX explained the higher interest rate. We attempted to contact XXXX XXXX XXXX but they have no online access and only a toll free number which promises to return your call. Once reached, they request hard copies of social security identification numbers and other identifying information. It appears that we are not alone as the internet is full of complaints from other consumers who believe that this organization is purposely lowering credit scores in an effort to justify higher interest rates. Judging from the complaints on the internet, it appears that the majority of complaints are related to new car loans. We seek your help in researching this organization as they reflect a three hundred point difference from XXXX XXXX and XXXX We are not familiar with this company and will not provide any identifying information to a totally unknown entity. Could this be a scam?
07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I do not know how this works, but I need it done or somehow corrected. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
12/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89166	Web
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXXXXXX XXXX XXXX, and Sagestream received my request on XXXX. I have not received my credit reports from XXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
11/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 76033	Web
I was one of the 145 million Americans impacted by the XXXX data breach. I did all the " right '' things by locking my credit with XXXX, XXXX and XXXX. Subsequently, my husband and I applied for an auto loan on XXXX XXXX. I unlocked our reports for 48 hours to allow for this transaction to proceed. It was approved and I relocked our credit reports. Yesterday, I received written notification that XXXX had obtained our credit reports from XXXX, and that report indicated my credit score was too low to qualify. This is utterly ridiculous as my credit scores with the major credit bureaus are impeccable. I had never even heard of XXXX and am extremely concerned that my stolen data may be used through credit bureaus I do n't even know about!!! I find this highly unethical and worrisome that unknown companies are being given access to my credit history, particularly in light of the incompetence of the known companies. When I went to the XXXX website, I found that they expect me to mail copies of vital documents to them in order to even see the report they have compiled on me. I am not at all comfortable providing these documents to a company I 've never heard of before. I faithfully get my annual credit reports through XXXX, which is authorized by federal law, but have never been informed that there are additional companies I should be monitoring.
12/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KS XXXXX	Web
I have never heard of this company until I was recently applying for an auto loan and was turned down. I received a letter in the mail from a company called XXXX who said they relied on information from a reporting agency called SageStream LLC. This company had my credit score at over 250 points LOWER tha n the 3 major bureaus for reasons that were false. 1. Said my area code on my phone number is not correct for my address. My area co de is XXXX and I live in XXXX Kansas - the only area code for this area is XXXX. 2. Said length of time at address insufficient. Since when is 6 years not long? Plus other information about my credit that was false. In order to get a copy to dispute, I had to send them a copy of my drivers license. That was almost 2 months ago and they have never acknowledged me or sent my report. When I XXXX their name it appears everyone else is having the same problems and are calling them a fraudulent company who purposely understates score so lenders can charge more interest. Please protect consumers and shut down this fraudulent company who does not accurately report on information that is even relevant for a good credit score. Their low-scoring items are unrelated to how I pay my bills and are not consistent with any other credit reporting scoring system. Now they have my drivers license and Im afraid its a scam!
03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43206	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. XXXX ( XXXX ) DOB XX/XX/XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 75019	Web
SageStream , LLC purports to be a legitimate consumer reporting agency, and they are in fact listed on the CFPB web site as such. However, the instructions to contact this company ( for any matter, not just for a copy of a credit report ) are misrepresented at best. When calling the company 's main number, one is taken through a litany of options which all result in recorded instructions to send your confidential and sensitive personal information to them using unverifiable addresses and fax numbers. The only other option is to " hold '' to speak to a live person, but that option only leads to an automatic " we're sorry but everyone is busy '' message with instructions to leave your name and number at the beep for a " call back within 24 hours ''. In this day and age of Americans receiving numerous daily calls from scammers from everywhere on the planet, how is anyone to know if the " call back '' you get from SageStream , LLC isn't someone posing as an identity thief? If this company were legitimate, they wouldn't structure their consumer interface activities in such a clandestine manner. I have tried in earnest to make contact with someone at SageStream ( without leaving my sensitive information " at the beep '' ), and I have no way of knowing that I'm not voluntarily giving away everything that I've worked for my whole life.
09/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SageStream , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fax # : ( XXXX ) XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate these occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TN 37205	Web
SAGE STREAM I applied for a credit card for XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and XXXX XXXX cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards. I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and XXXX XXXX and asked why, and they said they could not tell me. They told me to call Sage Stream. Sage Stream said they could not tell me either, but would send me a letter. The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX and XXXX. Everything was correct and my FICO is still very good. Sage Stream said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. Sage Stream refuses to help correct this information, so I am placing a security freeze on my account. Who is Sage Stream and why are they creating so many problems for people? Please take action and help consumers. Thank you! XXXX XXXX.
01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30141	Web
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08822	Web	Servicemember
I purchased new XXXX XXXX service through XXXX XXXX XXXX. IT is being installed today. I received a letter a few weeks ago ( I was away on vacation for 10 days ) indicating that my credit score is XXXX from a company called SageStream LLC. My credit score has always been excellent and ranges between XXXX and XXXX across the three major credit bureaus. The XXXX XXXX XXXX letter goes on to say that based upon my credit history, XXXX XXXX XXXX is imposing certain restrictions or conditions on my account. I called XXXX XXXX XXXX and they said that I have to contact Sage Stream to have it corrected. I even explained that they did not use my full name in the letter. I have a very common name and I'm sure there are thousands of people with the same name. The XXXX XXXX XXXX agent was professional but could not help me. I went online to request my credit score from SageStream LLC. and they want a copy of my driver 's license. That is ridiculous and scary in this day and age. So, I refused to provide the information. I'd like to file a complaint against SageStream for providing information about me but that not allowing me to access it. I '' d also like to file a complaint against XXXX XXXX XXXX for not using the three major credit bureas where I already have access to my information. Thank you in advance for your help.
12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 94401	Web
On XX/XX/XXXX I attempted to open a line of credit, and I was rejected because SageStream, a credit reporting agency with which I've never done any business and never asked to apply a freeze to my account, reported a fraud alert on my credit with them. On XX/XX/XXXX, when I was alerted to the reason behind the denial, I attempted to request a replacement PIN through the SageStream web site so I could remove the freeze myself. They were supposed to send a replacement PIN in the mail, but one never arrived. On XX/XX/XXXX, I called SageStream on the phone to request a replacement PIN and was again assured it would be mailed to me. On XX/XX/XXXX XXXX today ) I received a postal letter indicating that my request to freeze my credit was a duplicate of my request to freeze my credit received on XX/XX/XXXX. On no occasion did I ask for my credit to be frozen : in all cases I've merely been asking for a replacement PIN so I can control the freeze that was placed on my file without my consent. SageStream has also XXXX the ability to call and speak to someone directly by phone ; they direct all requests to their inept web site which is singularly unable to process my request for a replacement PIN. I am unable to proceed any further, and SageStream 's unwillingness to help continues to block my ability to request credit.
03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IA 51503	Web
I applied for a total rewards XXXX card. On XX/XX/XXXX, I got a letter from XXXX XXXX stating I was denied due to 4 reasons and the score they used was XXXX. XXXX XXXX used XXXX XXXX for the information and the letter gave me all the information to contact XXXX to see why. I did call them. They sent me a consumer report with only my basic personal information. No reason why I wasn't given credit Under " your accounts '' no information reported " inquiries '' no information reported, " other information '' no information reported. I again called XXXX and told them this consumer report tells me nothing. I want to know why I was denied and XXXX XXXX says I am to contact you to get this information. XXXX said they do not use the three credit bureaus and they are a consumer reporting agency and the only information they have is on my report. It tells me nothing so how can you make this determination? XXXX says based on the information from XXXX I had too many inquiries, length of time since most recent delinquency too short, limited history for consumer at this phone, not enough debt experience. None of these are true. My letter from XXXX XXXX does not give the option to contact the credit bureaus, only XXXX. Also yesterday I received a letter addressed to XXXX XXXX using my address from XXXX. I do not know an XXXX XXXX
07/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02324	Web	Servicemember
I allowed for an auto loan at XXXX XXXX on XXXX XXXX 2017. I told them I only authorized their inhouse FI to do XXXX inquiry on my credit report. I have since had XXXX hard inquiries. I 'm confused because my sales receipt states my FI constates I am with XXXX XXXX although I told them I allowed them XXXX inquiry they told my it was included in the XXXX credit check they ran. I received a letter today that states- XXXX XXXX was NOT agreeable to the handling of the proposed transaction. Due to the report from the credit agency. XXXX Score XXXX. - due to Inquiries ( there were none prior to coming in that morning ) but no derogatory information found. SAGESTREAM LLC- score XXXX - due to no of inquiries Inquired did adversely affect score I have never heard of " SAGESTREAM LLc '' Credit Bureau '' so I looked them up. It said they are being investigated for giving low scores by auto financiers in order to give higher Financing Rates! '' Now- of this is the case- why is that the co I 'm told is the bank I 'm FI through- and got ANOTHER letter that stated " upon review, it was determined information was omitted " ... ... ... what is the scam that is going on. ... ... who is SAGESTREAM LLC credit Bureau and I want all of these hard inquiries taken off of my credit report, and this rediculious interest rate lowered NOW!
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43065	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need XXXX XXXX, XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
01/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web	Older American
On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned Credit Bureaus.
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20706	Web
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37115	Web	Older American
XXXX Applied for a car loan and was accepted for the loan by a credit union. Received report in mail from XXXX XXXX regarding the loan ( that I did not take out with them but instead used the above credit union ). XXXX XXXX denied my loan due to a report from a company by the name of SageStream ( never heard of them and have no idea who they are ). My XXXX report shows my credit score as XXXX as my husband and I have always paid our accounts on time and have never overused credit. The credit report from SageStream puts my credit score at XXXX ( WHAT??? ) The reason is not enough debt experience ( false - I am XXXX years old and have owned a home, numerous financed cars, etc. ), limited history for consumer at this phone number ( have had this number for 20 years ), limited revolving accounts ( I have a XXXX XXXX, XXXX XXXX, XXXX XXXX ), total account balances ( WHAT?? - we keep our bills current and always pay more than owed if not paying off the balance completely every month ). I tried calling them and got into a loop with no answer after 20 minutes. THIS INFORMATION IS TOTALLY FALSE. I am very concerned that this will adversely affect my credit score, which I have kept exemplary for decades. I would like to file a formal complaint regarding this company and their methods of obtaining this score.
04/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	MI 498XX	Web
I received a form letter from XXXX XXXX XXXX that my application for a XXXX XXXX credit card was not approved because ... the credit-reporting agency has indicated the applicant is deceased. ... When I was young, I would have found this humorous. Now in the twilight of my life, I find it predatory. I can supply a snapshot of the form letter if you so desire. XXXX XXXX is listed as the credit report provider. In trying to reach out to them, I see by their website, that before I can get this fixed, I would need to give them personal information that I would refuse to give them. I will not give out my SS number or birth date to any I dont trust. Someone, even mistakenly, who finds me dead, is not trustworthy. There are a number of items I would expect from a successful outcome of my death perpetrated by either XXXX or XXXX. I will give you those requests in a longer document if you ask. As an example, I would like a physical address of the US business so I could go to their office and prove my existence. A P.O. Box in CA from an LLC registered in DE gives me little confidence in their existence. Because XXXX is similarly just a P.O., I will continue to champion the use of local Credit Unions versus big national/international financial institutions. I appreciate any help you can give. XXXX
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73013	Web
Within the past year, I've applied for loans ranging from car loans to credit cards and I'm presented with data that indicates a company doing business under the name " SageStream '' is collecting information on me and providing it in error to lenders. This started with a car loan that I was not given approval for due to erroneous information contained in a report this particular finance company acquired from Sagestream. Upon contacting Sagestream I learn that every single determining factor the bank used to make a decision about my credit was wrong. I contacted Sagestream, which is no small task since their company appears to be just a network of voicemail transfers - but when I did finally make contact they provided no way to rectify this situation other than recommending to lock my account. I have since applied for various things and several of those lenders are denying me credit now because my Sagestream account is locked. The easy solution is what I've adopted, and that's to simply not do business with any company that does business with Sagestream but it's completely unfair to have your credit held hostage by such an incompetent and blatantly dishonest company. This company has profited from selling my data - data that's not correct and potentially negatively affecting my finances.
08/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77478	Web
On XX/XX/2018, XXXX XXXX XXXX gave a potential creditor information that adversely affected my ability to obtain credit. The reason stated on the letter from the lender specifically noted " distance between address and area code of phone number '' to name one. I made a call to the agency, got a recording, left a message, received an automated call back to go to the web site and follow the instruction and mail in my request. The information they are requiring me to send is the very information we are advised never to send anyone. A copy of my DL, a copy of my SS card, DOB along with general address, phone etc. Then they further add they need a copy of one of these : utility bill, lease agreement, bank statement, voided check or mortgage document. Anyone could have a field day with that information, how ridiculous. This it totally unacceptable, I wouldn't send that information to anyone via mail or internet. I want the information they supplied the creditor, it is apparently inadequate, erroneous and certainly outdated. I also wanted to freeze my report as I have with other companies, but in order to do so you need to send the aforementioned information. This company is giving information that affects peoples, they need to be sure their information is accurate and customer oriented.
07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 208XX	Web
I recently applied for an auto loan and was turned down because a company I never heard of reported my score at XXXX. I use XXXX XXXX and check my score several times a week and they all report my score to be over 600. I have NEVER heard of this company before. SageStream should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with Sage Stream and other agencies. This information may indeed allow mischief on their part, in order to gain new customers for their XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream, all of the above in which is owned by " XXXX XXXX ''. A major Bank issuing around 163 store branded ( closed loop ) credit cards, XXXX XXXX uses Sage Stream, and as it appears they depend on the Sage Stream report 100 %, when deciding to issue credit or not. SageStream says their reporting ranges from 1 to 999 ... WHAT? Ive never heard of this in my entire life either.
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TN 37087	Web
I submitted complaint XXXX on XX/XX/XXXX. Again I have never heard of this company. I will call to request a copy but COMPLAINT : When you pay XXXX to have your identity monitored below is what they monitor. XXXX isn't mentioned. If XXXX is being used by companies to report your credit history why are they not monitored? I am seeing many complaints on the internet from consumers that have similar issues with XXXX. See below advertisement on XXXX XXXX Website With XXXX, You Can : Monitor Your Credit Credit Score and Report Features Include : What You Need to Know : The XXXX Credit Score and 3-Bureau credit scores are based on the XXXX Credit Score model. Third parties use many different types of credit scores and will not use the XXXX Credit Score or 3-Bureau credit scores to assess your creditworthiness. With XXXX CompleteXXXX XXXX XXXX, You and a Second Adult Can : Monitor Your Credit Credit Score and Report Features Include : Bureau Credit File Monitoring1 Credit file monitoring and automated alerts of key changes to yourXXXX, XXXX, and XXXX credit files. 3-Bureau Credit File Monitoring XXXX 3-Bureau Credit Scores and Report XXXX Credit Score XXXX Credit Score Monitoring Again, nowhere is XXXX mentioned. I want this checked into. If they can report me who reports them???????
10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94609	Web
During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.
10/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32205	Web
On XXXX XXXX and XX/XX/ 2019 I faxed Sagestream , LLC to dispute 3 hard credit, inquiries on my credit report that had not legitimate purpose using the online prepared form provided on the company website. Attached to the facsimile were prior correspondence to the 3 companies to wit the disputes arise as well as personal identity verification documents listed on the company website including a copy of my driver 's license, social security card and bank statement. I have included both facsimile with confirmation receipt to this complaint. Subsequently I have received two letter 's from Sagestream , LLC dated XXXX XXXX & XXXX XXXX, 2019. The XX/XX/XXXX letter incorrectly states that I did not provide any verification documents and the XXXX XXXX letter is some nonsensical form letter about Sagestream not selling information, which has nothing to do with the disputes filed. I have tried to call Sagestream on 10 different occasions never once being able to speak to a representative and instead getting transferred to a voice mail system that is either full or disconnects. At this point Sagestream , LLC has negligently handled my identity verification documents I attached in both my facsimiles to the company and has delayed any investigation into the credit inquiries on my file.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92104	Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has Violated my rights. XXXX. Account Name : XXXXXXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web
It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 432XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	XXXXX	Web
YOU BROKE THE LAW!! To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web
It has come to my attention that XXXX vision has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX vision takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
01/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
11/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46205	Web
On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are a scam.
06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA XXXXX	Web
Summary : An unathorized credit freeze imposed by a CRA called SageStream , LLC I had never had any contact with, has been preventing me from obtaining credit I am well qualified for. SageStream has been completely unresponsive so far. On XX/XX/2020, after doing some significant, extended research, I submitted an online application to accept a mailed personalized offer of a no-fee, fixed-rate personal loan from XXXX by XXXX XXXX XXXX " XXXX '' ). The application could not be approved, for the following stated reason : " Credit freeze on bureau, unable to verify credit history '' I have since discovered that XXXX was able to obtain my credit report from XXXX, but not from SageStream , LLC ( " SageStream '' ). As a result, XXXX has been unable to even consider / start processing my loan application to date. Until XX/XX/XXXX, I had never contacted or been contacted by SageStream for any reason, nor had been aware of its existence. Since XX/XX/XXXX, SageStream has ignored my brief, to the point, specific messages, left at its falsely self-described " call-back '' voice mail box XXXX. Its industry peers routinely verify identity on the phone and process such basic requests in real time, without any document harvesting or phantom call-back promises.
07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75002	Web
Sagestream for many months now has not assisted me with my Identity theft, I did submit a complaint many months ago with the CFPB in which sagestream responded to call them and addressed me by the name " XXXX '' My name is not XXXX. Again they didn't read my complaint. I am victim of identity theft, and I am requesting SageStream Place a Security freeze on my file, along with providing me with the Pin for Said Freeze, and to dispute all the inquiries on my SageStream File, as I have not inquiried with any of these companies and the inquiries are a result of fraud, Identity theft. I am a victim of identity theft, and I have provided SageStream with my identity theft affidavit which they refuse to use or accept from the FTC. SageStream has not resolved the fraud, and honestly they do not call back. I have left several voicemails with my phone number, and name Slowly. They never answer the phone " always make you leave a voicemail '' They do not call back, and do not follow the FCRA Laws. SageStream is used by many lenders. They are allowing fraudulent applications on my file, and I do not accept that I am a victim of Identity theft and per fcra law 603 ( b ) I am requesting Sagestream following the proper FCRA Laws and place the security freeze on my file.
09/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43206	Web
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43213	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NV 89701	Web
Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43230	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
11/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10128	Web	Servicemember
Left numerous messages for XXXX XXXX XXXX. This complaint also Includes ID XXXX, XXXX AS WELL. when consumers call XXXX we are prompted to leave a message. I have left 50 messages over the course of 2018 with no call backs. I have mailed sage stream to send me my report and they refuse to do so. They require photo ID when none of the other credit bureaus do not require it. I am not releasing sensitive information such as my photo ID to a company involved with scamming consumers and fraudulently utilizing credit reports. THE 3 AFOREMENTIONED companies COLLUDE to place negative items on report, regardless of 3 LEGITIMATE BUREAUS REMOVAL, and attempt to make u pay XXXX to remove them.please see XXXX XXXX XXXX : XXXX : XXXX Contact addresses I sent requests to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, CA XXXX I faxed them at ( XXXX ) XXXX They need to send my report to my home address and remove fraudulent info and ABIDE BY FCRA REGULATIONS Please note the mounting complaints via XXXX at following address. The same issues I'm having, thousands of other consumers are suffering from. FTC and cfpb need to work in conjunction conjunction to better regulate XXXX XXXX XXXX, a company with mounting complaints issued via FTC, CFPB, XXXX
03/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 08012	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( XXXX XXXX an assignee pursuant to 15 USC 1691a ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 124XX	Web	Older American, Servicemember
I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with XXXX XXXX who in turn used XXXX XXXX - I received a letter today stating I was denied credit with XXXX XXXX via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both XXXX XXXX and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 710XX	Web	Older American
On XX/XX/20 my husband applied with my son, for a car loan with a car dealership. We obtained financing, but were later notified that we had been refused because of problems with XXXX and sagestreamllc. I have resolved the issue with XXXX, but have been unable to even obtain a credit report from XXXX. I have received two letters, and responded, requesting verification of personal information. I have been refused access to the credit report 4 times ... all because they can not verify his identity. I did send them the documents they requested. I finally called yesterday and was told that they did receive the information i sent them but either due to employee error or blurry fax they could not verify his identity. Their customer service representative told me to request a copy of the credit report online. I attempted to do that today, again having to upload a piece of personal identification. It is still telling me they are unable to verify my husband 's identity. I called and they said my husband would have to call and they would verify personal information with him. I am, at this point, highly suspicious of this company and their practices and regretting that i sent them anything. His score is XXXX with them and XXXX with everyone else.
07/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33467	Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX TO WHOM MAY CONCERN : I XXXX XXXX XXXX consumer, and natural person am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that assumed the role of assembling and reporting and equitable. XXXX, illegally obtained personal information and private information and sold it to XXXX. I did not grant XXXX written permission to sell my my information to the highest bidders. As consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting to all consumer reporting agencies. Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of FCRA. I sent letters to XXXX, XXXX, XXXX XXXX XXXX XXXX to cease and desist giving my personal information. they are still giving my personal information even though i sent certified letters to each of them.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27610	Web
On XX/XX/2022, SageStream , LLC, a subsidiary of XXXX XXXX reported a " credit score '' of XXXX to XXXX XXXX during attempts to secure a loan for a vehicle. After securing my report from SageStream , LLC, there is no such " credit score of XXXX '' on the report THAT i HAVE JUST RECEIVED TODAY, TUESDAY, XXXX XXXX, XXXX, unless I am over looking the XXXX pages plus. It is a general understanding that the SageStream , LLC is a personal consumer reporting agency not a personal credit reporting agency that deals with finances. My report consist of my residences, auto report information, insurance information, and the XXXX XXXX report. There is no information regarding how I pay my debts, the debts that I have, and extended credit. Thus, how can SageStream , LLC determine and submit a credit score to XXXX XXXX? When I called SageStream , LLC about this, I was told that they had not submitted a report to XXXX XXXX which appears to be false according to XXXX XXXX 's denial letter to me. There is a lot of confusion, misrepresentation, and harm caused. Originally, I was denied securing my report from SageStream by employees overseas. I had to keep calling and calling and finally secured the attention of a supervisor who sent me the report.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32211	Web
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32211	Web
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44129	Web
My credit report was provided by SageStream to XXXX XXXX ( hereinafter " XXXX '' ) on XX/XX/2019. This report was used by XXXX to deny my application for a credit account with XXXX. A credit rejection letter was generated by XXXX XXXX on XX/XX/2019. This rejection letter indicated that my SageStream credit score was XXXX. At the time of this rejection my FICO score was XXXX. I requested and eventually received my SageStream credit report. This report contains my name, address, phone numbers, SSN, DOB, e-mail addresses, and the names of several creditor grantors that requested my report. This report contains no information whatsoever upon which SageStream could generate a credit score. There is no information at all about any account or payment history that I have with any creditor. In spite of the above, the credit rejection letter listed that I have too few revolving accounts, too few bankcard accounts, and too many serious derogatory items. It is my legal opinion as an attorney that the CFPB should investigate SageStream for violations of the FCRA and for fraud. It's highly likely that many more people have been harmed by credit scores having no basis in fact and by willfully erroneous reporting generated by SageStream.
07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
After Carefully reviewing my credit report i noticed there are a few accounts showing that i have not authorized. Due to this mishap im requesting my credit file be freeze. My name is XXXX XXXX XXXX i reside XXXX ROCKY XXXX XXXX COLUMBUS XXXX OH XXXX, Please remove the following address and unknown credit items from my report ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEBT RECOVERY SOLUTIONS # XXXX, XXXX # XXXX, XXXX following addresses/ and phone numbers are not associated with my social or XXXX MALLCREEK CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, WY XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX the XXXX numbers also : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IA 523XX	Web
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, SageStream, XXXX, XXXX, XXXX, and XXXX ( XXXX and XXXX XXXX XXXX ). According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
05/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 773XX	Web
My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help XXXX XXXX hopefully make more money on their auto loans. Limited history at address : I am in the process of moving to this location. I told that to the XXXX people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. Not enough debt experience - I usually pay CASH, is that a crime? Total Account balances? Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that? XXXX XXXX, ( XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that XXXX XXXX can change the terms of the submitted auto loans so that XXXX XXXX can make more money. I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as XXXX XXXX, for sure.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43223	Web
I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, Sage Stream, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 90026	Web
i applied for XXXX XXXX visa card inXX/XX/2021. i then rec 'd letter from XXXX XXXX dated XX/XX/21 saying that, due to freeze placed on my sagestream report, they could not verify my credit, so they rejected my application. i dont know who they are, why there is freeze, and why one of the 3 bureaus ( XXXX XXXX XXXX ) wasnt used to run my credit. i then attempted to contact sagestream llc online and via phone. there is no way to reach human, phone is recording only. i then contect XXXX since they sent me the letter and apprarently work with sagestream llc. the person in " new accts '' i spoke with via phone at XXXX claimed that they had no idea who sagstream is and cant help me. he also said they use the big 3 bureaus so he couldnt tell me why XXXX sent me letter saying sagestream was used. i also ran my own credit reports at XXXX XXXX XXXX - there are no freezes and no issues that i can see. i also see on XXXX that sagestream has recd hundreds of complaints over last 3 years. same issue. they are totally sketch and need to be investigated now. as part of that investigation, their relationship with these banks needs to be thoroughly investigated. this feels like a joint effort to systematically deny credit.
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92395	Web
I purchased a XXXX XXXX vehicle from XXXX XXXX on XX/XX/XXXX. I financed part of the cost of the vehicle and my lienholder was assigned from the dealership to XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX. At the time of purchase, I got the interest rate I wanted and all was well. A few days ago, I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they " regretfully inform me that they are not agreeable to handling the transaction due to information in the report at the " '' crediting agency '' XXXX XXXX XXXX. '' '' XXXX gave me a credit score of XXXX and XXXX gave me a score of XXXX. Because of the low score from XXXX, regardless of my great scores with XXXX, XXXX, and XXXX ; XXXX XXXX wants to raise my interest rate. I called XXXX XXXX to talk about this on XX/XX/XXXX at XXXX and the person I talked to does n't seem to be able to answer any of my questions. So it seems I cant do anything about it! It appears to me that XXXX ( who I never heard of ) is providing XXXX XXXX a much lower score that the 3 major credit bureaus only so that XXXX XXXX can raise my interest rate and make money off of me. I find this to be very upsetting and seeing that XXXX XXXX cant answer any questions, I need some help.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76040	Web
All I know is this : SageStream LLC, on the behalf of XXXX XXXX XXXX is the biggest elephant in the room! Either most, some, and or all three major credit reporting agencies/matters are being advised, and determined by or with the help of these bad characters, and actors! In the past, and some yrs ago, it was XXXX XXXX XXXX that done the following ; hinder, and prevented me from obtaining : an affordable, decent, livable, suitable, healthy, protective, comfortable, peaceful, and the most safest environment to live in! Which led to me, not being able to choose, and select that was in my best interest! All that played a part, in my overall health being : in the status, state, and unsatisfactory conditions! Because of their bad reporting, inaccurate submissions, advises, misconduct, failures, transparency, bias, overreach, carelessness, ignorance, and extremely bad practices in nature! Now, they're pretty much doing, the same thing in this matter! As a result of this, in most cases its leading to, unnecessary credit denials, and declination with future creditors! In my closing, its definitely having a lasting impact, on how I'm being treated, and ongoing troubles : with all three credit reporting agencies!
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30507	Web	Servicemember
I tried to get a Loan with XXXX XXXX XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30507	Web	Servicemember
I tried to get a Loan with XXXX of XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?
12/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	OH 43214	Web
On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called SageStream , LLC. My credit score based on XXXX was XXXX and according to SageStream was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use SageStream LLC then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.
01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31324	Web	Servicemember
YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43068	Web
After carefully reviewing my credit report I notice that there are addresses and unauthorized phone numbers on my report. I am requesting a security freeze on my report through XXXX XXXX, Sagestream and XXXX. My name should appear on my credit report as : XXXX XXXX XXXX. My current residing address is : XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses from my report and freeze my information Please delete the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXXXXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
04/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX DOB XXXX SS XXXX my only address should be XXXX XXXX XXXX XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I am disputing the unknown account on my credit file : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX # XXXX
04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80134	Web
Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of " Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. The company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. As as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43055	Web
THIS IS THE 3 TIME I HAVE HAD TO FILE OVER THIS ISSUE. NOT SURE WHAT THE PROBLEM IS WITH ME FILING A COMPLAINT. DONE MY OWN MOTION HERE ON THE CFPB.GOV. I am having an issue with someone using my information for unknown accounts and addresses. I am demanding are investigation on my credit file and I would like the following addresses and accounts deleted : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION/XXXX # XXXX I HAVE ALREADY SENT A COMPLIANT ABOUT SOME fraudulent addresses still appear on my credit file. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web	Servicemember
To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
12/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32117	Web	Servicemember
I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NY XXXXX	Web
XXXX had offered a promotional savings offer if I used their credit card. This offer would have saved me {$100.00} off my purchase if I used their credit card. So, knowing my credit score to be around XXXX, I applied for a XXXX credit card. The application was not approved. It was somewhat embarrassing ; I have never before been rejected for a credit card application. A few days later I received a letter in the mail from XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX Fl. XXXX ) stating the reason that my request was denied was that the Credit bureau reports that the applicant is deceased. Well, I'm not. The credit agency reporting this error is you, Sagestream LLC ( XXXX XXXX XXXX XXXX XXXX CA. XXXX ). I have several questions : 1. Where do you get your information from? 2. How does this error get corrected? 3. How deep does this go? 4. Who will provide me the {$100.00} I would have saved had my information been correct is the first place? I primarily use XXXX to check my credit scores, yet they still have me alive and well. I appreciate your prompt correction to this error, and your prompt response. Thank you, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY. XXXX
01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 431XX	Web
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. The following numbers are not mine XXXX, XXXX,XXXX,XXXX,XXXX,XXXX
03/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43081	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 717XX	Web
I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and XXXX car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!
12/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43123	Web
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX and I was in the process of moving to XXXX from XXXX XXXX and I believe I have been compromised.
12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43213	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
10/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AL 362XX	Web
I HAVE ATTEMPTED TO CALL SAGESTREAM CREDIT REPORTING COMPANY FOR 2 DAYS, AND IT GOES DIRECTY TO VOICE MAIL WHEN YOU ENTER OPTION 1. I XXXX THE COMPANY AND ITS ON " RIP OFF '' WEBSITE, THEREFORE I AM NOT SENDING REQUIRED INFORMATION TO THE COMPANY AND NEED TO SPEAK WITH SOMEONE ABOUT AN ERROR ON THE REPORT THEY HAVE. I ALSO XXXX THAT THEY HAVE LESS THAN 25 EMPLOYEES?? HOW COULD THAT BE WHEN THEY PROVIDE REPORTS FOR DIFFERENT COMPANIES ALL OVER THE COUNTRY. THEY HAVE 89 COMPLAINTS SENT TO THE XXXX IN CALIFORNIA. WHEN YOU CALL THERE IS NO OPTION TO WAIT FOR THE NEXT REPRESENTATIVE. I HAVE A VERY BUSY SCHEDULE AND DONT WANT TO BE CALLED BACK AT THEIR CONVIENCE, I NEED TO CALL THEM AT MY CONVIENCE DURING THEIR BUSINESS HOURS. I WANT THE CFPB TO CALL THE NUMBER OF THE BUSINESS AND THE ATTORNEY GENERAL OF CALIFORNIA AND SEE IF THEY CAN TALK TO A REPRESENTATIVE. IF THE COMPANY CAN NOT STAFF THE PHONES PROPERLY, THEY SHOULD NOT BE LICENSED TO BE A CREDIT REPORTING AGENCY THAT CUSTOMERS NEED TO CONTACT. OR ATLEAST ADD THE OPTION FOR THE CUSTOMER TO WAIT ON NEXT REPRESENTATIVE. IM SURE NUMEROUS CUSTOMER CALL AND WOULD LIKE THE PROBLEM RESOLVED ON FIRST CONTACT.
09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43204	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX, OH XXXX I would like a full copy of my credit file.
11/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33020	Web
I am a new employee at XXXX XXXX XXXX. I applied for a store credit card on XX/XX/19 so that I can enjoy my employee discount. Several days went by and I had not received the new credit card. XXXX advised that I wait until I received a letter. I received a letter yesterday ( XXXX ) saying that XXXX XXXX who issues XXXX 's credit cards could not grant me credit based on information they had received from a consumer reporting agency. The agency reported that I was deceased. Ironically I have four existing accounts with XXXX XXXX from other retailers. The consumer reporting agency that inaccurately reported this information is Sagestream LLC, XXXX XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. Unfortunately there is no option to speak to a representative. The system just asks for you to leave your information and they will call you back. They have not responded to me. They were in fact in my correct credit file, as I can see the hard inquiry in XXXX XXXX and got an alert when they made the inquiry from XXXX. Their reviews on the internet are very concerning. They should probably be investigated. Thank you for your help, XXXX XXXX
11/28/2016	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	FL 32060	Web
I was denied credit for a vehicle, the reporting agencies were XXXX and a reporting agency that I have never heard of, which is Sagestream , llc XXXX CA XXXX. Phone number XXXX. My credit score with XXXX was 618, compare to 551 with Sagestream. I have tried several times to contact them by phone to get a copy of what they are reporting on my report and was not successful. With the other credit reporting agencies that have been around for a while they have a automated service to get my information, but with Sagestream they will only respond with the mail and several copies of all kind of personal information. Why are they different from the other reporting agencies and make it very hard for me to get information that they are reporting on me as a consumer, that does not seem far to me, and it is already upsetting to be denied and then fight for information about yourself too. I would like to file a formal complaint on Sagestream, because XXXX has set the standard on how someone can get a copy of their credit report and someone I do n't know can come in and change the standard. I thank you so much for helping me get this matter resolved. XXXX
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	TX 770XX	Web
This company Sage stream, I have never heard of and have NEVER done business continues to request my personal identification saying I requested a security freeze on XX/XX/XXXX but that is an absolute LIE by Sage Stream! I have repeatedly said that I didnt request that. They refuse to add me to the DO NOT CONTACT list/opting out of all contact because again I have never done business with them and never will. Why would I send my personal identification to a company that I have never done business with? Federal law makes clear from the Telephone Consumer Protection Act, to the XXXX XXXX, to the Fair Debt Collection Laws, that I dont have to provide identification to demand that a company cease all contact. Sage Stream violates federal law by insisting on identification to opt out and do not contact which violates federal law. I have asked them for an address to serve them with a lawsuit for violating my rights and they refuse to provide it. But yet they feel they can ask for my personal identification documents when I have never done business with them and did NOT initiate a security freeze on XX/XX/XXXX like they falsely claimed.
06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 302XX	Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 432XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely XXXX XXXX
07/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 32746	Web
Applied for an auto loan and was declined because of a credit score from SageStream LLC with XXXX XXXX. Never heard of SageStream before this and their credit score is almost 200 points lower than XXXX. Who is this company that they can have such an influence in credit approval? The reasons for their decline aside from the credit score are ludicrous. Limited history for consumer at address and phone-have had this address for 5 years same phone number for 25 years, too few revolving accounts, too few bankcard accounts - have banked with same banks for 10 years and have their bank cards. This unknown company should not have the authority to make such credit determinations on anyone. Following research performed it appears that they are a scam consumer credit reporting company and banks using them for said determination appear to be scamming the consumer to inflate rates of interest and cash output. Research also shows that SageStream LLC is involved in numerous consumer lawsuits complaints like this and that complaints likewise have been issued against SageStream with XXXX XXXX XXXX and FTC which I likewise will be doing myself.
09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 08057	Web
I placed a security freeze on my SageStream file in XXXX and in XXXX attempted to temporarily lift the security freeze in order to attempt to obtain a loan with a company that used SageStream to verify identity. I contacted SageStream multiple times over the course of three days to attempt to reach them by phone and was unable to reach a live person ; in all cases, I left voicemail messages requesting that they return my call and still heard nothing. I attempted again, multiple times over the course of three days, to fax a signed letter and proof of identity to the secure fax number that the company provides on their web site in order to have my security freeze temporarily lifted and the fax number was busy all throughout the three day attempt. My last resort would be to mail the information to them which would take far too long to reach the company to obtain the loan in a timely manner. It is criminal that these companies collect personal information regarding all manner of the lives of citizens and then provide no efficient and timely way to contact the company to protect this information or otherwise correct errors.
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43231	Web	Servicemember
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 082XX	Web
I was denied car loan due to this ridiculous unheard of credit reporting agency giving me a XXXX credit report when XXXX and XXXX reported me 150 points above that!! I have no late payments or delinquencies and paid off my last car. Also my inquiries were substantial after going to only 2 car dealerships. They also claimed I had limited time at this phone number but that has been my cell for at least 8 years. They also used my daughters student loans that are deferred against my present credit. There is thousands of complaints online about this company. When contacted they will not answer how they computed my score or where they got telephone false information from. They also want all my personal info to send me credit report and I think that's against federal guidelines. I worked very hard for 2 years to improve my credit while I dealt with my sons head injury and they should not be able to give people 150-250 under their other credit scores. Who is there to look out for the little guy? There has to be some federal accountability. Please close them down before they hurt other people or lose good loans based on false scores
06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	SC 294XX	Web
Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost XXXX point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch 22 and the winner is SageStream. **Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. ** This practice is unacceptable and someone needs to figure out why I have XXXX point disparity in my scores. Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AZ 850XX	Web
I first became aware of the existence of Sagestream LLC when I applied for a XXXX credit card on XX/XX/2021. I did not know that they even existed prior to that date, and I have never had any communications with them. I was declined for the credit card because there was a freeze on my Sagestream credit file. However, I have never requested that my Sagestream credit file be frozen, nor was I even aware that Stagestream maintained a credit file on me. Because I never requested a freeze, I don't have a PIN to temporarily lift the freeze, which Sagestream would have provided to me had I placed a freeze. So I can't apply for the credit card. It seems to me that credit reporting bureaus should be prohibited from creating and placing a freeze on a consumer 's credit file without that consumer 's express knowledge and consent. It is impossible for me to communicate with Sagestream about this matter because they don't have a live customer service call center, and I would need a PIN to communicate with them by e-mail. The only address available for Sagestream LLC ( from their website ) is : XXXX XXXX XXXX XXXX XXXX, CA XXXX
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CT 06067	Web
I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company XXXX XXXX.
12/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 601XX	Web
applied for XXXX XXXX credit card at the register in XXXX XXXX store. Denied. Attaced letter was sent as reason for denial....applicant reported as deceased....called Sagestream LLC 5times, left 5 messages and call was never returned. Called XXXX XXXX who verified credit was pulled but had no idea why I was denied as I have a XXXX account currently active with them. Couldn't explain anything about Sagestream, how they work or why I was denied. Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me XXXX XXXX has nothing to do with this and she couldn't help me. Called SSA and everything looks fine. I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with Sagestream rep;orting me as deceased and XXXX XXXX telling me letter is a scam when I received it in response to their bank denying me credit for XXXX XXXX card. ( FYI since I checked my credit reports I see the XXXX XXXX/XXXX XXXX inquiry has been removed).
02/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 11793	Web
XXXX , XXXX is violating the access to my credit report as per the FCRA. My FICO score is XXXX, they released negative information that does not exist when I applied for a credit line. To access my report or Freeze my report I need to mail my personal information ... including Photo ID, SS number and additional items to prove my identity. This is not open access to my credit report. I can prove my identity in many ways but not at the jeopardy of my personal information being stolen via the mail or improper handling or disposal by XXXX. After calling them they were not able to offer an alternate way to access the information. They could not explain the details that were reported in my denial or scoring. Based on my experience and research they have no interest in providing a remedy or following the proper FCRA guidelines. The big three credit agencies lost the second largest class action lawsuit in US history for these exact same practices. Who is policing these pop-up credit reporting agencies? Their practices are intended to avoid letting consumers access to credit reports to dispute false information.
06/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 76710	Web
After attempting to obtain credit on an auto purchase, I received a letter in the mail stating the application had been declined in part due to my XXXX score. I have a 700+ FICO score with the major three reporting bureaus, but have never even heard of this company. Per their website a freeze/copy of the report can be obtained over the phone or by faxing or mailing my sensitive personal information ( SSN/DOB/Copy of ID etc. ) to them. After attempting contact at the number provided per their website, I was notified this can only be completed by sending the below. I am not comfortable with this, additionally their website is misleading as it states, " If you would like to request a security freeze, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 ) submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year )
01/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43231	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). I amemployed at XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 441XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 14020	Web
I recently bought a vehicle, and I have received a couple of denial letters, from companies the dealer tried to use as loan options. I had a previous loan with XXXX, but received a denial letter for this particular vehicle. I found it strange, but as I looked into it further, I noticed my credit score was obtained from 3 different companies. XXXX, XXXX, and XXXX XXXX. I have only heard of two of the three companies, and two of the three companies have my credit score as XXXX or above, but XXXX does not. They have me at XXXX. I found this odd, and started researching a bit more into this company. This is where you come in. Many people have been filing complaints about this place and I feel it is only necessary I file one as well. I have not had any direct complication with this company, as I have never heard of them before. However, they are obviously affecting people like me in a negative way. I refuse to just sit by, and let unknown companies have any effect on something I have worked VERY hard at. Credit is not easy to obtain and maintain, and something like this shouldn't be taken lightly.
07/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43235	Web
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43206	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXI XXXX
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 779XX	Web	Servicemember
On XX/XX/2019, my wife and I went to purchase a XXXX XXXX XXXX ( used with XXXX miles on it ). Our credit was run and we were told by the dealer, we had excellent credit 800+ ( as my wife and I were already aware ). We were given an interest rate of 5.9 %. On XX/XX/2019, we received a letter in the mail stating our credit report was ran through XXXX ( score of XXXX ) and SageStream LLC ( score of XXXX ). The reasons given by SageStream LLC for our score were ; Too few active accounts, Limited Credit History, Too few installment accounts, Proportion of satisfactory trades too low. My wife and I both received very similar scores on both reporting agencies. We have fully paid off three vehicles ( two being brand new ), credit lines ( not maxed, paid in full, all bills paid on time, etc etc. ) I looked this company up and found this to be a VERY common problem in which people go with great credit and receive high scores from every but SageStream LLC. I personally don't like this company low balling me and potentially getting me a higher interest rate, when I am very financially savvy.
12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48316	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX Below is the requested documentation for my personal identification
01/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 98208	Web
On XX/XX/XXXX I applied for a XXXX credit card that was " preapproved '' and was denied by XXXX, a company I 've never heard of. I was told my credit score was XXXX which is preposterous. The reasons given were ; # 1.Distance between prior residences ( I 've lived in a 6 mile radius for the last 17 years with 3 moves ) # 2 Length of residence too short ( It will be 8 years in XX/XX/XXXX I 've lived at my present address ) # 3 Inquiries did not adversely affect score (? ) # 4 Invalid or missing information ( Original application with XXXX was filled out completely and correctly ) # 5 Risk associated with address history ( again,? ) In reading reviews/comments about XXXX I see now why this is. I tried on several occasions to contact this company only to get no answer during business hours, or to have to leave a message to which I received no response. The last message I left was today at XXXX. I called at XXXX PST and the phone just rang untill I finally hung up. I also find it interesting how on previous complaints about this company they choose to not publish their response.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43123	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX,
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43206	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , ohXXXX. Please remove the following numbers : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OK 74066	Web
Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from Sagestream , LLC, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears XXXX XXXX and Sagestream are possibly colluding to modify loan terms.
07/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	IL XXXXX	Web
On XX/XX/2019, I called, left a voicemail, and faxed a letter to the consumer reporting agency, SageStream , LLC. My goal was put a security freeze my SageStream consumer report. Per, their website, you can initiate this request via Fax. I followed the directions listed on the website regarding how to initiate a security freeze request via Fax. After sending the fax, 1 or 2 business days later, I called again to see if they received the fax. No answer. Left voicemail ; no returned call. I'm uncertain if they received my fax or not. No one is answering the phone. They have an option to leave and voicemail. It's been almost a month, and I've received no return phone call. I contacted them again, XX/XX/2019, using the same method. Again no answer when calling and no returned phone call. I called 3 times again today, XX/XX/2019, still no answer. I've initiated this same process with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX. All have sent me mail confirming initiation or completion of the security freeze. No contact or mail has been received from SageStream.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92122	Web	Servicemember
The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX Sage Stream, XXXX, XXXX XXXX. Case # XXXX XXXX County
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web
I went to purchase a vehicle on XX/XX/2020 and my credit was ran for financing, only I was denied by a credit reporting company that I have never heard of, can't reach, yet they have my personal credit information. I was financed by another company, but the fact that a " credit bureau '' I have never heard of, rated my credit, and denied me based on an arbitrary and unknown formula is not how I trust to conduct business. Never in my life have I heard of SageStream LLC and I have NEVER given permission that wasn't XXXX, XXXX, and XXXX. We do NOT need a 4th " credit bureau '' especially one that can not be reached or allow you to do anything online. This type of shady behavior is not what I agreed to when having my credit " ran ''. An unofficial credit company should not be able to access my personal financial information, especially when the parent company is XXXX and XXXX XXXX ( a computer virus protection software company ). How do I know my information isn't being shared between these companies to track me or my activities? I do not trust this company.
01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 431XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 432XX	Web
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33445	Web
My FICO score has been very high ( between XXXX and XXXX for the past 12 months ) so I was surprised to hear of my bad credit report/score from XXXX XXXX XXXX that SageStream provided. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that due to the bad credit report/score provided by SageStream I would be required to make a {$100.00} deposit to open add an account to my partner 's existing account. The letter stated that I had 30 days to request a copy of my report/score from SageStream. That same day, we both went online and requested our report/score -- we also froze my credit with many of the credit reporting agencies. I waited 30 days and had not received the report/score. On XX/XX/XXXX, I called the number for SageStream and left a voice mail ( since all operators were busy and the recording stated my call would be returned within 24 hours ). I waited the 24 hours and left another message on XX/XX/XXXX ( the same recorded message played and I left the same message ). The company has been non-responsive and hides behind recorded messages.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30309	Web
Sagestream , llc provides false information that no other agency provides and false information that is detrimental to fair credit decisions. Sagestream credit score is XXXX points lower than the REAL credit reporting agencies. I have an over XXXX credit score everywhere else. I know for a fact because I just verified it. Sagestream is a scam company. They list factors like distance between area code and phone number as a key factor adversely affecting score. I have had the same number for 20 years and it is the only area code in my zip code. How they make this XXXX up Ill never know. Limited history for consumer at this phone number. Once again, Ive had this number for 20 years. It has been tied to 3 mortgages and probably 6 car loans all of which were paid on time never late and satisfied in full. Also tied to multiple bank accounts and credit cards. I have under 1 % credit utilization. They list too few retail accounts as a factor. False. They list too few active accounts as a factor. False again. They basically just make stuff up to torpedo you.
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43227	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43231	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
11/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32244	Web
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 928XX	Web	Servicemember
I have a perfect credit score of XXXX with multiple other credit reporting agencies, such as XXXX, XXXX, and XXXX, however SageStream , LLC lists my credit score as XXXX. I have never missed a payment, and I have a suitable and responsible amount of 3 credit lines. According to them, I do not A. ) Have enough debt experience, even though I've had auto loans paid off and never missed a payment on ANYTHING in 7 years. B. ) Limited history for consumer at this phone XXXX what?? ) XXXX XXXX XXXX few bank cards, even though I have 3. I'm not a credit card freak, I don't need 20 credit cards. Is 3 REALLY too few? D. ) Length of time accounts have been established too short, even though I've had these credit lines FOR YEARS I have noticed similar complaints about this from MANY other consumers, and this disparity of 230 points has costed me a recent automobile loan, which I really needed. I am filing a complaint because SageStream , LLC is incorrectly representing my credit history, and is costing me financially when searching for an automobile loan.
07/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TN 37804	Web	Older American
I applied to XXXX for a credit card since they were offering {$5.00} off my bill when I had the card. Evidently the card is issued thru XXXX. The majority of my cards are with XXXX XXXX. I got a letter from this " Sagestream LLC ; evidently another obscure credit reporting agency, that my FICO score was XXXX and I was denied a credit card thru XXXX because of Sagestream. I downloaded 6 separate scores from Annual Credit Report ; my scores ... XXXX, XXXX ; XXXX ; my Auto score XXXX ; my bankcard score XXXX and my mortgage lending score XXXX. They're not the best, but they're not the worse either. All were download today XX/XX/2020 at XXXX this morning. I do not want this false, unwarranted, misleading information leading to more issues in my life. I had problems 6 years ago, my credit is pristine now. I pay my bills the minute they arrive in my mailbox or my inbox. I just got a new car on Saturday, I don't think they would of let me drive off with a credit score of XXXX. I thank you for anything you can do to stop this from ruining me.
11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27565	Web	Servicemember
Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX XXXX.
11/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43054	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
03/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ XXXXX	Web
this is in reference to previous complaint # XXXX. Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. This has been going on for 6 months. I submitted the documents that suitable to verify my identity, by certified mail on 2 separate occasions. certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure and continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me. This will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my two requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy this is my 4th and final reques t.
02/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	PA 15010	Web
Since XX/XX/2019 I have been involved with an ongoing dispute with Sagestream LLC. They provided information that caused me to be denied a loan. They have not answered any of my questions satisfactorily, they have used legal jargon to obfuscate the true meaning of there intentions, and they have shirked responsibility at every point possible. Recently, they denied giving me any information based on the fact " My identification I sent them was blurry. '' They had my phone and fax number so they could have contacted me using either of those to tell me my identification wasn't acceptable but they chose not to which leads me to believe they are deliberately and maliciously withholding information from me and I accuse them of which. In their responses they keep stating : " SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors ''. however this is affecting my life due to the fact I have been denied credit based on the information in their reports.
03/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48021	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 802XX	Web
I bought a car through XXXX in XXXX. They used XXXX to pull my credit. I got 3 letters in the mail to different addresses, my home and business saying I had a XXXX score through XXXX saying I was denied the lease. My credit is over 700 on all the reputable sites ( XXXX, XXXX, XXXX ) I called the car company and they said had I been denied, I never would have left the parking lot. I looked this company up online as I had never heard of them before and multiple people have run into the same problem and say this is Spam/Fraud and should be reported to this site. 1 ) I have my credit frozen. So no one should be able to pull my credit score without me unfreezing it. 2 ) They are trying to get me to send them personal ID and financial information via snailmail, but don't give you access to a website. 3 ) It said I was a co-applicant, when I was not. 4 ) The reasons for my credit being " low '' with them make no sense. I have 20 years of credit history, yet it says I have limited credit history and not enough debt experience.
09/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 324XX	Web	Servicemember
First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against you.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 75013	Web
I recieved a response letter from SAGESTREAM that stated that they will not grant my request to OPT-OUT of their services. I have asked in written notice in accordance with the law ( 15 U.S.C 6801 ) for SageStream to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-SageStream refused 2. I have chosen to OPT-OUT of their information selling and sharing platform-SageStream refused 3. Provide me with a complete printed copy of their collection on my personal information-SageStream refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by SageStream or any of its third party affiliates. As the consumer, you can only share information that I allow you to with my consent. At this time Sagestream is in direct violation of my rights as a federally protected consumer under title 15 chapter 41.
04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	SC 29488	Web
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48316	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	MI 49546	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA XXXXX	Web	Servicemember
I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
01/20/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TN 37363	Web
I applied on XX/XX/2019 for a XXXX XXXX Visa card and I was denied via letter on XX/XX/201. Letter stated : Too few Bankcard accounts - I have 2 XXXX and XXXX XXXX XXXX Date of issuance of applicant 's ssn does not match date of ssn of peers. ( I have no idea what the heck this even means! ) Not enough Credit Experience - I have over 30 yrs credit. XXXX, XXXX, XXXX XXXX, and A XXXX Mastercard which they just switched from a XXXX Visa Too few revolving accounts - 1 have 4 XXXX, XXXX, XXXX, XXXX XXXX Your Credit Score : XXXX My credit score is XXXX! I have called Sagestream LLC XXXX XXXX different times one of which was again today! They do not return my calls. I have left messages that their credit reporting info in order to get the XXXX visa card is incorrect and they will not return my calls. I filled out another application on XX/XX/XXXX after I sent them an email telling them that what they reported to XXXX was incorrect and the 2nd app was also denied!. I called XXXX directly and they could not help.
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33547	Web	Older American, Servicemember
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my XXXX credit report had also been made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX, 2019, respectively, I received letters from XXXX XXXX XXXX ( SageStream LLC and XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
08/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 240XX	Web	Older American, Servicemember
SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed. Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them. My score with XXXX is appro x XXXX. SageStream appears to suffer more than a lack of due diligence. They seem unwilling or unable to function as they 've been authorized to function. Please do a web search to find numerous similar complaints. I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra m eventually pays.
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MN 55426	Web
I contacted Sagestream , LLC on numerous occasions ( website and telephone ) to freeze my credit report and request a copy of my credit report. On the first occasion, I requested a credit freeze via Sagestream 's website and supplied all requested identification information. My credit report appears to have been frozen ( based on interactions with a lender ), but Sagestream never provided a PIN ( or other method to manage the freeze ) and did not otherwise contact me regarding the freeze that I requested. I called Sagestream on two occasions and was passed to voice mail each time. I left 2 voice messages ( with Sagestream indicating that my call would be returned within 1 business day ) for them to return my call, but they never did. I also requested a copy of my credit report via Sagestream 's website and supplied the requested identification information. I have not received a copy of the credit report that I requested and my call/voice mail regarding this request has not been returned by Sagestream.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30032	Web
SageStream states on its website that disputes, requests for credit files, or requests to freeze one 's file may be submitted by fax to ( XXXX ) XXXX. Yet, after many attempts to submit a fax to this number over several days and a few different fax machines, all submissions failed -- the stated reason being that SageStream 's fax number was busy. The business seems to be engaging in false statements, namely that requests can be submitted by fax. They seem to force consumers to submit requests through regular mail which is slow and time consuming. In effect, they make the dispute/information request processes excessively difficult to deter consumers from accessing their credit files per the spirit of the FCRA. If this company wants to function similarly to the three major credit bureaus, it should be incumbent upon them to allow online access to credit files ... not restricting access to outdated, complex requests. Nor force consumers to pay for postage just to obtain a " free '' credit report or freeze.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43213	Web
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	GA XXXXX	Web
In XX/XX/2020 I completed the online process to request a security freeze with data reporting company SageStream , LLC. I also submitted a request for a copy of my consumer report that they have to be disclosed to me. I never received confirmation of my request. I never received a pin number for the security freeze I requested. I have called their number XXXX XXXX XXXX XXXX numerous times and no one has ever picked up the phone. The line instructs to leave a message and someone will get back to me. I left numerous messages and NO ONE EVER got back to me. SageStream , LLC is a for profit data reporting company that has information on consumers and it is unacceptable that they are evading responding to a consumer that they are reporting informaion on. I have not been able to review the report they have on me or confirm any inaccuracies in their report. I want SageStream , LLC to stop violating my rights and to produce a copy of my report and confirmation of the security freeze I originally requested.
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48083	Web
On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank XXXX unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXXTHIS IS FRAUD
07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 64151	Web
We purchased a vehicle in XXXX from XXXX XXXX, who contacted XXXX XXXX for funding. We were denied credit through XXXX because of a report from Sagestream , LLC, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the XXXX 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken XXXX over two months to send us any notification.Have been told by others XXXX approves only wealthy people. XXXX needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. Sagestream needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and Sagestream to file reports with The Consumer Financial Protection Bureau.
09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OK 73034	Web
I am trying to get in contact with SageStream , LLC to place a security freeze on my credit report but they will not return my calls nor answer their phones. I have left a voicemail the past three days and they state that they will get back to you within one business day but they just are not doing it. There call goes straight to voicemail every-time like they do not return your calls to begin with and I do not believe that they are busy every single day that I call in so they are just refusing to answer phone calls from consumers. This credit reporting agency that is not well known is basically hidden like they do not want us to know about them. This needs to be looked into. Apparently XXXX, XXXX, and XXXX are not the only ones. Please look into this as I have read nothing but complaint after complaint, after complaint about SageStream , LLC. I want my credit report frozen through them. They need to add this feature online that way we are able to do it ourselves without having to call in.
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KS 667XX	Web	Older American
I was denied credit in late XXXX, XXXX. I requested my credit reports immediately, XX/XX/XXXX, from the three agencies who were involved in the denial of credit. Two of them responded immediately. StageStream, LLC at XXXX XXXX XXXX, XXXX XXXX, CA XXXX did not send my report even though I gave them the exact same information that the other two credit agencies received. StageStream has been making me jump through numerous hoops to obtain the credit information they have on me. I have had to write them three times since XXXX. On XX/XX/XXXX I provided them the information they requested but apparently they wanted more. The last letter I wrote to them was on XX/XX/XXXX. With that letter, I included a photocopy of my driver 's license. It is now XX/XX/XXXX and I've heard nothing from StageStream. I want my credit report from them and because of all the hassle they have given me on this, I want them fined or penalized in some way for their handling of this matter. Thank you for your assistance.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 981XX	Web
I am attempting to freeze my reporting account and the process is making it nearly impossible to do. Not only is it not possible to contact a rep on the phone or freeze my account on the phone or online, But when i printed out the paperwork to fill it out and mail the notice of dispute form, It asks for my Consumer report number. Which I don't know. I don't know if that is something specific to sagestream or if its something more general. So i went on the sagestream website and attempted to attain my consuer report number from them online. But once I filled out the information the only option was to have it mailed to me! Than I found the contact us link in attempt to email sagestream to ask them to stop holding my consumer report number hostage but prior to submitting the email it asked for my " case number '' Which I do not have! So I was stuck and unable to even send an email. I believe this company is purposely trying to make it difficuilt for people to freeze their information.
03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CA 92591	Web
Sage Stream will not send me a copy of my consumer file. I requested a copy of my consumer file via their website in XXXX of XXXX. They sent a letter that they needed additional address verification proof and I sent the documentation via certified mail on XX/XX/XXXX. I never received a response or a copy of my consumer file. I sent another request via their website on XX/XX/XXXX. I received a letter on XX/XX/XXXX asking for the same proof of address documentation as before. I attempted to fax per their instruction, but the fax number had a " line fail '' error code each time I tried to send. So, I sent the info via mail ( along with that same info for the request for a security freeze ) on XX/XX/XXXX. To date, I still have not received my consumer file. All of the requests/back up documents were submitted in the same envelope and the security freeze was placed on my file, so that confirms that they have received all of the information. Yet, they still have not sent me my file.
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TN 38138	Web	Older American, Servicemember
On XX/XX/2020, I applied for a credit card with XXXX. This activity is managed by XXXX XXXX. On XX/XX/2020, in an email response, I was informed " Your request was denied for the following reason ( s ) : Unable to access credit bureau due to freeze or lock ''. In another section of the email message, it identifies the reporting agency as SageStream , LLC. While it is true that I have placed a freeze on my credit report with XXXX, XXXX, and XXXX, I was not aware SageStream existed as a credit reporting agency and as such, would not have known to request a freeze with this organization. I attempted communication with SageStream LLC and while a phone number for Customer Service is published, interaction is entirely via voice prompt and there is NO OPTION to talk with a real person for issues that are not included on a narrow list of services. My application for credit to which my credit score would entitle me is being rejected as a result of SageStream consumer relations practices.
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30120	Web
I applied for credit ( car loan ) with XXXX XXXX on XX/XX/XXXX, 2017. I received notification in the mail that their credit decision was, in part, due to information received from SageStream LLC. I monitor my credit score with the known credit reporting agency XXXX and XXXX. I have never heard of SageStream and am not comfortable with providing my personal information such as a copy of my driver 's license and social security card to obtain my credit report from them. Is this a known, reputable company? How can a company just appear out of nowhere and be a credit reporting agency and have access to such personal information? What makes me really concerned is that the letter also said key factors that adversely affected my credit score from this particular agency is limited history for consumer at address. I have lived at the same address for XXXX years and if this was a legitimate company, I would expect them to know that. Please investigate this company as something seems wrong.
12/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43068	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
01/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43206	Web	Servicemember
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
03/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ XXXXX	Web
In response to complaint XXXX : Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. this has been going on for 6 months. I submitted the documents that suitable to verify my identity. by certified mail certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure to continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me this will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my 2 requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy 4th and final request.
10/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76092	Web
After I found out that a credit card issuer pulled a report from Sagestream I immediately contacted them via Fax as mentioned on their website alongwith identification requirements.and requested them to provide a copy and also freeze my credit report. This was sent on XX/XX/2019. After 10 days elapsed and no response from Sagestream I decided to call but was prompted by automated system to leave a message and that they will call back in 1 business day. I waited 1 week for response and repeated the process 4 times at weekly intervals but never heard back. Then I faxed the documents again on XX/XX/XXXX and finally sent a letter via USPS certified mail on XX/XX/XXXX and received acknowledgement of receipt of the letter but still no response. In summary, I have faxed twice, called and left message 4 times and sent documentation via USPS certified mail once and there is absolutely no response from the company. It is now 6 weeks from the first time I tried to contact them.
01/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX CT, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
12/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43224	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX Independent XXXX LLC My current and only address XXXX XXXX CT, XXXX, OH XXXX the following addresses are not mine please delete them. XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15010	Web
On the XX/XX/XXXX I received a letter in the mail stating I was denied a loan. One of the companies I felt had completely false information on me. For instance, in the documents attached it says that I had too many recently opened accounts, I have no idea what they mean I only opened one credit card and that was in XXXX of this year roughly. While I don't necessarily contest the fact that I don't have enough experience with loans I do have a line of credit active that I've had for the past two years and and credit card for roughly the same time, so what exactly is a time period they define as " experienced enough ''. Another point that I'm asking for clarification is how exactly does " too many inquiries adversely affect a person 's credit score? I left a voicemail on the eve of the XXXX stating for the company to call me and if I did not receive an answer by XXXX XX/XX/XXXX. Monday ( today ) I'd file a complaint with the Consumer Financial Protection Bureau.
02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89141	Web
I was denied credit on XX/XX/2019 by XXXX due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX should be using such a company for their credit checks.
01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43229	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89121	Web
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43220	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
12/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 448XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
02/17/2016	No	Credit reporting	Incorrect information on credit report Information is not mine	KY 660XX	Web	Older American
I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.
10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 336XX	Web
I intitially placed a security freeze on my credit report through Sage Stream in XXXX. I now am trying to remove the security freeze as I am in the background process for a new career and must remove the freeze for the company to access my credit report. I have called over 20 times, left 5 voicemails between the dates of XXXX nad XXXXXX/XX/. I have faxed in twice my information to remove with the PIN and proper information and no return phone call. The phone directory routes all calls to a voicemail, or to say that all Sage Stream Reps are on another call. I have reached out to the Customer Service Director via XXXX and was told to call Sage Stream and the " team '' would help with my removal. There is no team to do this. This is absolutely illegal, immoral, unprofessional and ridiculous that a credit reporting agency can string out a consumer in this regard. This company has no right, and should be closed down because I know there are thousands others.
08/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	GA 30041	Web	Older American
XX/XX/2018 ... received a denial letter from XXXX XXXX for request of credit ... XXXX denial, aware of due to credit freeze on all three credit reporting bureaus. In addition to XXXX, denial by XXXX , XXXX?????? Who is this?????????????????????? We have had a credit freeze on the three agencies we are aware of and instructed to freeze to avoid identity theft - have NEVER heard of this XXXX? In addition to the surprise of finding this company, they have our credit score at XXXX of a XXXX high score!!! Really shocked now! We have had credit for over 40 years - owned 16 homes, multiple auto and revolving loans - NEVER paid late in all those years! The reasons for this score are absolutely absurd!! These credit bureaus need to reflect credit history on someone's social security number and years of credit! We have been in the mid 800 's for years and years on the other agencies. This company should NOT be allowed to be in our business without notification.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92376	Web
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. XXXX XXXX EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WI 53406	Web
Both XXXX and XXXX are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on XXXX they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately
10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NH 031XX	Web	Servicemember
On XX/XX/2019, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. On XX/XX/2019, I called and left a message - the message stated my call would be followed up within one business day. It was not. On XX/XX/2019, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. On XX/XX/2019, There appeared to be an online portal, which allows you to request to freeze your reports. ( which was not there previously, or if it existed, was well hidden ) I did this, and wrote another letter, which was faxed. I have provided copies of the Fax Sent receipts, along with a copy of the USPS Certified Mailing, showing the items were delivered. As of XX/XX/2019, no reports or required PIN has been provided to me.
07/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 44095	Web
Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
01/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90066	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	OK 73071	Web
A relative was denied credit and one of the reporting sources was a company called XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX. I keep a close watch on my credit reports, and I had never heard of this company. Assuming they have credit information on me I went to see if I could get my credit report in the usual way, through XXXX. This company is not even mentioned there. There is a process to get a report directly from them, but it is much more invasive and complicated. Reading online, I see many people complain that this company 's credit scores are hundreds of points below the average at the other three reporting agencies. They also report difficulties getting straight answers on what constitutes a " good '' score, and even what contributes to their scoring. I am very upset that I can not examine what information they have about me through the usual reporting process at XXXX. I think an investigation of this company is warranted.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 864XX	Web	Older American
On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXXXX/XX/XXXXThe purchase was completed. A few days later I received a letter from XXXX XXXX, advising me that they denied offering a loan to me because of my credit score of XXXX ; research by SageStream LLC. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by XXXX was contrived by them. It should be noted I've had a RV vehicle loan for the last XXXX with XXXX. ( never a late payment ) I was using the RV as a trade in for the XXXXXX/XX/XXXX I was purchasing. I've filed a dispute with Sagestream LLc as well. The info listed with them is not different from XXXX and XXXX XXXX. I personally think XXXX XXXX With SageStream collaborate on with whom to grant loans to. The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY XXXX XXXX
03/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 180XX	Web
This complaint is regarding Sagestream Services failure to provide a credit report and show common decency toward a consumer. In a letter dated XX/XX/2020, XXXX XXXX informed me of an adverse action on my credit card application based off information provided by Sagestream. The specifics did not make sense so I decided I would reach out to Sagestream to check for errors on my report. In a letter dated XX/XX/2020 I contacted Sagestream requesting a copy of my credit report and received no response. On XX/XX/2020 I called Sagestream and left a voicemail but received no response. On XX/XX/2020 I also called Sagestream, left a voicemail, and received no response. Finally I sent another letter by certified mail on XX/XX/2020 which Sagestream received on XX/XX/2020. As of XX/XX/2020, I have received no response. This is my first time formally reporting Sagestdream, but my experience in the past and present is that no one communicates from the company.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95928	Web
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 02302	Web
Hello, I am making this complaint to get false negative items removed from my credit report by the XXXX credit bureaus ; XXXX, XXXX, XXXX. During the month of XX/XX/2019 and XX/XX/2019, On my credit report there were delinquent late payments recorded on my credit report from XXXX XXXX. I have contacted each of the XXXX main credit bureaus with no response from either company. I need these negative items removed from my report immediately. Also, I had contacted XXXX XXXX to remove these false negative items from my report. Recently they had contacted me back stating they would contact the credit bureaus to remove these from my reports. Although, I have not heard from them ever since then. Can you please aid me with this and contact XXXX, XXXX, and XXXX to remove this from my account? Attached now is the letter from XXXX XXXX stating that they would remove these negative items. Can you please contact them and have these removed. Thank you, XXXX
04/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32583	Web
They are saying my score is XXXX. My XXXX XXXX and XXXX are more than 200 pts more than that my XXXX score is way higher than that. They are saying I have had to many address changes I have lived 3 places the last 20 years of my life. Last time I changed address was 2014 when I moved 5 miles away to a new house same city. Been at my current address for 6 years. They are owned by ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous. They obviously provided that information to ID Analytics which supplied it to SageStream and that's what they are using to compiled their version of my " Credit Score. '' I stopped paying XXXX and had many issues with them feel as though this is some kind of illegal retaliatory measures on their part.
04/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44060	Web
I applied for a credit account through XXXX XXXX Bank on XX/XX/19. They received a credit report from a company called Sagestream , LLC stating that my credit score was XXXX which was communicated to me in a letter that I received XX/XX/19. This is grossly inaccurate as a quick check of XXXX shows XXXX, XXXX shows XXXX, and XXXX shows XXXX. XXXX was also at XXXX before the hard inquiry that resulted from applying for this credit line. A quick search on XXXX XXXX shows that I am absolutely not the first to have this exact issue with Sagestream , LLC and users who have tried to contact this company were prompted to send over sensitive information such as social security numbers which is against all recommendations from the financial advisors I have visited. This company should not be allowed to continuously report wrong scores to credit companies as it has resulted in I and many others having been denied after taking a hit from the hard inquiry.
12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92627	Web
I applied for a credit card through XXXX XXXX but was denied and received a letter from XXXX XXXX saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and XXXX, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from XXXX saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and XXXX XXXX has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 19111	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
03/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NJ 08046	Web
I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation I have been asking for. Copy of my consumer report and a freeze on my report with confirmation. Sagestream keeps mentioning credit report and my request has been for consumer reports which I am in entitled to request according to the fair credit reporting act. I have done this via certified mail on three different occasions they reviewed my mailman request they would have known. Sagestream is in violation of the FCRA and NJ FCRA I will seek remedy through legal means including damages for willful neglect and financial harm
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77095	Web
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
12/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 458XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am the XXXX of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX STE XXXX, XXXX, GA XXXX
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77070	Web
Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my XXXX and XXXX, SageSteam reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of XXXX, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CREDIT, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 245XX	Web	Older American
I received a very low credit score ( compared to XXXX, XXXX, and XXXX ) from this company, SageStream , LLC. When I tried to call them at the number provided, I could not speak to a human, only leave a message. When I tried to request a detail of their report on my credit history online, the system abruptly shut me out and directed me to their phone number where, again, there was no option to speak to anyone. I've never heard of this company and, sadly, it was required that I supply them my birthdate and social security number online to gain access to my report ( which, as referenced above, was not shown to me ). Online complaints about this company are numerous! People 's credit scores are being trashed and, when they inquire why, SageStream , LLC tries to sell them credit fraud prevention services. I never got that far ; but the outgoing message on their voice mail says someone will get back to me within 24 hours. We'll see ...
08/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 66213	Web	Servicemember
I monitor my credit as I am rebuilding my credit to purchase a home in the near future. Over the past month XX/XX/2019 SageStream LLC who now proclaims to be one of the 3 major credit reporting bureau 's has been shown on my credit reports, conducting a hard inquiry when I have not authorized them moreso ever heard of this company to apply for anything from them. Furthermore as I explained to several representatives at Sagestream is that, XXXX, XXXX, and XXXX doesn't practice any of these unlawful acts, showing they're a third party creditor who is making continuous hard inquiries without consent, without cause, and more importantly damaging the consumers credit. Last but not least, sagestream was damaging to my reputation, provided false information regarding my real average credit score that ultimately cost me time and money. Sagestream stated publicly my credit score was 206 points lower than what XXXX, XXXX, and XXXX had reported.
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 87121	Web
I applied for a car loan on XX/XX/XXXX of 2020. I was sent a denial letter, based on information from a credit reporting company called SageStream LLC. I have never heard of this company, and I did not give them permission to report on my credit, or to have an information file under my name in any way, shape or form. This company is a hidden credit bureau that secretly collects information for companies to use, in order to charge much higher interest rates to consumers. Being that I was a victim of identity theft, the accounts listed in the report from SageStream, should not be on my credit account in any way. Since the company has chosen not to make itself known to consumers, it is impossible for a consumer to maintain the accuracy of such a credit report. Once again, I have never had knowledge of a credit reporting business named SAGESTREAM, and I DO NOT give them permission to report to companies with my personal information.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web	Servicemember
I contacted XXXX, XXXX XXXX, Sagestream LLC., via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. Sagestream has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36116	Web
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	DE 19904	Web
I received a letter from SageStream, XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, dated XX/XX/2021, informing me that it was a confirmation that a security freeze was placed on my SageStream LLC security file. AnPIN was provided in order to remove the freeze. However, I dont have any knowledge of who this business is. I contacted XXXX to place a fraud freeze on my account and can manage it via their website. The business is tricky in that you can not call and speak to anyone. You have to do everything on line. In order for me to remove the freeze, I have to submit my SSAN, photo of my drivers license showing my date of birth, and address and telephone number and I did that on XX/XX/2021 but the freeze has yet to be removed. My concern is I only contacted XXXX and am not sure how or why SageStream would put a freeze on my account. This business needs to have personal contact with legitimate customers who may have questions or concerns.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74464	Web
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681. According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. Account : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
01/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	OR 97303	Web
On XX/XX/2021 I applied for a credit card through XXXX XXXX XXXX XXXX XXXX for a 10 % discount on a purchase. They turned me down and in the letter I recieved about 3 weeks later they said my it was because : To few revolving accounts, To few bankcard accounts ( I have several ), Distance between applicants address and area code of phone number ( my area code is the correct one for my address ), Number of inquiries ( I have had no inquiries in about a year or better other then automatic ones from my active credit cards and my morgtage ). In the refusal letter my credit score was said to be XXXX. My current XXXX credit score is XXXX and has been that way or even better for many years. I feel very strongly that XXXX XXXX is just collecting my personal information and that the company who they use for credit reporting just gave me lies. My complaint is against the following : XXXX XXXX XXXX XXXX Sagestream/XXXX XXXX XXXX
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MT 595XX	Web	Servicemember
This is a copy of the letter I sent to SAGESTREAM : To Whom It May Concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, " SAGESTREAM '' never responded or complied with my request. I will send them the letter again via certified mail. NOTE : I HAVE ALSO CALLED THEM 2 TIMES AND LEFT A MESSAGE. I NEVER RECIEVED A CALL AS OF TODAYS DATE.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	DE 19977	Web	Servicemember
I applied for a loan through XXXX XXXX XXXX and received a letter approving the loan. However, one of the credit reporting agencies Sage Stream, LLC [ www.sagestreamllc.com ] was unknown to me as on e of the major crediting reporting bureaus. I reached out to Sage Stream LLC at XXXX. This company is trying to create a data base of users asking for personally identifiable information, ( PII ). After researching this company via reviews i.e XXXX and XXXX XXXX. It appears that this is an attempt at predatory lending, as the reviews consistently show that their credit reporting modules are lowering consumers credit scores at least 200 points lower than the three major credit reporting. This gives the lenders an opportunity to charge a higher interest rate for a loan. It is my opinion that as a result of XXXX XXXX XXXX using Sage Stream LLC, I was charged a higher interest rate for someone with my credit standing.
11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 222XX	Web
The company XXXX XXXX appears to be creating credit reports with purposely low scores, which are then used by banks to demand higher interest rates and terms less favorable to the consumer. For example : I recently purchased a XXXX and authorized the dealer to run a credit check for the purpose of soliciting offers from banks. My XXXX score is XXXX, but my XXXX score was XXXX ( on a scale of 1 to 999 ) and cited factors related to time at phone and address, too few installment accounts, total account balances, etc. XXXX XXXX then sent me a letter informing that due to my credit information, they could not grant a loan on the transaction as submitted, but would be willing to do it on modified terms that had been submitted to the dealer. Searching online, I found that others had had the same problem with these two institutions. I ultimately did not use XXXX XXXX, but wanted to inform you of this potential scam.
02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 787XX	Web
We applied for a car loan and were turned down because the auto dealer requested information from SageStream. We were told that we had a very high score XXXX XXXX XXXX from SageStream which was unusual, but that there was questionable information on our account : From the 3 major Credit Reporting agencies we have scores in the 800s! " Length of residence too short '' ( We have lived in our house for 28 years! ) " Not enough bankcard dept experience '' ( We have the highest rating on all our credit cards ) " Limited history for consumer at this phone '' ( We have had the same phone # since 1992, what # do they mean? '' " Time since most recent revolving account established '' ( What ... credit cards with zero late payments over years and years don't matter? ) I have read numerous complaints about this company and I would like to know why they can not be shut down!! Just go on line and read the angry comments.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23324	Web
Since XXXX, XXXX. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me XXXX, XXXX XXXX and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 78570	Web	Older American
XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 78628	Web
I was denied credit from a company who stated I could get a free copy of my consumer report from the consumer reporting agency below. I wanted to know what was in the report to find out why I was denied credit. I have tried to get a free copy of my consumer report from the following company for a couple of months ( XX/XX/2019 and XX/XX/2019 ). I called the company and left a message for them to call me back several times. They never called me back. I finally sent them a letter requesting my consumer report on XX/XX/2019. I sent the required identification information with the letter. I have not heard from them. It has been over a month. They have a website with a form to request your consumer report, but I did not want to put my social security number on the form and send it over the internet. The consumer reporting agency is : Sage Stream, LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.sagestreamllc.com
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 473XX	Web
XX/XX/XXXX. Went to buy truck. XXXX XXXXXXXX, said approved at XXXX XXXX XXXX XXXX an XXXX XXXX XXXX. Then received letter from XXXX XXXX saying I was denied. Said they used SageStream, where my credit went from XXXX at XXXX, to XXXX at SageStream. I am complaining about Sagestreams Reasons of key factors that adversely affected your credit score. They said I had limited history at address and phone, length of residence too short, and limited history at phone and too few active accounts. This is All false. I have 10 active personal account. I have lived at same residence with same since XXXX and same phone number over 20 years. Never been late on any payments in last 30 year. Who is SageStream? Are they legitimate? On their web site they want my drivers license, social security card and recent bill to even look at complaint. Tried to call wont call back. Also on paper from XXXX has wrong street address.
04/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WV 268XX	Web
I have tried on numerous occasions to place a security freeze on my credit profile that this company maintains. On two different times over the last three months I faxed in the security request form from their website. Additionally during the same 3+ month span I twice submitted the security freeze request using the companies online platform. I have still no received correspondence on the outcome of any of these requests. I have called to company at the registered number at least 5 times, leaving voicemail messages and have not received a follow up call or any writing response. SageStream LLC is not responsive of my request and I demanding that they place a security freeze on my consumer profile and furthermore do not want them data mining any future information of mine. I also feel that they are in violation of the FCRA and FDCPA and should have to compensate me under willing violation of these acts.
08/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46545	Web
I received a letter from SageStream LLC stating that my application for a XXXX XXXX XXXX Credit Card was not approved because " consumer associated with too many phone changes '' and " Limited history for consumer at this phone ''. It seemed fishy because I've never applied for a XXXX XXXX card and why would my phone have anything to do with a credit decision? Not to mention, I've had my landline phone for about 12 years and my cell phone for nearly 9. In order to freeze them, they require me to mail them proof of my social security number, birth certificate, and drivers license, all ideal ways to steal my identity. In addition, they state that my credit score is XXXX out of XXXX, which is drastically lower than my actual credit score. I tried to call them multiple times, but the unprofessional voice prompts would never actually connect me to a real person. So, I gave up and chose to report them here.
11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 707XX	Web
On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 2.limited credit history 3. Proportion of satisfactory trades too low??? THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 452XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
02/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 432XX	Web
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX , XXXX, AL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NY 14224	Web
Applied for vehicle loan. Received denial letter from XXXX XXXX citing, specifically, SageStream LLC. SageStream 's score was significantly lower than other scores. While this may be true, I attempted to obtain my free report from SageStream. Website provides 2 options for obtaining report : " If you would like to obtain your consumer file, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 ) submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' I contacted the phone number. The automated voice message directs a caller to go to the website to obtain a consumer report. I have made no further attempts, as the information is conflicting and deceptive. While I have serious questions about SageStream 's credit score practices, I can not get to that point without easily obtaining my consumer report.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89148	Web
Per FCRA, as a federally protected consumer, I am now opting out of any or all authorization that I the consumer may have given you written, non-written, verbal, and/or non-verbal per 15 U.S. Code 6802. " ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
In accordance to the Fair Credit Report Act Capi/ XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
02/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43085	Web
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OK 741XX	Web
I have attempted several times to place a security freeze on my SageStream report. I sent a signed letter on XX/XX/19 to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. In the letter I stated that I was requesting a security freeze. I included my full name, address, phone number, social security number, and date of birth. I also sent a copy of my driver 's licence and recent water bill. This request complied with the criteria outlined at https : //www.sagestreamllc.com/security-freeze/ After approximately 30 days, I began calling. I called on XX/XX/19, XX/XX/19 and XX/XX/19 but the company only has a voice message. I attempted the number listed on Sage Stream 's website : ( XXXX ) XXXX. A consumer can request a security freeze by 1 ) mailing in a compliant request, OR 2 ) calling the number listed on the site. I have attempted both and have been unsuccessful.
11/22/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 60193	Web
On or about XX/XX/2019 I applied for a loan purchase a new automobile. The dealership processed the loan to XXXX XXXX and XXXX XXXX. Both companies used Sage Stream LLC and XXXX for credit scores. XXXX reported a score of over XXXX and Sage Stream reported XXXX. I was sent letters from XXXX and XXXX XXXX about this to explain their declining credit for the car. Since XX/XX/2019, I have attempted to contact Sage Stream by phone at XXXX XXXX to 15 times at various times of the day. They do not answer their phone, but take a voicemail which they say will be answered within a business day. I have never heard from them. On or about XX/XX/2019, I submitted through their website a request for 1 ) a copy of my credit report and 2 ) a freeze on my credit report. Their website states that I will mailed the requested reports. As of XX/XX/2019, I have not received anything from Sage Stream.
11/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MD 21114	Web
I have tired to place a security freeze with Sage Stream! I was unaware that this entity, has & shares information about me with other entities. I reached out to this company to No avail! Ive mailed them the documents from their site requested to implement the security freeze, on top of calling number ours times durning their schedules business hours without any success of reaching them. Theyre recording states theyll contact you back within 24 hours and that hasnt happened either. This company I feel is a fraudulently company has access to my personals information/ identity without my consent or prior knowledge and I dont give them permission to share any information they have of mines against my wishes. Furthermore the information i believe they have isnt accurate! This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.
01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48239	Web
This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX complaint. I am maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. Please remove this error from my credit report as soon as possible. Sincerely,
02/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43229	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX , il XXXX XXXX XXXX XXXX XXXX XXXX , il XXXX, XXXX XXXX XXXX XXXX , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX Please remove my number from my credit report thats not : XXXX
01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 70122	Web
I have tried to place a security freeze with Sage Stream. I was unaware that this entity, has and shares information about me with other entities. I reached out to this company to no avail. I've submitted the documents on their site requested to implement the security freeze, on top of calling numerous times during their scheduled business hours without any success of reaching them. They're recording states they'll contact you back within 24 hours and that hasn't happened either. This company I feel is a fraudulent company, has access to my personal information/ identity without my consent or prior knowledge and I don't give them permission to share any information they have of mines against my wishes. Furthermore the information I believe they have is not accurate. This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.
12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43213	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX CT , XXXX XXXX , IN XXXX
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35603	Web	Servicemember
The consumer reporting companies known as XXXX XXXX and Sagestream LLC have reporting incorrect info for the last months when I applied for credit and loans through several different companies. I applied to these companies base on being pre-approve base on my XXXX credit score. I paid off all off my charge accounts and debts in XX/XX/2021, but none of what I paid off is reflecting on XXXX XXXX and Sagestream LLC. each still have stuff on my report over XXXX years old or stuff that has not been updated as paid. I am very upset because I recently was discharge from bankruptcy and a number of debts was paid off and cleared as a result of the discharge in XX/XX/2021. I need to know why these companies have not updated my credit files. This continue to damage my abilities to apply for credit. I have work very hard to repair my credit for this to cause problems now. I need this fix ASAP
03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 127XX	Web
SageStream , LLC told XXXX XXXX that the key factors for my credit score of XXXX which I know is in the 800s was the number of utility inquiries ( not true ) also not enough bankcard dept experience ( not true ), lack of history at this address ( I have lived at this address for over 30 years and own my home ) Also discrepancies in historical identity information? ( what is that? ). Then they went on to say the inquiries did adversely affect the score. I'll tell you what I think is going on with this low score, by giving XXXX XXXX a low score for me I would have to pay XXXX more money for credit. This is very dangerous for big companies to behave this way when you pay your bills and do the right thing and go with out because you pay your bills on time. Also I contacted XXXX and the other two big credit reporters and SageStream never contacted any of them for my credit report.
04/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08088	Web
I was shopping for a pre-owned vehicle with a reputable dealership not too long ago and was denied a loan because although 2 of the big three credit reporting agencies had my scores in line with what I expected, this dealership chose to send my credit application to XXXX Bank who uses a company call XXXX XXXX for its credit reporting. My score is completely low with this small agency and I have never heard of them nor have I given them my consent to investigate my background. I had to put a stop with Ally to ever accepting a credit application with my name on it simply because this little company was dragging me down. In terms of how they obtained my score and where this information came from, I have called and written time and time again, to no avail. Please stop this, what I see to be, a fraudulent company from continuing to being allowed to partner to large banks. XXXX
04/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OR 97305	Web
I went to buy a car on XX/XX/2020 and the dealership ran a credit check with XXXX XXXX. XXXX XXXX ran my credit score and XXXX had me at XXXX and Sage Stream, LLC. had me at XXXX. I researched and read reviews online and I found that Sage Stream, LLC. wants personal information to dispute and I don't want to give it to them if they are a fraud company, so I figured I would file a complaint with the Consumer Financial Protection Bureau to protect myself first. There is no way they can be on an island of their own over 300 points away from the other reporting agencies, I don't understand how they can be a reporting agency if this is what they are doing. Regardless, please look into this company because several others on XXXX XXXX at the link I have provided ( XXXX XXXX XXXXXXXX ) seem to have the exact same scores, so Sage Stream, LLC. just gives the same score to everyone.
11/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43227	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
01/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43230	Web
I would like to update my credit file properly due to the fact someone had use my ID back in2019. I see my name is still spelled wrong and there are SS # that are not mine as well asaddresses that do not belong to me. Please delete/remove the following names : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Mycurrent and only addresses is XXXX XXXX XXXX XXXX OH,XXXXPlease delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX OHIO XXXX XXXX OHXXXX XXXX XXXXXXXX XXXX XXXXOH,XXXX XXXX XXXXXXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information thatdoes n't match.
01/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY XXXXX	Web
On XX/XX/XXXX, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. On XX/XX/XXXX, I called and left a message - the message stated my call would be followed up within one business day. It was not. On XX/XX/XXXX, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. On XX/XX/XXXX, There appeared to be an online portal, which allows you to put a security freeze on your reports. I did this, and wrote another letter, which was sent via USPS certified mail. I have provided copies of the USPS Certified Mailing, showing the items were delivered. As of XX/XX/XXXX, No Security Freeze or Fraud Alert requests has been provided to me!
08/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43081	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	OK XXXXX	Web	Older American
On XX/XX/XXXX and XXXX, 2020, I received 4 identical letters from SageStream dated XX/XX/XXXX where they stated that they " received ( my ) correspondence in which I request to opt-in to received prescreened offers of credit and insurance. '' I never heard of them before, never contacted them to opt-in to anything, and certainly never opted-in to any offers as they describe. The letter goes on to state that I notified a consumer reporting agency that I believed I was a victim of identity theft. Several years ago I was notified that my information was in a security breach and I did place a credit freeze for a while, I have never notified anyone that I thought I was a victim of identity theft. I don't know what they are trying to do, but this feels like a scam. Therefore I am filing this complaint. I will be contacting them to opt-out of said program. Thank you.
12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28562	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43211	Web
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
12/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 115XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77429	Web
I recently purchased a new vehicle ( XX/XX/2020 ). My credit was run for financing as well as my husbands credit as he is the co-applicant. We both received a letter from XXXX XXXX stating that they could not finance the loan because of credit scores. My XXXX score is accurate ( XXXX ) but Sage Stream LLC listed my score as XXXX. My husbands score with Sage Stream LLC was XXXX. " Limited history for consumer address and phone '', " length of time since most recent delinquency too short ( I am disputing a medical bill ) '', among others. Over 100 point difference in credit scores! I've never heard of this credit reporting agency and it is shocking that a major company like XXXX would depend on bogus credit scores to determine financial eligibility. This also makes me question if I would have gotten better financing on my vehicle if Sage Stream LLC was not involved.
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 11758	Web
I applied for credit on XXXX through XXXX XXXX. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from SageStream LLC is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. Thank you
09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web
The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me. This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92376	Web
Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request. Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.
02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 622XX	Web	Older American
I received a denial letter on XXXX XXXX, 2019, from XXXX XXXX for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have XXXX XXXX is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?
05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	OH 44129	Web
Via written letters, I have twice requested my credit report from SageStream , LLC, which states on its website that it " is a consumer reporting agency that is regulated by the Fair Credit Reporting Act. '' A SageStream report was used in a decision by a creditor to deny me credit. Therefore, pursuant to federal law, SageStream is obligated to provide me with a free copy of my report. I sent the written requests on XX/XX/2020 and XX/XX/2020. My first request was sent to the SageStream offices in both XXXX XXXX, CA and XXXX, AZ. My second request was mailed to its preferred address in XXXX XXXX. SageStream has failed to provide me with my credit report as required by federal law. Any claim by SageStream that coronavirus has impacted its ability to generate my report is bogus due to the fact that my requests were made long before any state shutdowns.
11/10/2017	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	CA 93030	Web
I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.
06/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 775XX	Web
In late XX/XX/2019, I contacted XXXX XXXX XXXX about TV and internet service. I was told i would have to pay a large non refundable deposit. They claimed my cretit score was too low. I received a letter the following week from XXXX XXXX XXXX stating that a company named Sage Stream gave me a credit score of XXXX out of XXXX. I requested and received my credit report from a company named XXXX XXXX XXXX who apparently contracts with Sage Stream to do the credit search. The credit report was excellent, yet Sage Stream gave me a very low score. My current credit score from XXXX is XXXX out of XXXX. I have now tried contacting Sage Stream no less than 6 times to resolve this matter but to no avail. Any help you can give me to resolve this dispute would be greatly appreciated. I will also be filing a complaint with the Texas State Attorney Generals office.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 900XX	Web	Older American
In XX/XX/XXXX, I submitted a credit application with XXXX XX/XX/XXXX for a XXXX XXXX XXXX for a mattress set purchase on XX/XX/XXXX for the approximate amount of $ XXXX dollars and about one ( 1 ) year with XXXX finance charge if paid in full. I was denied. Today, XX/XX/2021, I received a letter from XXXXXX/XX/XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. THIS is an out-right LIE. I have a few XX/XX/XXXXaccounts and my My Credit is IMPECCABLE. Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency Sagestream , LLC, XXXX XX/XX/XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MO 63021	Web	Servicemember
SageStream , LLC, Consumer Office,XX/XX/XXXX XXXX, XXXX XXXX, CA XXXX provided FALSE and libelous information to XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX XXXX for an application for an XXXX credit card that I've held before. All credit bureaus XXXXXX/XX/XXXX, and XX/XX/XXXX) all state my score as a XXXX. SageStream , LLC, falsely and libelously states my credit score as a XXXX out of XXXX. I am a permanent federal employee serving the medical mission of the federal government previously at DoD and VA and my job requires me to move frequently. SageStream , LLC used my movement and change of phone numbers as a permanent federal civilian employee serving during the pandemic TO DENY MY CREDIT. IF XX/XX/XXXX and XX/XX/XXXX state my credit worthiness as XXXX, where does SageStream , LLC get the XXXX number? It doesn't, SageStream , LLC LIED.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket # XXXX XXXX Source XXXX XXXX File Date XXXX Amount XXXX Status Date XXXX XXXX XXXX XXXX XXXX XXXX Action Type XXXX Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66614	Web	Servicemember
On or about XX/XX/2020, I applied for an auto loan. I was approved for a loan with an outrageous interest rate and monthly payment of {$800.00}. I was floored. I declined the loan. I was confused because my credit scores with XXXX, XXXX and XXXX are all XXXX at the time. A couple days ago I got a denial letter ( a month after ) from XXXX XXXX ( with whom I already have a car financed ) stating that they wouldnt finance me because Sage Stream had reported a XXXX for a credit score. This is bogus. Sage Stream is a company engaging in shenanigans with certain banks reporting lower scores so that the banks can charge higher interest rates. I advise anyone who sees this to go to the Sage Stream website and freeze their credit report with this company immediately. The authorities and Credit Reporting Agencies should file fraud charges on this company.
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 75071	Web
SageStream , LLC XX/XX/2019 Received letter from XXXX XXXX XXXX ( recently moved so set up service ) SageStream gave XXXX XXXX XXXX credit score of XXXX ( just bought a house and credit score was XXXX, so way off ) XXXX XXXX XXXX directs me to SageStream. Call SageStream and you have to leave message - no reps available which is odd. Or you can fax/email all of your personal information ( driver license, social security number, address, etc ) which is not a secure method to send this type info when you can't get a hold of anyone at the company. I've read similar reviews about this company ( SageStream ) providing very low credit scores - probably because they get kickback and then XXXX XXXX XXXX can charge {$190.00} credit management fee which is absurd when you have great credit. I will disputing this with both SageStream and XXXX XXXX XXXX.
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 60062	Web
Thre major Credit reporting companies XXXX, XXXX XXXX and XXXX reports Fico number on me between XXXX to XXXX and here is a compny call SageStream LLC scoring my name and my credit at XXXX as of XX/XX/2020. I was trying to cosign for a frien with good credit to get a car loan at a better rate of interst because I thought that my score been higher will help, is matter of fact at did the day that day we sign the contract the car dealer gave us the worst case % that will be charging. then on XX/XX/2020 I get a letter indicating that they regret to infor me that they can't agreed to the terms first writen in the contract beacae of the score I got from Sage Stream. When I try to contact them they don't have anybody I can ask about my score only if I give Lots of personal information to them, I was worn by XXXX XXXX not to share such information.
12/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43227	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
04/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TN 37087	Web
I have been turned down for credit. The letter was from XXXX XXXX. out of California. I have never even heard of this company. To get a copy of my credit from them I am required to send hard copies of my personal information to them by mail or fax. Well that opens me up to identity theft. Who are these people? What happened to XXXX, XXXX & XXXX. Why is it companies can access this information from who knows what company about me but I can not? This isn't the first time I have had problems. Companies can access this information on me in detail in a matter of minutes. They are showing my credit score lower than any of the other credit bureaus. Really? How many more anonymous companies are out there making up junk on me? And they are not even signed up with the Consumer Financial Protection Bureau. Who gives them the right to handle credit?
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43204	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 773XX	Web
SageStream , LLC - First the company alleges to be a consumer credit reporting agency. They appear to have information on me and submitted it to XXXX XXXX. I filed a credit freeze on all three credit bureaus and have consumer alerts on my file as well. This company is reporting adverse information that affects my credit score and the only way to identify what they are reporting is by passing them personal information, including my state or federal identification, ssn number, copy of utility bills, mortgage company and such. Since I don't know who they are and/or why they are not honoring my credit freeze or consumer alert and freely giving my credit history out to strangers ... .I am left with no recourse except to provide them first with information - which I shouldn't have to. They should be honoring my protections provided by law.
08/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address above. Please remove any telephone numbers that not XXXX
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MI 480XX	Web
On XXXX XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX XXXX XXXX in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of XXXX XXXX. Then Yesterday ( XXXX ) they made me aware of another credit reporting agency they used SageStream who are these people? I would like to file a complaint against XXXX XXXX XXXX, XXXX and Sage Stream for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33177	Web
I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	FL 334XX	Web
I have called SageStream no less than 10 times over the past few weeks and can not get a live person. There is also a prompt when calling, to have a SageStream representative return your call ( without losing your place in line ). No one has reached to me. After countless attempts by phone, I submitted an electronic request via email on XX/XX/XXXX and again on XX/XX/XXXX ( 2nd request ) for a Full Disclosure Consumer Report, Security Freeze, and SageStream Score. I followed the instructions from their very own Website and faxed my personal and sensitive information along with proof of identification ( driver license ) to SageStreams secure fax line ( XXXX ). I have yet to hear from them. They have not responded in any way ; not even an automatic reply confirming my request was received and will be processed in a certain timeframe.
09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 115XX	Web
I've called multiple times and sent via fax a request to receive a copy and freeze my credit report at Sagestream. First, they claim you can call in to request a freeze by speaking to a representative. I have called over 50 times during business hours and not once have I gotten through to a representative. It goes to a pre-recorded message. Second, they claim they will call you back within one business day. I've left multiple messages and the only time they've ever called me back was several business days after my first call. Unfortunately, I couldn't take the call at the time. After that one time, they never called back. Third, I submitted via fax a letter requesting a freeze and a copy of my report on XX/XX/21. I have not heard back. Sagestream is a joke of a business and CFPB is a joke of an agency to let this continue.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21222	Web
I applied for an auto loan. Sage Stream, LLC - XXXX XXXX was used through some of the banks listed on several of my CFPB complaints on file already. That credit score was half ( and much lower ) than what was reported by the other three credit bureaus. I just opened all of my notices from XXXX XXXX. There is no report attached. XXXX XXXX claims they could not verify my identity. So, they are unable to produce a report. How did the banks obtain that information if XXXX XXXX was unable to verify my identity? All legal documents were produced heavily with secondary and tertiary style identification. How am I supposed to dispute an alleged low credit score through Sage Stream, LLC - XXXX XXXX if they can't pull the report. And how were they able to provide a credit score to the bank, but I can not get a copy of my own report?
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77008	Web
I received a letter ( dated XX/XX/2020 XXXX from XXXX XXXX after applying for financing through a car dealership. The bank included credit scores from XXXX different companies. The score from XXXX was XXXX. The score from XXXX, a company I have never even heard of until now, provided a score of XXXX. There is only a phone number and an address listed for XXXX in the letter. I called the phone number, but there is no one you can speak to. You can only leave a voicemail. The factors listed for the score of XXXX are : Not enough bankcard debt experience Time since most recent revolving account established Length of time oldest bank revolving account has been established too short Too few installment accounts I do not see how these factors are relevant to me. I have had an active bank account with the same bank for over 20 years.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20603	Web
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98126	Web
I recently applied with a credit card to XXXX / XXXX XXXX XXXX. The agency they were using is SAGESTREAM , LLC with a creditor of XXXX XXXX. I have good credit ( XXXX according to XXXX ) - but was denied a credit card for murky reasons : Sage LLC Credit Score : XXXX Key factors that adversely affected your credit score : 1 ) Too many delinquencies ( I have no delinquencies ) 2 ) Number of inquiries ( No inquiries were made this year XXXX ) 3 ) Number of telecommunications inquiries ( I don't know what this is ) 4 ) Applicant associated with multiple phone changes ( I recently changed by cell phone provider because I moved, I have no phone delinquencies ) 5 ) Inquiries did adversely affect the score There is no way to contact SAGESTREAM or XXXX about this. I see others have had the same problem when I check the internet.
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60609	Web
I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and SAGESTREAM I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85013	Web
On XX/XX/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File. I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97213	Web	Servicemember
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX and Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and name XXXX XXXX XXXX XXXX XXXX and XXXX number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	VA 226XX	Web
I applied for XXXX XXXX credit card which is issued by XXXX XXXX. I was denied for the credit card and I got a response letter on the mail. When i opened the letter i noticed on the bottom of the letter said that as of XX/XX/XXXX my credit score was XXXX. I was in chock, because i knew my credit score was n't that low. I knew my credit was around the XXXX. So I checked my credit scored and based on XXXX information as of XX/XX/XXXX my credit score was XXXX. The reporting agency is XXXX XXXX XXXX. That was the reporting agency that XXXX XXXX used to get my credit score. XXXX XXXX. Provided false untrue and damaging information regarding my credit score, which lead the bank into an inaccurate decision. What they are doing is proving banks with false information, leading banks to inaccurate decisions. which is illegal.
09/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 109XX	Web	Servicemember
On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85258	Web
XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from XXXX XXXX and Sage CRA 's. Further on page 1, On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXXXXXX XXXX XXXXXXXX XXXX XXXX TheftXXXX XXXX paid XXXX NOT MINE. AND # XXXXXXXX XXXX XXXX XXXX XXXX DELETE its all FRAUD. You have wrong person. FCRA.
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77074	Web
I was denied a loan from XXXX XXXX in part from information provided by sagestream. They do not have an online portal where I can get a copy of my credit report from them. They do not have an online portal where I can report identity theft. They do not have an online portal to do anything. They easily gave my information to XXXX XXXX with out verification of a driver 's license or proof of residence. But they expect me to provide that to them to access my information that they shared. I am formally requesting a copy of my credit report from them. If they are unwilling to provide it, then they need to stop reporting information that I do not have access to. This is a violation of my rights as a consumer. They should not be allowed to report credit if they do not have ease of access like the other credit companies.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 24502	Web
-Improper use of your report ( shared without consent, credit inquiries from unknown sources ) -Unable to get your credit report or credit score -Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) I have been working on my credit for the past year and a half and I am very proud to say that credit score for all three credit bureaus have really jumped up into the high 600 's. However every time I apply for a car loan I am denied. It is due to the company Sage Stream LLC reporting incorrect information and saying that my credit score is only XXXX. This is very disappointing and unprofessional as they say they work very closely with the three major credit bureaus however the information the release of me does not reflect that and it is causing damage and false information on my name.
03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX XXXXX	Web
on XX/XX/2019 via XXXX Credit Card application decision ( denied based on 2 credit reporting agencies : XXXX, XXXX XXXX ). I was able to retrieve my XXXX credit report online without any problems. Since I have never heard of XXXX I faxed info for my credit report to them and have called them numerous times since XX/XX/2019 to see if they received the fax, yet no one answers at any time of the day nor have any of my msgs been returned. XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA. XXXX, Fax # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, with a physical address online as XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ). Also when I went online I found numerous people complaining about how they were scammed by this company. I have called them numerous times on XX/XX/2019 as well as on XX/XX/2019 without being able to reach anyone.
12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43224	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
05/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43227	Web	Servicemember
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
10/29/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	OH 452XX	Web	Older American
On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.
11/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 78210	Web
I applied for a loan on XX/XX/XXXX and was denied. The adverse action notice listed XXXX and Sagestream as two companies that " provided information that influenced [ the lender 's ] decision in whole or in part ''. I requested my credit report from Sagestream on XX/XX/XXXX, providing them a photo of my drivers license and a utility bill, because their online portal where I made my request required me to do so. Sagestream 's website states that my request will be processed within 7 business days. It has now been 15 business days ( 21 calendar days ) since my request and I have not received my report, nor have I received any communication from Sagestream. On the other hand, I requested my credit report from the other credit reporting agency listed ( XXXX ) on XX/XX/XXXX, and received it by USPS on XX/XX/XXXX.
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38118	Web	Servicemember
I have contacted sagestream XXXX times in a attempt to get a copy of my consumer report inwhich they are allowing access to my personal information that is in accurate and contains information used that has caused me to be denied credit and/or a hike in my intrest rate. As a reslult of me being denied credit i asked for a copy of my consumer report and the copy of the procedure that I must do to dispute wrongful information. The agent on the phone said they would provide me a copy and it hasbeen XXXX months and still no copy each time i am given an excuse why I have not received it. I was denied of a business loan based on there information provided to XXXX, XXXX and XXXX. I am the victim of identy theft on XXXX occassions. I should be allowed to stop the wrongful use of my information and to keep it accurate.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	NY 11787	Web
My credit rating is over 782 with XXXX. XXXX, XXXX, and XXXX XXXX all say in individual reports is good. However XXXX rejects for credit card cant tell you why they blame XXXX XXXX have to wait for letter. Get the letter XXXX blames Sagestream they says XXXX. Sagestream doesn't return calls or emails been calling since XX/XX/XXXX. XXXX and XXXX just blame SageStream If you look online and search Sagestream there are hundreds of complaints saying Sage stream reports low credit scores so lenders can charge higher rates. That appears to be true. I don't need or want the card now. However if they report out XXXX on someone with XXXX imagine what they do someone with average credit. This appears to be fraudulent behavior by XXXX XXXX and Sagestream to charge higher rates by saying people have lower credit.
05/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43017	Web
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO 631XX	Web
Sagestream is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer report. As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.
04/02/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43110	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93004	Web
I received a letter rom XXXX XXXX on XX/XX/2018 re my credit report from accompany I have never heard of called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WITH A PHONE AN website address stating my credit score was XXXX which I was astonished because I had no idea your credit score could even be that low. plus information that is not correct such as too many inquiries and length of time since most recent delinquency too short I called the phone number and they told me I could order report from them ..but I had to provide my full drivers lis, social security and other information that I feel could compromise my credit safety. I feel because their information Is in accurate they caused me to not be able to get credit and improve my credit score but my credit score has never been that low..ever
06/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43229	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 2.XXXX XXXX XXXX XXXX # XXXX 3.XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX 9.XXXX XXXX # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX
03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.
05/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70810	Web	Older American
I was denied credit by lender XXXX XXXX. My XXXX score is XXXX. But, XXXX XXXX XXXX was also contacted as a CRA by the lender, and it reports " delinquencies '' ( I have none ) and gives me a score of XXXX. XXXX XXXX XXXX also notes " limited history for this phone. '' I am XXXX years old and have had credit history for about 45 years, and have had all of my phone numbers for many years. XXXX also says " proportion of satisfactory trades too low. '' I make no trades that I am aware of. I called the number on my denial notice but only get a recording at XXXX. I left voicemail but not optimistic. So I'm wrongly denied credit because of XXXX. I also reviewed their website, and they require me to mail them my SSN and other information, and copy of my ID, just to get a report from them so I can dispute it..
03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06606	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax # XXXX Request for Consumer Report/Dispute Dear XXXX XXXX Consumer Services : I received my XXXX credit report and noticed your inquiry on XX/XX/XXXX by XXXX XXXX. I applied for a credit card on XX/XX/XXXX. I am writing to you because I would like a copy of my credit report required by law to check for accuracy. I understand you generate credit scores and other services. This is the first-time hearing of your company and services and would like more information about your company. You may contact me at XXXX at your earliest convenience to discuss the inquires XXXX XXXX XXXX conducted at XXXX. Thank you for your assistance in this matter. Sincerely, XXXX XXXX XXXX
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 217XX	Web
I received a letter of denial for a credit card from XXXX dated XX/XX/22 the reason stated is that I'm being reported as deceased by XXXX XXXX XXXX XXXX I have tried to contact them on XX/XX/22 and they do not have an XXXX number that allows you to speak with a person. I submitted a request for my credit report on XX/XX/22, but they mail a letter to you with how to access it online. I also sent an email request on XX/XX/22 via their webpage asking them to contact me to resolve since them reporting me as dead is a pretty big issue. They responded on XX/XX/22 with a form saying i need to request a credit report. This is completely unacceptable for them to make such a major error and have nothing in place to remedy it. I looked online at the other credit bureaus and no one else has me listed as deceased.
09/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	FL 34608	Web
I was recently denied a car loan due to the credit scoring model used by Sagestream LLC. My FICO scores with the 3 major credit bureaus are all above 760 and I received a denial letter from XXXX XXXX stating they could not approve me for an auto loan due to my credit score obtained from Sagestream. They provided a score of XXXX, MORE THAN 200 POINTS LOWER than what the big 3 credit bureaus have on my record. There are numerous complaints about this company 's fraudulent credit scoring system and I would like to add another complaint to the list. If the credit world had to rely solely on Sagestreams credit model, most of us would not be able to finance anything. This company is a scam and should not be providing such ridiculous and fraudulent credit scoring to companies such as XXXX and many others.
05/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	SC 29488	Web
I have attempted to place a freeze with XXXX XXXX I have sent them a copy of my ssn card and state id. I have explained to them I do not have any bills no cell phone bills or anything. Please freeze my records. My complaint as a consumer they are saying I must have bills to verify my address my phone is prepaid. Not only that I have called everyday and left messages and they have it called me back. Why cant I get a person on the phone. And why are they requiring only to help if I have a bill. This is violating my rights and becoming harassing. I have sent fax submissions as well. And my home telephone number is XXXX and I can be contacted by cell XXXX which is not paid by myself so there is no Bill for me. XXXX XXXX never return my voice messages and never can be reached directly you get a voicemail
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43110	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 195XX	Web
Although my FICO score is at or above XXXX, XXXX XXXX reporting agency caused my loan application for work vehicles to be denied two times by reporting a credit score of XXXX. Their online explanation reflects a different set of criteria used in developing the score, but lending institutions are either unaware of this difference or choose to not inform their staff. My credit report obtained from XXXX XXXX reflects zero late or missed payments and a minimum of debt to income, yet their low score is affecting my ability to operate my business in a competitive manner by reducing my lending options and most likely causing me to pay a higher interest rate than I should be paying. Something needs to be done to address this company presenting itself as a standard credit reporting agency when it is not.
08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 117XX	Web
I bought a car and took out a loan in XX/XX/2018. I received a letter from XXXX XXXX today, XX/XX/2018, stating that my XXXX credit score was about 200 points lower than my XXXX credit score. I was rejected for a loan because of this, and my credit score from a more reputable source ( XXXX ) took a XXXX point hit. XXXX did not provide a reason for the discrepancy, and contacting them would require me to send copies of personal documents, like my social security card and my driver 's license, through the mail. To the best of my knowledge I haven't had any delinquencies or late payments. There are many others who have had the same experience, and I do not trust this company enough to send them any documents. The score they gave me is extremely inaccurate, and I worry about future credit problems.
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 483XX	Web
Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.
12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91320	Web	Older American
Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by SageStream ( now XXXX? ) Made request for credit report to determine problem. Letter from XXXX indicated " unable to process request ''. Made numerous phone calls... no response ; not XXXX. Letter from XXXX " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against SageStream. What's it take to get action on this?
01/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43085	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
01/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
06/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77478	Web
SageStream , LLC ( who ever they are ) was used by XXXX XXXX on a car purchase. With all the major CRA I have high scores and good credit. These Sagestream people report a much lower score which denied my deal. When I contact SageStream all you get is a recording and nobody ever calls you back. In order to get a copy of the perverted information they say they have on you, they want you to send in all types of copies of identification. How do I know who these people are? Every Law enforcement agency in the country says DO NOT GIVE ANY INFORMATION to people or companies you do not know. All the other CRA 's have a online or phone system to see your information if you were denied credit. Not these phonies. Why do you allow companies like this to exist? They should all follow the same rules.
02/28/2017	Yes	Credit reporting	Incorrect information on credit report Account status	FL XXXXX	Web
XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.
01/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43026	Web
I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XX/XX/XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX
06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	CA 93065	Web
I tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as XXXX . My scores from the main credit reporting agencies range from XXXX to XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance. Thank you.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11422	Web
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX Balance : {$950.00}
09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90638	Web
Hello, I applied for an auto loan XXXX and was denied because i had a frozen credit at XXXX and did get approved for a loan. My credit score for the 3 credit agencies run about XXXX. Then apparently a company named SageStream , LLC gave me a XXXX score? My issue is who are they and why do they have my person information? I am unaware that there is another or a new credit agency. I tried to call them but was unable to talk to an actual human. ( im sure by design ). I do not want to deal with them in the future and to freeze my credit with them I need to give the my personal data along with personal documents? please explain why this i happening? I have not given them any permission to handle my personal info and grade my credit score. Please turn them off! Thank you XXXX XXXX XXXX
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NM 87108	Web	Older American
I applied for a XXXXXXXX XXXX credit card through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I received a letter dated XX/XX/ denying credit listing the reason : " Credit bureau reports applicant is deceased. '' The reporting credit agency Sagestream/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX First, I AM NOT DEAD! I tried emailing XXXXXXXX XXXX through their website and was unable to reach them. I found a phone number online, but they were not able to help. I called the Sagestream phone number. It is an automated system and after entering all my personal information ; the system notified me it could not verify my identity and hung up. I am not dead and do not want to start a problem that could cascade into my losing everything. I need to correct the mistake.
06/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75044	Web	Older American
I applied for XXXX XXXX XXXX with XXXX XX/XX/XXXX. They stated I could not be approved due to the wrong phone number- invalid phone number -cell phone and landline was used on this account Days since most recent inquiry is to shot but it stated it had a number of inquiries on the account- they have managed to contradict their statement about my credit Number of Inquires in the last 12 month was 3. I do believe that this company did not check my credit due to the fact it stated my credit report was XXXX I my credit scores with XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX where did they get these scores- I have no late payment on my account in the last 5 years They made up information just to stop me from getting credit. I have a XX/XX/XXXXXXXX XXXX which has been paid in full.
12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43068	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
10/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 648XX	Web
I had recently talked with a car dealership salesman in XXXX MO. I never went into the place. I talked to the salesman once and also by texting. He kept trying to get me to come into the lot to look at cars. It was within 2 days I started receiving denial letters from so many companies. I have probably received 6 as of today. It has only been probably 3 weeks since I talked to the guy at the lot. It seems like every letter I have there is a XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX which is saying they were in part the reason for the decision and the information they received from them. I do n't know anything about that company on top of all the companies that ran my credit. It shows on my credit there has been around 15 hard inquires. I am frustrated by all of this.
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80210	Web
I applied for and received a auto loan for a used car. Subsequently I received a letter from XXXX XXXX referencing credit freeze on my record with XXXX, which I authorized and their letter also reference SageStream LLC. SageStream reported incorrect credit score and incorrect factors which affected my score as reported by SageStream. I have never heard of SageStream, never authorized them to be used or consulted regarding my credit score. Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of. My credit score is readily available from XXXX, XXXX and XXXX. I my records deleted from SageStream LLC. .
12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43219	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I was recently in the hospital for XXXX XXXX XXXX XXXX XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	PA 19103	Web	Servicemember
SageStream , LLC Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX : To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on my credit report. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and all other creditors. I am a victim of identity thief. Ive included the following two documents that verify my identity : Copy of drivers license. Social Security Card Identity Theft Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. Kind regards, XXXX XXXX XXXX
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30078	Web
Ive tried to get this company to correct these issues back in XXXX of XXXX Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
03/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94534	Web
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. If we don't receive the cooperation, we will file a small claims court action to protect our rights.
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 838XX	Web
XXXX XXXX used this credit reporting agency on XX/XX/2020 to use in a decision for a car loan. XXXX XXXX credit rating was XXXX. My credit score is in the 800-832 range with the other three reporting agencies. Their reasons : Limited history for consumer at address and phone number. I have been at my current address for XXXX years and have had the same phone number for XXXX years. Distance between address and area code of phone. I live within 15 miles of the area code of my phone. Too few active accounts. I have a car loan for the last years and an open credit card account for the last three. All current with zero late payments. Total account balances. Percent of my debt to income is 20 % This company 's information is so far off that they seem fraudulent.
03/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60652	Web
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43227	Web
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
12/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MO 633XX	Web
I did apply with XXXX XXXX XXXX XXXX ( XXXX XXXX ). I received a letter in the mail to state " We are unable to approve this application at this time, because information provided by credit-reporting agency has indicated the applicant is deceased. '' It further stated, " If this information is incorrect, we encourage you to contact the credit-reporting agency listed below. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I've attempted the toll-free number to contact the credit-reporting agency to report the information is false and I am, in fact, alive. However, my calls are unanswered and I've not received a call back. I believe this is a scam company and do not trust them. I hope they do not have access to my personal, consumer information.
01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30043	Web
Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.
03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web	Servicemember
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX. Please remove the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18951	Web	Servicemember
I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX stream and XXXX. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 75023	Web
I have never authorized SageStream LLC to access any of my credit reporting. I have a freeze on XXXX, XXXX and XXXX because I did have identity theft which I had to involve the police in the city I live in because someone was fraudulently using my information. I don't know who this sagestream company is and I don't want them, nor did I ever allow them access to any of my information and they refused to stop accessing my information without my authorization. They are impacting by reporting to my bank a low credit score over 200 points less than what my actual credit score is. They're providing information to companies that I have never submitted a request for credit through. This is fraudulent activity unauthorized by me that has to do with my credit.
08/10/2016	Yes	Credit reporting	Credit monitoring or identity protection Problem cancelling or closing account	NJ 08820	Web
I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. They revoke foreigner 's people right for their own credit report freeze.
01/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NY 10024	Web
XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known IDA Inc? I received a letter from XXXX XXXX XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? They must answer or be stopped from reporting " defamatory '' reports. I have excellent credit and want answers, not an automated line.
03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NH 033XX	Web
I recently leased a XXXX XXXX from XXXX XXXX in XXXX NH. ( XXXX XXXX XXXX ) The dealership did a hard pull of my credit. That was fine, then before I selected a vehicle they did another hard pull of my credit through XXXX XXXX. XXXX uses an agency called " SageStream LLC '' ( XXXX XXXX XXXX ). SageStream reported a score of XXXX. The dealership than went to XXXX XXXX XXXX and through XXXX my score was XXXX. I have my truck and I'm happy with it. However attempting to contact SageStream has been difficult. I used their online dispute form two months ago, nothing. I called their customer service number multiple times, and nobody ever answers. I left three detailed messages ; they claim to get back withing a day. That has not happened. Please Help
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - Terms Revolving Responsibility Individ XXXX REPORT XXXX VIOLATIONS )
01/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43224	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH XXXX
09/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 46077	Web
I received notice that a company by the name of SageStream LLC is providing credit reports on me. 1. ) First I am a victim of Identity them and I will not send them my personal information to obtain a copy of whatever report they claim to have. 2. ) They are reporting to people a score of XXXX when the XXXX and other agencies have my score at XXXX. 3. ) I am a victim of identity theft and all three credit agencies have placed a security freeze at my request, this is a new agency that I have no idea who it is and may be allowing people to use my name and social!!! I was in fact approved for my requested loan once the dealership was authorized by me to access my credit score through XXXX which was XXXX, not XXXX as reported by SageStream LLC.
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43229	Web
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
01/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37086	Web
I went to purchase a used car to replace one that was totaled by an uninsured motorist in XXXX of 2016 at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tn XXXX My credit score at that time was reported as XXXX through XXXX. They also used a company ( I never heard of ) called XXXX which at that time reported a credit score of XXXX! You can imagine how that effected my interest rate and payment ... .close to {$200.00} extra a month! XXXX seems to have quiet an ally in these finance companies, and I can not believe this continues after all the complaints that continue pouring in here, and elsewhere on line. I too do not feel comfortable giving personal information to a company that can only be contacted via email or hard copy ( no website ... legal? )
08/06/2018	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	AZ 85741	Web
Was going to move to XXXX my phone will not work on there network. I received a letter from XXXX XXXX XXXX XXXX. They state my credit card score is XXXX and my score is XXXX. The only way this company is going to be stopped is for people to file a formal complaint with the Consumer Financial Protection Bureau. XXXX should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with XXXX XXXX and other agencies. Please, if you see this and have had any dealings with them, file a formal complaint..
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20020	Web
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46902	Web
I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on black market sites and the fact my information was compromised in the XXXX data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	WY XXXXX	Web
I applied for a XXXX card and was told to call customer service to verify my identity. I called customer service and had to correct my social security number. Once she ran the credit check and identity verification, i was denied. Before I could request a reconsideration, the representative stated the denial was because Sagestream LLC is reporting me as deceased. I contacted Sagestream LLC on Saturday but their office was closed. I contacted them again yesterday, XX/XX/2019, at XXXX EST ( XXXX PST ) ; however, I consistently kept getting the automated message saying their office opens at XXXX, yet it wasn't open. I left a detailed voicemail with the help of my financial counselor and provided a call back number. I never received a call back.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 93705	Web
This is the information fom my first complaint that was closed with no resolution : I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. Since then I have called on a daily basis and have left more messages than I can remember. I resubmitted my information by fax on XXXX and still no response from SageStream LLC.
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43230	Web
I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
11/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73099	Web
I was denied a car loan on the basis of a credit score from XXXX XXXX. My XXXX score is in the XXXX 's. Not perfect, I am aware. However my XXXX score was XXXX. Their reasons were the age of my credit, and the balances, basically saying my credit was n't new enough. Considering I have n't heard of this credit reporting agency until after my loan was denied it seems highly unlikely that the problem is on my end. The 3 major bureaus I know of XXXX, XXXX and XXXX have my credit score somewhere in the mid to low XXXX 's. The whole purpose of me trying to get a car loan was to improve my credit score in order to qualify for an FHA loan. With this score way down in the XXXX 's it appears I 'll never have the opportunity to become a home owner.
11/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48135	Web
My lease is almost up on my truck which is a XXXX XXXX XXXX. I am in the market to lease another vehicle. In doing so the company that I have my current lease with pulled my credit & I was denied because my score was a XXXX from a company that I have never heard of, & that Im sure has completely wrong information. 1 of the main reasons for my score being so low according to them is because of limited history with my phone number. I have 24 credit cards & every card company has my same phone number that Ive had for the last 10 years. The name of the company is SageStream , LLC & not only are they ruining my life, but they are ruining the lives of many others that have similar complaints about them online as well. They Need to be stopped!
03/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ XXXXX	Web
this complaint is in reference to complaint # XXXX Where as I notified by CFPB that SageStream LLC refusal to answer complaint. this is no surprise because Sage Stream refuse to answer request for a copy of my Consumer report and request to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. When this complaint is forwarded to SageStream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for the Company 's transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43110	Web
I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 937XX	Web
This is my 2nd complaint against SageStream LLC for the same problem. CFPB closed my first complaint on XX/XX/2020 with the reason being SageStream LLc has done there part and contacted me. This is not the case. After receiving an email from the CFPB I have since called SageStream LLC ( as per their direction in their response to my 1st complaint ) no less than 5 times per day on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and each time I have left a message with the details requested by SageStream LLC on their recording because they do not answer their phones EVER. Their recording states that all calls will be returned within one business day. I have not received a single return phone call to this date.
01/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33433	Web
Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. XXXX
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	FL 33573	Web
I have not been able to have physical ( verbal over the phone ) contact with Sagestream LLC, they have reported some false data ( very slanderous ) and thus I have been trying to confirm an see what is on my " version of their credit report '' and have been trying to get things resolved and corrected ( history shows they are notorious for this type of behavior per BBB reports from other consumers that have led to SageStream LLC having an F rating ) I have submitted electronically all documents requested. I have also requested a freeze as well I have NOT gotten any confirmation from them with regards to my info as they requested from their website, nor any form of communication from them.. They DO NOT pick up the phone at all.
11/04/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NJ 07110	Web
I attempted tp get a small loan ( + {$8000.00} ) for a used car for my son so he could establish credit. My score on the other major agencies was XXXX. This is my normal average. My credit is exemplary and I pride myself on that. So far I have been denies by 3 companies, the last being XXXX. It seems that a company called XXXX, XXXX has reported my credit score at XXXX and has labeled e a risk! Who is XXXX and why do they have any right to check my credit? This is embarrassing!!! I could easily write a check for the remaining balance nut I am trying to teach my son the value of a dollar. I would appreciate it if you could check out this company and what is wrong with just relying on the 3 major credit bureaus?? Thank you.
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43224	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
08/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43081	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,oh XXXX, XXXX XXXX XXXX XXXX,ohio XXXX
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TN 38115	Web
I have been trying to contact SageStream since XX/XX/2019 in regards to placing a security freeze on my account. I called several times in XXXX and didn't get an answer. I left voicemails and no one ever returned my calls. After that, I sent a fax requesting a security freeze to be placed on my account as well as a copy of my SageStream credit report. I was never mailed anything so I don't know if a security freeze is currently on my account. I continued to call them and leave voicemails through XX/XX/2019 to check on the security freeze that I requested. No one ever called back. I called them last week and left a voicemail and still no returned call. Filing a complaint is the only thing I can do. This company is horrible.
03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 20774	Web	Servicemember
I disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 44105	Web	Older American, Servicemember
On XXXX XXXX, I went to a XXXX dealership to purchase a new car. They ran a credit application threw XXXX XXXX ; SageStream LLC was the reporting agency. On XX/XX/XXXX I wrote them a letter requesting a copy of my credit report, no responds. I again wrote them a letter on XX/XX/XXXX and this time I included a copy of my driver license and a copy of my SS card per the instructions on their web site and still no response. I have tired using their web site but that is nothing but a joke, you can't even request a copy of your credit report because it does not work. It is obvious they are not working within the law since they are not responding to my letters or providing a copy of my credit report that they say they have.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 17545	Web	Older American
On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. I keep being told that I already have a account which I did but that account was closed and discharged by chapter 7 on XXXX XXXX. I got a letter from XXXX that I had a credit freeze on my sagesteram credit bureau ( which I never heard of until today ) I called sagestream to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with sagesteam. I spoke to a accounts person ( jenniefer ) at XXXX about this issue and they keep telling me they can not do anything about it. XXXX was extremly rude to me on the phone
04/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NY 13069	Web
I requested my annual credit report from SageStream via their own website and uploaded my valid New York State driver 's license that has all of my current information on it as instructed. Instead of my credit report, I received a letter from SageStream dated XX/XX/2020 advising that my valid New York State driver 's license with my current information was not acceptable as SageStream was unable to verify my identity. This same letter requests that I forward my valid New York State driver 's license with my current information. I am filing this complaint because I have already submitted all required information and documentation and want a copy of my credit report to ensure there isn't fraudulent activity occurring.
03/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ XXXXX	Web
this is in reference to complaint # XXXX. Where as I told by CFPB notifield me that SageStream LLC refusal to answer complaint. this is no surprise because SageStream refuse to answer request for a copy of my Consumer report and to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. When this complaint is forwarded to Sagestream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for there transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43212	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 161XX	Web	Older American
I was solicited to open a charge card through XXXX a company that I have dealt with for several years. When I was rejected, I got a letter from XXXX XXXX on XX/XX/2019 and it was reported from SAGESTREAM , LLC had submitted information I was deceased. I have tried to contact Sagestream at least 10 times and I only get an answering machine with the message they will call me back but they never do. I submitted a request for a credit report from their company online twice and I have not received it. I sent them a letter along with a copy of my driver 's license requesting that they fix the error and the only thing that I got back from them is a letter that they received my correspondence and a copy of my rights.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	KS 666XX	Web
On XX/XX/2021, I attempted to place a security freeze on my SageStream credit file and made two more requests via fax. I also attempted to call. On all 4 occasions, SageStream refused to place the freeze on my credit report or file with their company. Documents provided included drivers license, social security card, and a recent paystub. On XX/XX/2021, I received a letter from SageStream refusing to place the freeze, claiming that the documents submitted were insufficient, even though their website indicates the submitted documents were sufficient. Attached to this complaint as well is my response with the additional requested documents. This request was sent on XX/XX/2021 via fax to XXXX XXXX XXXX XXXX.
05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX , OH XXXX
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter XXXX failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. I NEVER REQUESTED ANYTHING FROM THEM AS I HAVE NEVER HEARD OF THEM BEFORE! How can I request anything for a company that I never heard of before prior to my last complaint? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62234	Web
I went to purchase a vehicle and needed a car loan. I received a letter from XXXX XXXX after I purchased my vehicle. They informed me by letter that they turned me down because of my credit report from SageStream LLC giving me a score of XXXX. They also informed me that my score from XXXX was XXXX. Much higher than SageStream. My complaint is not with XXXX taking Sage Stream over XXXX my complaint is they are taking a consumers information acting as they are a reputable credit reporting agency. When I called to talk to them about it all you get is a recording to go to their website. I am concerned that a non reputable company is allowed to have a consumers private information and are falsely misleading.
08/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 15010	Web
On XX/XX/XXXX, 2017 my credit was ran through SageStream, which I have never heard of. Said my score was XXXX? My XXXX score is XXXX and XXXX is in the low XXXX, seems a little strange. So when you call to get a report from SageStream it directs you to their website. Website directs you to call or send a fax to a phone number and include a ssn and other personal information. I called again and tried to speak with someone, pressed one, and got put straight into an automated voicemail. Something is very wrong here. For two credit reporting agencies to be about the same on scores and this one to be so much different and unable to be contacted without faxing in personal information. Something doesnt seem right.
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48083	Web
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX account was close in XXXX XXXX received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43230	Web
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXXXXXX XXXX XXXX OHXXXX XXXXXXXX XXXX XXXX OH,XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AL XXXXX	Web
I have tried on numerous occasions to get XXXX XXXX to remove the security freeze from my SageStream Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. This is the final straw and the last bit of patience that I have with XXXX XXXX. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. You've been interfering with my ability to open a savings account with XXXX XXXX for XXXX XXXX
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60153	Web
In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 92612	Web
I Mailed a letter to SageStream LLC back in XXXX, XXXX requesting a security freeze and a copy of my consumer report and never received a response. In XX/XX/XXXX I submitted a second request for the same thing via their website and I did not receive a response or email confirmation that the request was even received. I sent a 3rd request Certified Mail that they received on XX/XX/XXXX with no response. I have called the phone number they have available XXXX & left several messages to resolve the issue but again it was to no avail. I have sent personal information such as ID and Social Security # to this company & I think it is very unprofessional of them to not even respond or acknowledge my requests.
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 631XX	Web
I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43231	Web
THIS IS THE 3 TIME I HAVE FILED A COMPLAINT TO XXXX XXXX AND OTHER CRA. I have several addresses on my file that I never lived incorrectly listed on my credit file. My name is XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX. Please delete any name variation and additional SS off my file ( Not my SS XXXX, Not my SS XXXX please delete 609 FCRA violation ) THE FOLLOWING ADDRESSES ARE NOT ACCURATE PLEASE DELETE : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX.
07/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AZ 85213	Web
The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. I have read the reviews about the company and it seems every consumer has the same complaints. -credit score 200 points lower than the major agencies. -no one is ever in the office -getting the actual report from XXXX is impossible. I want to know WHY these people are even involved in my credit report. The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score immediately!!!
09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 44125	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 981XX	Web
I requested my credit report from Sagestream LLC on XX/XX/XXXX, through the company 's online request form. After submitting the form, I received a confirmation message stating that I would receive my credit report by USPS first class mail. I never received the report. I submitted another form on XX/XX/XXXX and received the same confirmation message. I have not received the report. This is my second complaint against the company. I tried to contact the company several times by phone and once by mail prior to my first complaint. The company 's response to my first complaint was to suggest I complete an application on their web site. I have done this twice and still have received no response.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90221	Web
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
11/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM XXXX XXXX OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43004	Web
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
03/22/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10462	Web
I'm composing this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX XXXX please remove any other name. My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91307	Web
I'm making this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33971	Web
Filed a complaint before only for you guys to close complaint cause the credit company sage stream reached out one time leaving a message for it basically end in same results .. I even filed online to receive my report ( got the info that says it was accepted ) ( screen shot ) and still nothing so what the excuse now? .. also still cant ever reach a person on the phone from sun up to sun down its automatically sends you to a voicemail that promises to get back to you in 24 hours ( nothing ) .. this is a is beyond baffling to me to receive a report and to place a freeze I have never been through any of this with other credit agencies and you allow this company to run ( something isnt right )
01/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 897XX	Web	Older American
Went to purchase a vehicle. About 1 month after having the vehicle I got a letter from XXXX XXXX saying my transaction with them is denied with the terms the dealer wanted but that they would accept other terms ( aka higher interest rate ). This is due to the credit score assigned by XXXX XXXX which was about 100 points lower than XXXX and XXXX. I believe this is a scam to allow XXXX XXXX to ask for higher interest rates due to questionable credit. Searching the database here and XXXX searching, I see this is a very standard practice of XXXX. My credit with the 3 major credit reporting agencies is 800+. This is a scam and a slap in the face. XXXX should lose their credit reporting license.
09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA 021XX	Web
My personal information was comprised several times in the last few years ( XXXX, XXXX, XXXX XXXX, etc. ) so I tried contacting Sagestream LLC to have them freeze my credit report. I have faxed the required documents listed on their website, https : //www.sagestreamllc.comXXXX, multiple times plus, mailed those same documents to Sagestream LLC 's address, called about 30 times, never any answer. I have left multiple voicemails with my name, contact number and why I was contacting them and Sagestream LLC has NOT responded to any of my request or correspondence. It's been over a month now and Sagestream LLC has not contacted me or frozen my credit file, which they are required to do by law.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NY 10001	Web
SageStream, XXXX, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, DMV Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90501	Web
This complaint is addressed to SAGESTREAM LLC. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
02/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43227	Web
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 93933	Web
I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.
07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43211	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78640	Web
I recently bought a car XX/XX/2020 at XXXX XXXX XXXX. I was approved by XXXX then a few weeks go by and I received a letter saying I have been denied due to a SageStream credit score of XXXX?!?!? When the letter stated that my score XXXX with XXXX. Currently XX/XX/2020 looking at my XXXX Score Im at XXXX with XXXX and XXXX score of XXXX. The Disparity is ridiculously huge it makes no sense why two scores are so close and the third is 240 points lower. XXXX does not offer online services they want hard copies of ID & Social mailed to them, that is sketchy this company is a scam and they should not be allowed to be in operation for falsely reporting inaccurate information.
05/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web
I applied for XXXX credit and was declined and when I got the letter the reason why I was declined they listed information thats not on my report like BK and late payments and charged off account, but I dont have any of that on my report, called XXXX and they told me the got the info from my report with XXXX XXXXeporting agency, called them too many times first voice mail no one answer then finally someone answer and they said it could be that my file mixed info with someone else, I asked them to remove the info and correct the problems and they wont, I asked to file Dispute they want my SS card and my ID to file Dispute!!!!!!!! I sent th fax with Dispute but no correction.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30329	Web
I am submitting this complaint to SAGESTREAM due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48236	Web
I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by over XXXX points lower than the reputable credit reporting agencies. One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by XXXX for improper credit denial.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90025	Web
I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction
04/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60615	Web
I have other XXXX XXXX credit cards. I applied for onXXXX with XXXX XXXX and thought that I may qualify for a card. However, I was denied the card and the letter said that my credit score was incredibly low at XXXX, which I know is not correct at all. Additionally, XXXX XXXX improperly stated that I have too many serious derogatory items, of which I don't have any derogatory items. I don't think it is fair that a company can IMPROPERLY note or share that my credit is XXXX, inaccurate and it looks like they may have someone altogether. i can provide a credit report and it definitely doesn't show any of the aformentioned, while this company improperly shares my information.
05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 167XX	Web
I received a letter stating that a Credit Reporting company by the name of SageStream LLC had given a credit report to a lender that is inconsistent with my information on file, and that they were unable to full fill my loan as previously agreed upon, and that new terms were required. I contacted my lender directly and everything is in order and that nothing has changed. This letter appears to be some kind of phishing scam, as when I went to the SageStream website they requested a lot of personal information and copies of proofs of identity such as a driver 's licence, passport, or social security card. This seems highly suspicious and appears to be an attempt at a scam.
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX XXXXX	Web
My complaint is about SageStream LLC. I have sent two written security freeze requests via certified mail and an over the phone request. The most recent written request was sent XX/XX/2021 via certified mail. SageStream LLC has responded twice saluting they can not verify my identity. Ive sent the two forms of ID ( my Texas state ID and my recent electric bill ) require per their website both times and still they have not placed the freeze on my account. I tried reaching out via the contact number they have listed on both letters they sent me and there is no option for me to speak with anyone nor get any more information. I have receipts and copies of what I sent them.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89032	Web
I want to file this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OK 746XX	Web	Older American
On XX/XX/2019 I received notice that XXXX XXXX had reported my credit score to XXXX XXXX. This score was over 200 points lower than my XXXX credit score. I was notified that XXXX XXXX uses a different measuring matrix than the other three well known credit reporting bureaus. This results in a much lower score being reported. The lower score allows lending institutions to charge a higher interest rate to the consumer. I believe the different measuring matrix is a deliberate attempt to mislead lenders and amounts to defamation of character as well as bank fraud. Prior to XX/XX/2019 I had never heard of XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, Phone XXXX
12/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 432XX	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web
I am writing this complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy.15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90008	Web
I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91604	Web
I am writing this complaint to SAGESTREAM I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 442XX	Web	Servicemember
I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. XXXX by XXXX XXXX listed XXXX as a credit report source, however when speaking to a rep, she told me XXXX by XXXX XXXX does not use human, they use an AI Algorithm. The rep then said they use SageStream LLC. However this was not disclosed XXXX Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11435	Web
I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 70458	Web
I have never once heard of XXXX XXXX before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 701XX	Web
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
This is my complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response. The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.
11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75032	Web
Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.
08/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43140	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43231	Web
XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX XXXX. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
06/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60653	Web
On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. XXXX XXXX was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX XXXX XXXX. I was unaware of this company and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33409	Web
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX I.C. SYSTEM, XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11204	Web
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
01/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43229	Web
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ XXXXX	Web	Servicemember
I have contacted and disputed incorrect personal information in my consumer disclosure file with SageStream. I have called them repeatedly but they don't answer the phone and do NOT return calls. Dispute letters sent on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ) and again on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ). Most recent letter was received on XX/XX/XXXX giving them, by law, 30days to XX/XX/XXXX. To date, I have not received a resolution or response to this dispute letter. At this point, by law, they are past time to show verification or proof information on record. These disputed incorrect items need to be deleted.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75039	Web
XXXX was given notice via an affidavit to update my personal information. XXXX has choosen to sent me a returning letter on XX/XX/2019, received XX/XX/2019 stating that they would not complete this request. My dispute was very clear and factual. This is a violation of the FCRA for XXXX to refuse to investigate inaccurate information on my credit report. The affidavit that was sent was a numbered list of points that must be addressed. From the date it was recieved, XXXX still has 30 days to correct or response with an affidavit of their own or XXXX will be in default. As a consumer, I will pursue XXXX in Court if it chooses to violate my rights.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA XXXXX	Web
I received a letter in the mail from XXXX XXXX indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was SAGESTREAM , LLC. I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.
02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 32707	Web	Older American
On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020 and XX/XX/XXXX.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 11433	Web
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 381XX	Web
On XX/XX/2020, I submit in writing a request challenging the validity of these alleged bankruptcy SageStream have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with SageStream. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	CA 940XX	Web	Servicemember
XX/XX/XXXX Sage Stream said they have lifted all freeze/fraud alerts on my account. XX/XX/XXXX - I sent a fax to lift all freeze/fraud alerts as well. I have called XX/XX/XXXX and XX/XX/XXXX to confirm and triple confirm that there are no longer any freeze/fraud alerts on my account. I was told there was no longer any freeze/fraud alerts. I applied to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and have been told on these 2 separate occasions there is still a freeze/fraud alert on my account. I have sent another fax effective Sunday, XX/XX/XXXX to get the freeze/fraud alert removed again. I want them to be held accountable for wasting hours of my time.
03/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43227	Web
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
08/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36116	Web
It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 371XX	Web	Servicemember
SageStream LLC reporting wrong information. No idea who this company even is. I got a letter from XXXX XXXX who i never applied to for a loan. I bought a car with another company. XXXX sent me a letter denying credit of a loan because of Too many delinquencies and number of accounts with delinquency and more. Showed my credit score at XXXX. I have never had a delinquency and my scores with other companies are 700+. I have no idea where this company came from or who gave permission to look into my credit. I have only ever heard of 3 credit bureaus. How can i stop this company from tainting my credit I received the letter on XX/XX/2020 2020
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 937XX	Web
I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again ( XXXXPST ) and the message machine asked me to leave all of my pertinent information and that my call would be returned within one business day.
05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 75154	Web
I was notified that my credit score with SageStream was around 400 which was odd because my credit score with the top 3 is over 800. I submitted an inquiry and credit report request per their website instructions and 3 months later I get a letter stating that my credit score is XXXX BUT there is no credit report. This all seems very suspicious to me so I am reluctant to ask for it again given the information they collect. I am not sure how some unknown credit agency has the right to report my score less than half of the big 3!!!! I think it is a scam and it will hurt people if they have to rely on bad information when requesting credit.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75134	Web
Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number XXXX also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 08859	Web
Received personal credit report produced by XXXX with the XXXX logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 937XX	Web
I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again and the message machine said " I reached them outside of their business hours of XXXX, Mon thru Fri PST. It was XXXX PST when I called.
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95350	Web
Letter dated XXXX XXXX Applied for car loan and purchased was affected based on a credit score from SAGESTREAM LLC. of XXXX but all my credit scores from the 3 legitimate normal sources of XXXX, XXXX, XXXX were 700 + scores. I dont understand how a company that not even the dealership has heard of as I checked with them after receiving letter Can affect someone built good credit history be allowed to do business ... please look into this nonsense as I have now researched numerous people complaint about the same situations ... Ps : I car the loan for the car but my interest rate was affected do to their negative score in miss information
04/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33607	Web
XXXXshowinghasveryseriousdelinquencywithmyaccountwhichisinvalid.IhavefirsttwolatepaymentsinXX/XX/2018andXX/XX/XXXXbecausecreditproviderdoesnotsendanydetailsorlogincredentials(accountdetails)inordertopaytheamountwithintimeframeanditswaspaidimmediatelywhenigottherequiredinformationabouttheaccount.duetothisdelay,ihavenotifiedwithveryworstcreditscoreandstatedasseriousdelinquencywithnumberofaccountsonlywithXXXX-XXXXhoweverihavegoodcreditscorebyotherproviders(XXXX-XXXX&XXXX-XXXX). IhaveseenverybadscorefromSagestreamLLCwhichshowingas-XXXX.Iwouldliketorequest,pleasecorrectthiserrorandtakenecessaryactioninordertogetproperfaircreditscore.Thanks!
05/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	NY 13027	Web
Two weeks after purchasing a car I received a random letter in the mail from XXXX XXXX. This letter informed me that, after receiving information about my credit score, I would not be able to be approved for a loan. It went on to show that XXXX and XXXX have my credit score at XXXX ... ... and " XXXX XXXX XXXX '' have it at XXXX. This is an absolute scam. My credit score has NEVER been below 800 in decades. I then found online that XXXX has done this exact thing to numerous consumers with page after page of people getting the same results and letters in the mail. XXXX XXXX XXXX is obviously a SCAM and should be thoroughly investigated.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AZ 85351	Web
SageStream , LLC reported a credit score of XXXX when i know it is XXXX i asked for a copy of my credit report on XX/XX/2020 in order to correct them. i still have not received it. i sent a copy of my valid drivers license when i filled out their forms. i was not sure i should send my drivers license but it was better than the rest of the information they wanted. i now believe that they are a fraudulent company with the intention of performing frauds with the information i supplied. they again supplied the company i requested credit with on or about XXXX i will enclose the documentation concerning it if i am able. it is in PDF form.
02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 32707	Web
On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43081	Web
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
12/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76180	Web
Report provided by XXXX XXXX to XXXX XXXX shows artificially low credit score due to nontraditional reasons. At the time of my auto loan inquiry with other Banks, my scores from the main 3 bureaus were XXXX, XXXX & XXXX. This company listed me at XXXX and could have negatively affected my chances at a better interest rate. They listed reasons such as " too few retail accounts '' and " limited history at address & phone ''. I have excellent residence history and have had the same phone number for 14yrs. In order to get a copy of their report, I need to send sensitive identification documents via fax or mail which is not secure.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA XXXXX	Web
Date of call : XXXX Unable to lift credit freeze using phone number provided by company : XXXX. No option is provided to lift or remove a freeze. No option is provided to speak with a representative. Per company ( https : //www.sagestreamllc.com/security-freeze/ ) : You can request the lifting or removal of the security freeze using one of the following options : Submit your request securely, online by completing our Security Freeze Lift / Removal Request Form Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX : Call us at : XXXX.
12/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07601	Web
I have called SageStream over 50 time and have never gotten through to speak to any one, no matter what time I call in the morning or in the morning, afternoon or in the evening. Sometimes I call and it tells me I've reached them when them after ours and it will be XXXX. I'm starting to wonder if there is anyone even answering the phone. I leave a detailed message about them sending a report and or file that they have on me and also to freeze my account with them due to some suspicious activity. I haven't received anything from them in over 2 months and have never gotten a response in the form of a letter or a phone call back.
11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 34787	Web
I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.
07/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	KS 66441	Web	Servicemember
I have recently been denied a loan when my Fico is 700+ because of some random new reporting agency has my score in the 400 range. I have never heard of or seen a company use them until this loan application. I am not comfortable sending my personal information with copies of SS card and birth certificate to them in order to find out who they are and get my score and history that they use to determine such a low score. The company is SageStream , LLC and something needs to be done about them and their business practices. They have compromised way too many people 's information and scores. Again the company is SageStream , LLC
02/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28562	Web
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 193XX	Web
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Older American
I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 32536	Web	Servicemember
To be clear, the options previously selected are not completely correct for my situation. I did call SageStream LLC today and XXXX was awesome! I was unaware the difference with Consumer and Credit Reports. After speaking with him, I was able to submit my request for my report online and submit my request for a security freeze there as well. I was not able to submit my permanent opt out online, as I do not have the means of doing so. To be fair, I did submit a dispute via CFPB to SageStream ( prior to calling ) requesting my report. Today I am only requesting the opt out that I upload to be placed on my file. Thanks!
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 291XX	Web
On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30504	Web	Servicemember
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 275XX	Web
XXXXXXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX, {$5900.00} XXXXXXXX XXXX XXXX {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 275XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter ( failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. How can I request anything for a company that I never heard of before today? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30045	Web	Servicemember
I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43229	Web
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 20904	Web	Older American
An application for an automobile loan was refused by XXXX XXXX, on/about XX/XX/2020, based in part due to a credit report by SageStream , LLC ; including the following negative comments : XXXX Too few active accounts * Limited credit history. Now, i have been using credit in the US for nearly 10 years. During that time, i have ALWAYS paid on time and in full. IF SageStream is not able to identify sufficient accounts, or has Limited credit history on me, I feel it is both incompetent and fraudulent for them to presume to supply credit advice on me. Why should I suffer because of their ignorance? XXXX XXXX
03/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43213	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43211	Web
I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX SERVICING # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75044	Web
I have called XXXX XXXX Numerous times, Left Numerous voicemails requesting a security freeze be placed on my file, and for a copy of my consumer report. They refuse to call me back, They haven't placed a security freeze even though I am a victim of identity theft and refuse to even reach out to me. Please review the Identity theft affidavit below, and promptly send me a copy of my consumer report. Also please place a security freeze on my XXXX file as there is fraudulent accounts on my XXXX consumer file that I will need to have blocked, but I have not been able after numerous attempts to obtain a copy.
01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 193XX	Web	Older American
I applied for a new car lease. My credit was checked with XXXX and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over XXXX.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 75216	Web
I've been trying to get my information updated and correct as far a my address is concerned and in getting nowhere with these companies. I'm enclosing my identification and social so that this information be accurate and up to date on all of my consumer reports. The only address that's valid up to date, and accurate is the address in my drivers license. None others are mine or have belonged to methat should be on any consider report is the address on my drivers license. The other address pictures below should be removed as well as any other addresses on my record. They do not and have not belonged to me
11/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR XXXXX	Web	Servicemember
On XXXX XXXX, 2017 I leased a vehicle from XXXX XXXX XXXX in XXXX Oregon. Received a letter from the lease company dated XX/XX/XXXX stating that they were unable to issue credit due in whole or part to my credit report. One of the credit reporting companies listed is SageStream LLC which I have never heard of, and has my score listed over 200 points lower than the other three established credit firms. Since I have never heard of this company, I have not attempted to contact them since personal information is needed to access my file, and I am unwilling to share such information with someone unknown.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85260	Web
I applied for credit with XXXX Firm on XX/XX/21. I was declined credit by XXXX Bank which apparently uses a lesser known credit reporting agency " XXXX XXXX, XXXX. This credit agency reported me as " deceased '' and credit was therefore declined. This is a recurrent problem with this agency as well as a myriad of other false and inaccurate reporting problems - some which seem to be purposeful. They publish a phone number but do not answer the phone. I have filed a dispute with them but am concerned about their continued control of my private data. Their actions have adversely affected my credit rating.
01/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43123	Web
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX XXXX remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 32218	Web
I was denied credit based on information the lender obtained from SageStream on XX/XX/2021. I had never heard of Sage Stream before. I attempted to obtain my credit file from SageStream. SageStream requests a completely excessive amount of personal information before allowing me a copy of the report. They want my government issued ID, as well as a copy of my Social Security card and either a current utility bill or my W2 with my address on it. I am not comfortable providing all of this information to some company I have never heard of when the three legitimate credit bureaus have never asked for it.
02/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 701XX	Web
I am requesting a freeze be placed of my XXXX XXXX, XXXX Sage Stream file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web	Servicemember
XX/XX/2022 submitted complaint because XXXX XXXX provided the 3 credit bureaus with information regarding a bankruptcy it pulled from PACER, a system of record used by the federal government. I did not give XXXX XXXX any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from XXXX XXXX to clear my report.
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43207	Web
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX XXXX SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29732	Web
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.
01/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 302XX	Web
I have never heard of XXXX until I received a denial letter from XXXX XXXX for an auto loan request. Upon further research they are a connection with XXXX. I do not approve of them having my information, nor do I approve of them issuing my " score '' based upon personal life interactions that are not entirely financial. I should not and do not need to verify my sensitive information with a company that just popped up at random in order for them to freeze my " credit profile ''. This is absurd and I want my " credit profile '' eliminated from their systems if they can't be forced to close up shop.
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34112	Web	Older American, Servicemember
On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you XXXX XXXX
06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 07631	Web	Older American
ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. XXXX XXXX XXXX EMAIL : XXXX MOBILE : XXXX
11/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43206	Web
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21012	Web
I never used SageStream and XXXX services before. What they did is illegally stole my personal information to sell to credit card applications and what not. I requested complete opt out and removal and they will not remove me without my SSN and date of birth ... which they should never have that information in the first place, nor an I giving a company that stole my information more of my personal information. I have tried going the XXXX route and they continue to respond with the same response of they will send me a letter, which means they don't care about storing my personal information.
05/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 139XX	Web
SageStream had been refusing to send my fcra report! For a very long time! SageStream was hiding behind the excuse that they allegedly needed certain things re-sent by fax from me! Me & another person - we fixed a fax machine! We sent the fax that SageStream said to send! We got an error message saying that the fax machine on the other end - that is - SageStream 's fax machine - was turned off! Apparently - SageStream turned off their fax machine! Now - SageStream will - probably - use that as an excuse to still not send the fcra report that they were legally required to send!
02/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ XXXXX	Web
On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XX/XX/XXXX -XX/XX/2019I have left numerous voice messages in regards to the matter but still no confirmation. I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN
10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 647XX	Web
Applied for an XXXX XXXX XXXX through XXXX Bank and received the credit card. Then received a letter with XXXX Bank letterhead stating that my credit application was being denied for reasons that are not true, and that the credit reporting agency is XXXX XXXX. XXXX reported my credit score as XXXX, when it is consistently above 800. I called the number on the back of my credit card, and they said the letter had not originated with their company and this was probably a scam. Also, the address they sent the letter to is not my address, but the post office delivered it to the correct address.
02/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ XXXXX	Web
On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XXXX XXXX XXXX XXXX have left numerous voice messages in regards to the matter but still no confirmation. I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43212	Web
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30071	Web	Servicemember
I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 482XX	Web
XXXX XXXX Stream Sage, and XXXX out of XXXX are reporting information about me to the Credit bureaus XXXX XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33405	Web
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22192	Web	Servicemember
On XXXX XXXX XXXX I went to purchase a new vehicle, XXXX to me a credit reporting agency called XXXX XXXX has access to my credit report and is reporting false information and a low XXXX XXXX of XXXX. When the original XXXX are reporting accurate information. I do not trust now acknowledge this agency They report my XXXX XXXX inaccurately and caused me to not receive support from several loan agencies. To file a formal complaint or to even gain a copy of my report you have to mail in important items. They are non accessible and is reporting false information please stop them.
08/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28214	Web
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX , I received a letter from XXXX XXXX . It states that SageStream , LLC used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks
03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60453	Web
I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested the freeze through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.
02/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30034	Web
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49006	Web
I went to XXXX XXXX in XXXX, MI to inquire about purchasing a vehicle. They ran a credit check for a loan to see what my financing options were, only to be denied by XXXX XXXX because XXXX XXXX XXXX reported my credit score as XXXX. My credit is very good ( high XXXX ) and this company should not be allowed to operate. One of their reasons behind the low score was distance between address and area code of phone - absolutely ludicrous. This company is nothing but a scam to try to obtain personal information. I dont know why the bank would find them reputable in any capacity.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 775XX	Web	Servicemember
XXXX XXXX 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.
10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
This is miy third attent to remove this account. I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my XXXX , Sagestream and XXXX file to avoid further litigation.
04/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	GA 30041	Web
Have attempted to order credit report several times ... all other agencies provide info online without so much hassle ... why is it necessary to download identification to this group??? Also, my credit score is near perfect with the three major credit reporting agencies, but with SageStream, about mid level?????? Have NEVER paid late, lots of credit, no reason whatsoever for this score ... they only want to communicate via USPS mail and refuse to mail all personal information! Too risky! Please investigate! Seems pretty shady they are allowed to give these low scores ...
01/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 91104	Web
Hello. I tried to contact Sage stream to place a credit freeze on my account. I placed one online and followed all the steps by providing all the proper documentation and validating information. 20 days have paced and I have not received any information on whether my account has been frozen yet. I tried calling and received a message telling me they were busy and to leave my name and number. I did that and continue to wait without a phone call. I need to put a freeze on my account and it is within my right to do so. I would like this resolved as soon as possible. Thankyou
09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	AR 72761	Web
PLEASE BE ADVISED THAT XXXX XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX REFUSING TO ANSWER CFPB 623 TIMES. THE FOLLOWING FURNISHERS OF TRANSUNION DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, XXXX XXXX XXXXXXXX, SAGESTREAM LLC, XXXX XXXXXXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX XXXX.
10/02/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MO 641XX	Web	Servicemember
I recently tried to apply for a new credit card through XXXX. Have had no issue getting credit cards in the past, or renting an apartment. I filled out my information on the XXXX website, but then they said I had been denied. It had used " Sagestream LLC '' as their credit reporting company. It said the reason I had been denied, is because I was deceased. DECEASED. I am a XXXXyo XXXX XXXX. I would like to know how I can find out if this is a case of identity theft or not, and for Sagestream to not be able to report information because it is clearly false. Thanks.
07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 381XX	Web	Servicemember
upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 55343	Web
This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	SC 29488	Web
I HAVE CONTACTED A REQUESTED THAT SAGESTREAM PLACE A SECURITY FREEZE, BLOCK AND SUPPRESS THE FILES THAT I HAVEWITH THEM. I AM A VICTIM OF A SPECIAL TYPE OF IDENTITY FRAUD. SAGESTREAM IS RELEASING INFORMATION ABOUT A BANKRUPTCY FILING THAT I DID NOT DUE TO XXXX AND XXXXTHIS WAS PREVIOUSLY FOUND TO BE AND ERROR. I HAVE SENT THEM SSN CARD, ALONGWITH GOVERNMENT ID, AND BANK STATEMENTALONG WITH A CERTIFIED MAILED REQUEST AND CERTIFIED FACSIMILE I DEMAND THE BANKRUPTCY BE REMOVED AND BLOCKED IN ADDITION TO THE FREEZE AND SUPPRESSION PLEASE HAVE THEM PROVIDE WRITTEN PROOF.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30157	Web
I have previously disputed XXXX XXXX bankruptcy discharged/ Reference # XXXX XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 94063	Web
I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 631XX	Web
Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting inaccurate information on The Consumers, consumer report. Listed is the inaccurate information to be deleted : SECTION 2 : STANDARDIZED INFORMATION TO GENERATE THIS REPORT : Address : XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Phone : Date of Birth : XXXX SECTION 3 : OTHER REPORTED PERSONAL INFORMATION : Date of Birth XXXX XXXX Social Security Number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers XXXX XXXX Email XXXX XXXX XXXX XXXX
01/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37209	Web
XXXX XXXX has my information and has sent it to some company and will not tell me the lender that asked for the information or the sources of their information on me. I want to freeze them from obtaining and distributing my information and in order to do so I have to mail or fax my personal information to prove that I am in fact myself which defeats the whole purpose of me not wanting them to have access to my information. I did not nor would I ever give a company thats on the whole opposite side of the nation my consent to collect and distribute my information.
10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91790	Web
I faxed over my neccessary information to sagestream LLC as the representative advised me to do, to put a security freeze on my credit file. I was told once I fax over the documents to the secured fax number they will immediately put the security freeze on my credit file and mail the password to remove the security freeze and I have not received anything in the mail. I am starting to feel highly uncomfortable with sagestream LLC due to the fact that I am a victim of identity theft and I have called and left multiple messages and they refuse to return my call.
08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 90029	Web
I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.
10/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33714	Web
Received a letter from XXXX XXXX on XX/XX/1025 after I tried to purchase a vehicle on XX/XX/2019. They denied me a financial loan through the dealership because of a XXXX credit score from sagestream LLC. I have never heard of this company before or why they would have any of my information or such a low score. I have been denied loans several other times for a vehicle and my guess is to this is why, it also says I have delinquencies. I'm not sure how I can have delinquencies with a company I've never heard of or why they have any of my credit information.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	IN 46902	Web
Sage Stream sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.
12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MI 48238	Web
I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 77375	Web
Upon trying to finance a vehicle XXXX XXXX denied me and my wife a loan. They sited information from XXXX, XXXX, and SageStream. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
05/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WV 24740	Web
I received a letter from XXXX XXXX indicating I had been denied for an auto loan. A credit reporting agency, that I have never heard of, XXXX XXXX had a very low score for me, even though I have an excellent credit score from the top three credit reporting agencies! I have called them numerous times to freeze my credit with their agency, but they have not responded! They also had several inaccuracies on my report! This is FRAUD!!!!! I want them to freeze my credit report! Look at the number of complaints against this agency! Something needs to be done!!!
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OH 456XX	Web
I recently obtained copies of consumer report from both XXXX XXXX and Sage Stream. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. Request that XXXX XXXX and SageStream furnish notification of the deletion of all disputed information.
03/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43607	Web
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
03/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43068	Web
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
02/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. An FTC had been filed and a police report will be filed. Thank you.
01/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IN 479XX	Web
I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30121	Web
SageStream is completely unresponsive to fax, online form, or US mail, and their phone number just goes to voicemail when dialing " 0 '' for help. I have tried multiple times to place a security freeze on my consumer file and have received no response and their telephone number is unusable. SageStream is in violation of FCRA by refusing to perform a security freeze of my SageStream consumer file and providing a PIN code by US mail. SageStream is in violation of FCRA for failing to provide a functioning telephone number with a live human being.
03/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MD 217XX	Web	Servicemember
I'm XXXX XXXX, XXXX and trying to make things happen for my family back home, but I'm getting denied based on information from a company I have never heard of called XXXX XXXX. I've tried contacting them to get information and apply a freeze on my report, their phone automatically goes to a voicemail and they never call back. I've called 86 times and left 86 messages and they won't call back. As I've never heard of them, I refuse to send PII to them over the mail or by fax. They need a working phone number so that I can apply this credit freeze.
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43231	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 068XX	Web
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX
03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30087	Web
Signing up for XXXX service at new home. They use SageStream , LLC which produced a letter noting a very low credit score, an incorrect spelling of my name and asked for a non-refundable deposit. I followed the " dispute '' details and faxed a copy of my drivers license. When contacting XXXX - no record of account nor details on this firm were noted. Now I am paranoid regarding a scam, infuriated regarding a credit scoring system not matching the ratings from the " big three '', and mad regarding a request for a non-refundable deposit.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 157XX	Web	Older American
Yes, I received my Credit Report from other companies. My first credit score was XXXX, 2nd XXXX, 3rd XXXX ... I have never had a credit score that low in my life, and I'm XXXX yrs old. This credit score came from SageStream , LLC. from California. I feel that this score will affect my other credit scores when it comes to finance from a bank ... I have paid my bills from electric, telephone, other loans & from bank loans ... NEVER, had these companies had to call to collect money or even late charges from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX
09/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92557	Web
I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.
06/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46383	Web
I recently applied for a car loan thru XXXX XXXX. I was denied thru SageStream LLC. I received a credit score of XXXX. This happen on XX/XX/XXXX. My XXXX Score is XXXX. They are using information from 10 years ago. I am not delinquent on any accounts and pay everything on time. Credit used with my credit limits are too high. Why is my score so low with this company. Never heard of them. From reading other complaints I believe this is a faurd company. I would like this searched into. It is effecting my credit I have worked so hard to rebuild
12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60201	Web
Was denied on information from XXXX XXXX on XX/XX/XXXX. Information was sent to XXXX XXXX on XX/XX/XXXX. Calls for answers, credit report requests, and specific reasoning for given score ( XXXX ) have gone unansweredrobocall recommends leaving messages ( left two separate messages ). Far below and out of line with all other credit scores from independent providers. Intentionally opaque and against multiple aspects of the FCRA, including : Access to my Report Protected access to entitled parties Knowing when my Report is used against me
01/24/2017	Yes	Credit reporting	Credit monitoring or identity protection Problem with fraud alerts	KY 40214	Web
Im am in the process of disputing items that i believe to be incorrect on my credit bureau. Ive attempted to place a security freeze on my account with Sagestream and they continue to state they cant verify due to not being able to read the fax after three times. I then sent a certified letter to them to ensure that the information was clear and that they received it. I have left multiple voice messages with the company and havent gotten a return phone call. This is interfering with me taking care of serious issues in regards to my account
09/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08859	Web
I have attempted to obtain my consumer report from this company on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via facsimile at XXXX. My official document of a Driver 's License under category XXXX as implemented by XXXX meets all of the requirements. It has my current address/name and identifying information. However, they purportedly have DENIED my request twice for a consumer report. My Driver 's License has been copied at 130 % resolution which is more than satisfactory. I have even included a scanned copy to this complaint filed with the CFPB.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92404	Web
XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. I n accordance with the Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
12/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 070XX	Web
XXXX XXXX XXXX which ive Never heard of before, have reported my credit score to be XXXX out of XXXX. My FICO score is as if today XXXX. I monitor my XXXX, XXXX and XXXX Which i understand are the o my agencies allow to provide my credit score, and this XXXX score simply doesnt add up and it is affecting me. I reached out and they want me to send a copy of my social security and license which I am not doing. I am formally opening a complain and hoping this company is taken out of circulation as it is affecting peoples credit worthiness.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77530	Web
I found out my minor child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web	Servicemember
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.
04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30274	Web
In XX/XX/2019 I was denied credit due to an inquiry for my credit score from XXXX , XXXX. I have never heard of this company and when I call to get a copy of my credit report I have to leave a voice message. An online inquiry or a written inquiry to XXXX , XXXX, I have to provide copies of my driver 's license along with other documents, including my social security number. Is XXXX , XXXX a legitimate credit bureau? Never heard of them and why can't I get a copy of my credit report from them. No call back and no one answers the phone.
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 140XX	Web
XX/XX/2019 - Applied for a car loan through a dealership. Was denied. Received a letter in the mail ( dated XX/XX/2019 ) stating denial and showing credit score results. XXXX reflected a seemingly accurate credit score ( I have never missed a payment in my life ) but XXXX XXXX XXXX showed a poor credit score. A quick XXXX search reveals countless testimonies to XXXX 's low credit score reporting and their spam-like behavior. Sought my own financing and found it easily through a credit union because my credit is, in fact, excellent.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60411	Web
Ive disputed a XXXX XXXX XXXX IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the XXXX and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX they are reporting. They replied to me with the XXXX being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20852	Web
I have incorrect information on my XXXX report. I tried to get it investigated via mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, however, XXXX XXXX only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on today, XX/XX/XXXX. My license, bank statement, and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my XXXX report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 754XX	Web
Never heard of this Sagestream llc consumer report. Was denied a vehicle purchase due to their WAY lower score than what I have with other agencies. Went to get my report from the company and they refuse to release my info and give me my credit score unless i SEND them hard copies of my personal information such as my driver 's license and social security card. This opens me up to huge risk i should NEVER have to do. They are reporting WAY lower scores with no way of getting the info unless they get your private information first.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 359XX	Web
Well I am a consumer and I received a letter informing me that I was denied credit. So when I look too see the credit agencies they used I see XXXX and some company named XXXX I dont know them and have never heard of this company. Okay so I pulled my scores from all three agencies ( XXXX, XXXX & XXXX ) and they were basically the same but with this company my score is extremely low and this is not accurate and I want something done about it. The letter is dated XX/XX/XXXX although I initially applied for credit on XX/XX/2019 2019
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. Thank you.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	OR XXXXX	Web
Twice I have mailed in a request to get a copy of my report ( even though I have no idea who this company is or why they have my info as I have NEVER authorized it ). They are saying my score is super low which does not mesh with what the three major bureaus show. I want someone to contact me with a report and I I want them to call me to go over it line by line so I can dispute incorrect info because they obviously ignore the mail they receive and are abusing their title as a " credit bureau '' when they shouldn't be one at all.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43235	Web
My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 328XX	Web
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. I need the removal of these accouts from my credit.
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MY NAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX. SS XXXX DOB XXXX. I HAVE STARTED ON A NEW BUSINESS AND WHEN I LOOKED OVER MY FULL REPORT I SEEN THAT THERE were SEVERAL ERRORS! PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXXXX/XX/XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX.
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30507	Web	Servicemember
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
I recently applied for a car loan and was denied due to a negative reoort from sage stream llc. XXXX had my score at XXXX and sage stream said it was XXXX. Cause I had limited history at this address and phone ( I've lived here for XXXX yrs and had the same phone for XXXX yrs ). To many delinquencies ( I have 1 that is 2 yrs old ). In order to ask them to look into this I have to send various forms of US. I do not feel comfortable doing this with an un known company that's seems to be a scam to raise your interest rates.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95833	Web
My complaint centers on SageStream , LLC reported inaccurate and private information, which has adversely affected my consumer report. You are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C. 1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. There actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected.
07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 55343	Web	Servicemember
I am still having an issue getting my Sage Stream Consumer Report. I have sent identification documentation, but I havent received my Sage Stream Consumer Report as of today. All of the information, accounts and credit inquiries listed on my Sage Stream Consumer Report is all fraudulent information, accounts and credit inquiries, because I was just recently released from XXXX after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, DOB : XX/XX/1974, SSN : XXXX.
10/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33971	Web
I have for 3 months now through fax, phone message and mail to1 get a copy of my credit report, 2 place a freeze on my credit report all through no avail .. I call daily 15 times throughout normal business hours to never get any one on the phone and the same message that they will call you back after a message is left in 24 hours to never hear from anyone or never get anyone on the phone .. same thing through fax and mail no response at all 3 months in XXXX how is this company able to operate? Sage stream is the company
01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32003	Web	Servicemember
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, SAGE STREAM, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85040	Web
On XX/XX/2020 a letter was mailed to me stating that I was denied for credit due to a low credit score from some company by the name of SageStream llc XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I do not know who these people are nor did I give their company permission to get my information and come up with some crazy score. These people need to be stopped!!! I do not feel my information is being represented correctly by these people nor do I think they should have my information. I do not want this company acting on my behalf.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 23666	Web
On XX/XX/2023 I submitted a request to SageStreamXXXX to obtain a copy of my credit report. Prior to XX/XX/2023 I had no knowledge of SageStream nor did I consent to them divulging any information. On this credit report are multiple inquiries that continue to persist on the report well beyond the statutory limit. In addition, these inquiries are printed multiple times making it appear as if there are more inquiries to my credit than there actually are. I believe this has contributed to the unlawful denial of credit.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89121	Web
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
12/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 55414	Web
I contacted the company on XX/XX/2019 to request a copy of my credit score through them and my credit report. The website indicates I will receive this information within 7 business days by first class mail. The credit score arrived at the end of XXXX ( XX/XX/2019 ) and the credit report has not yet arrived. The reasons listed for a " low score '' include limited history at phone number - which has been the same phone number for over 15 years. I have requested another copy of my report and have not yet received it.
08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WV XXXXX	Web
My name is XXXX XXXX. XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX-XXXX. My SS is XXXX-XXXX-XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX5 XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MI XXXXX	Web	Servicemember
I have gone online twice to obtain a copy of my credit score and consumer report with SageStream credit reporting through their online portal. I have sent all the necessary documentation they have requested and have received nothing. On XX/XX/2020 I attempted to call on the phone and got a recording and they wanted me to leave a message. How does a credit reporting agency that controls such an important part of a persons life not be available to answer calls? Never even heard of SageStream until 2 months ago.
03/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43004	Web
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
08/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 458XX	Web
I opened an account with XXXX XXXX XXXX internet to be installed. They do a credit check in order to ensure the customer would be of no concerns. That's no problem I understand that. Yet, when I receive the letter from XXXX XXXX XXXX stating my credit score is XXXX when in fact I know it is not its way too low. I looked into the credit agency where they have been known to lower your credit score by 200 points! Sagestream was, therefore, stating my score is XXXX when in fact XXXX says it's XXXX and XXXX XXXX.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	UT XXXXX	Web
THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX AND SAGESTREAM LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND ITS XXXX XXXX XXXX THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! THEY HAVE NOT RESPONDED AT ALL. ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30329	Web
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33458	Web
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 707XX	Web
My credit report with Sage Stream is supposed to have a permanant freeze on it and never to be used for credit reporting purposes. I sent them a request on XX/XX/XXXX to freeze my report permanantly and they sent me the letter saying that they had frozen it. Well on XX/XX/XXXX I applied for credit and the decision made by the lender came from Sage Stream. They were not supposed to see anything by Sage Stream. Because it was supposed to be frozen indefinitely with them. I don't even know who Sage Stream is.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA XXXXX	Web
I sent a letter requesting validation of accuracy of my personal information and inquires to your company. It has now been 30 days and have not received any information regarding my dispute. Federal law requires that consumer agencies respond promptly within 30 days. Since your agency has received my letter. ( Proof enclosed ). You have violated my rights has a federally protected consumer to conduct a reinvestigation within 30 days. Original Letter enclosed Proof of identity enclosed Proof of receipt
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 93705	Web
I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #.
09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 11101	Web	Older American
I contacted SageStream LLC to put a security freeze on my information. I submitted the required information and copies of my identification documentation on XX/XX/19. Their website says they will respond via U.S. Mail. To date, there has been no response. I telephoned them and even though I was calling during their business hours I am unable to get hold of a person ; their answering device says to call during business hours ( which I did ). I have no idea how to get hold of a human to freeze my account.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 432XX	Web
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
04/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 32256	Web
While shopping for a car, I was told my credit scores were too low? I know my scores from XXXX, XXXX XXXX and XXXX. I was told there is a new credit reporting agency called XXXX XXXX??? Who is XXXX XXXX? NEVER HEARD OF THEM. How do they have my information without my consent and how can companies all of a sudden become credit reporting agencies reporting inaccurate credit information? Is this an attempt to report negative information in order to allow lenders to charge more interest? WHO IS XXXX XXXX?
06/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30132	Web
I applied for a credit card with XXXX XXXX and recieved a letter that they pulled my credit report from a a company called " SAGESTREAM , LLC ", I'M extremely concern due to the fact this company i never heard of and they are not one of the Credit agencies allowed to provide this information. Also show my score at XXXX which is so wrong becuase my score is XXXX with XXXX and XXXX and XXXX. I want my file removed from them and want to know who authorized them to put my information in their system ..
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17109	Web
XXXX XXXX XXXX, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing XXXX suppose to remove the negative item but XXXX don't want to remove the item, XXXX, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH XXXXX	Web
I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they XXXX sent me a letter and then they will provide my with my report after I receive it. Then they send an email and ask that I verify my email address. 3 steps to get a report that I haven't been able to receive still at this current time. My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.
08/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80231	Web	Servicemember
ForseveralyearsnowIhavebeentryingtogetXXXXXXXXXXXXXXXXandXXXXXXXXXXXXtoremovetheFRAUDaccountsthatwereopenedbyXXXXXXXX.IhavesuppliedtheCreditReportingAgencieswiththepolicereportandFTCfraudaffidavitandsaidtheyhadtoremovetheblockthisisnotrighttheyfailtoshowmewhereiopenedeitheroneoftheaccountandatthetimewasworkingoverseasfortheXXXX.SoiamrequestingthatthefraudaccountsbeblockedandremovedperstatueFRCA605BUSC15.Itsliketheycanshowastatementandtheyhaveenoughevidencenotheneedtoproveitorremoveit. XXXXXXXXXXXX
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34221	Web
I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34761	Web
I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXX, Apartment XXXX XXXX Florida, XXXX My telephone number is : XXXX My profession is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is {$200000.00} per year. Kindly update my demographics with the correct information please.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60623	Web
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MI XXXXX	Web
I have reached out to XXXX and Sagestream and they are refusing to provide me withmy consumer report .On XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to XXXX and Sagestream.
10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	VA 232XX	Web
I was denied credit on XX/XX/2017 and the listing company was XXXX XXXX XXXX, Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX When I tried to get my report they are asking for personal information in a Hard Copy. Such as Passport and other personal documentation. The other credit agencies do not do this and it seems very suspicious to me that this company asked for this information mail or faxed to them. I should be able to get my free credit report without these additional hard copies.
04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 433XX	Web
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
12/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
11/03/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 28677	Web
I applied for a loan on a used XXXX XXXX and was denied because of a credit score of XXXX on XX/XX/XXXX from SageStream , LLC. My credit score through XXXX was XXXX. I want to know why SS, LLC gave such a low credit score. I want a copy of my credit report from SageStream , LLC but they want every piece of info about me and Im not comfortable giving all that info to a company Ive only heard negative information on. The application number on the denial letter is : XXXX. Thank you, XXXX
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
I am having major issues with fraudulent addresses appearing on my credit report. The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX I
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AR 71603	Web
I received a denial of finance from an auto dealership. And listed as a credit reporting agency is SageStream. Besides the fact that they are mostly unheard of, how can it be fair to consumers for this invisible company to rate our credit when they obviously use a totally different means of using their information. And with them having close ties to these other companies that sell consumers products and services that are closely tied to needs/ideas of the information they are reporting on?
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43213	Web
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX* MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30315	Web
XX/XX/2023 SageStream , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
04/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37040	Web
I applied for a car loan through XXXX XXXX and received a letter in the mail informing of being declined for a loan. Not for my XXXX score which is XXXX, but because of my score from a company called " XXXX '' and their score of XXXX. That is a huge difference in my XXXX, XXXX, and XXXX scores. Who is this company and why do they or should they have access to my credit information and where are they obtaining that score, when all other companies and my FICO score, are much higher?
09/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	UT 841XX	Web	Older American
Consumer credit reporting company XXXX has unduly rigid requirements for requesting either a credit report or credit freeze. They insist on being provided via mail, copies of identification documents such as driver 's license, passport picture page or social security card before taking action on the consumers request. The big three reporting agencies all use alternative verification methods that do not require release of additional information by the consumer. See : XXXX XXXX XXXX
04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 395XX	Web
XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 43231	Web
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07501	Web
I have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.
08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30005	Web
As of XXXX XXXX 2017 my credit score was XXXX. I applied for a credit card and it came back declined from XXXX XXXX XXXX due to the reporting agency Sagestream LLC reporting my score as XXXX in XXXX of 2017. I have NEVER missed ANY type of payment and have always had very good credit until SagestreamLLC was involved. I read other complaints of other people online having this same problem with Sagestream. I am very angry about this company having a negative impact on my credit.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30223	Web
I contacted SageStream PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize Sagestream, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.
01/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10550	Web	Older American
This company sagestream, never heard of reported to XXXX XXXX XXXX, made up info about my credit, such as consumer associated with too many phone charges, and that balances on credit limits too high, where are they getting information, and then to top it all off they said my credit score was XXXX what is this at the time my score was XXXX, something no right they need to be investigated, who are they, now Im denied a credit card at XXXX, and I have a account already with XXXX
08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NC 28326	Web
Was denied credit for inaccurate information reported by Sagestream LLC. I called many times to freeze my report, view the report and to block any potential false information from being reported. No one answers calls or responds to the many voicemail messages left. Their website says to fax all of my personal information just to request a freeze on my report. I never heard of this company and do not feel safe sending them my information and I can't even reach them by phone.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
To whom it may concern, my information has been compromise in XXXX data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 17545	Web	Older American
On XX/XX/2019, I applied for a XXXX ( XXXX ) credit card and was told it needed further processing. I recieved a letter from XXXX, that a security/credit freeze was put on my account. I NEVER authorized a credit freeze with Sagestream. I never heard of them till I got the credit denial letter. I tried to contact/dispute this by calling, ( no one answers ) .going to web site ( unsuccessful ). They want to to faX personal information to them in order to help me. I will nto
02/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30093	Web	Servicemember
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33460	Web
THESE ACCOUNTS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37087	Web
Received a denial for a loan I never applied for from a company called SageSteam LLC. A personal loan offer popped up on my XXXX for a company called XXXX XXXX with a ridiculous 98 % interest. Apparently this company thinks that simple looking at their offer is the same as accepting it. Both SageStream and XXXX XXXX companies are questionable, I would even say fraudulent. I'm just thankful that they declined it and I did have to start some kind of drawn out legal battle.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 604XX	Web
I checked my credit report and noticed inaccurate information in my Public section. I have I asked XXXX XXXX how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
11/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 350XX	Web
I purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 988XX	Web	Older American
On XX/XX/XXXX was denied credit for a truck loan by XXXX XXXX XXXX, CT. Wanted credit report from " Sagestream llc ''. Sent in all required forms and info which included, Name, birth date, address including zip, phone number and Social Security number. They refused in a call back by saying " Doc '' was expired which it was not. Doc was a temp Drivers License printed out page with the expired date of XX/XX/XXXX. Can not reach them by phone. Something is not right.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX XXXX ; XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48192	Web
Applied for a car loan at auto dealership. Approved on the spot by XXXX. Credit score of XXXX or higher with all 3 major credit reporting agencies. A month later received letter from XXXX XXXX of denial. Reason, credit score of XXXX from Sagestream. Every review I've seen says they are reporting people 's scores up to 300 points lower than all of the 3 major companies. I want to know who are they and why would anyone use them. This happened last month, XX/XX/2020.
02/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91775	Web
I received a notice of rejection from XXXX XXXX on XXXX/XXXX/2020. I submitted for a freeze online and for my free consumer report that very same day. No luck or response, so I submitted again on XX/XX//2020. I also tried calling on XX/XX//2020 and they said they would contact me back in one business day. It is now XXXX/2020 and still no response or letter about my credit score or credit freeze. Please get them to freeze my credit score and send me my credit report.
03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 92373	Web
On or around XX/XX/2020 I apply for a XXXX XXXX account with XXXX XXXX XXXX application number XXXX was denied because according to sagestream LLC my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for sagestream LLC to have my information I got denied credit base on their incorrect information
02/04/2017	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	FL 32073	Web	Servicemember
I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.
01/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76542	Web	Servicemember
Man at this point I am really sick of trying to deal with this company. I called Sagestream and left a voice message AGAIN and no one answered as usual NOR did anyone call me back. Hoping to get what I need done through here. You guys should really double check that these companies are submitting working numbers because they aren't working for us consumers. On top of that the ID 's I sent were clearly visible so it seems like they are just playing games with me.
03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30501	Web
I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. Thank you.
12/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NC 273XX	Web
XXXX is selling access to information I did not opt into, nor authorize. Its providing scores on data I can not see and it does not have a reasonable way to download a copy of what they are reporting on me to other companies. Because I do not know what's in this file they are reporting to vendors, I can not dispute what is in it and I have been financially harmed. I can not get my legally required free annual report from the website the government help setup. HELP
10/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43232	Web
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
03/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 76226	Web
I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?
03/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web	Servicemember
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43207	Web
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX
12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 560XX	Web
I had a complaint that was filed through the CFPB on XXXX. They used to Be IDA. XXXX failed to tell me in there long winded response if it was still frozen. My prior address was XXXX XXXX XXXX XXXX XXXX, MN XXXX when I froze this report. I faxed all documents to XXXX. Way back. If IDA went under a name change that does not mean my credit file should still not be frozen. I want the CFPB to see previous response. They did not address if my file was frozen.
07/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76011	Web
On XXXX XXXX , 2017 I received an email from XXXX saying that they could not approve my application. The fact is I never submitted an application with them. They also said that SageStreamLLC provided them with my credit report. I never authorize XXXX to pull my credit and I did not authorize this SageStream, the credit reporting agency to provide my information to them. I feel that I should be compensated for this unfair invasion of privacy
02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43085	Web
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76028	Web
3 certified letters 1st to old address ( via literature provided by them ), NEVER FORWARDED by Post Office. No forwarding order by company ( intentionally? ) 2nd letter to New address, Never verified delivered ( suspicious ) 3rd letter to New address via Priority Mail, Never verified delivered ( pattern? ) the company can Not be contacted by telephone. the " automatic '' Phone to request CREDIT FREEZE, can Not understand my native English language.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43054	Web
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 93420	Web
XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.
02/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Web	Servicemember
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 362XX	Web
Received letter dated XX/XX/18 from XXXX XXXX XXXX stating credit score of XXXX from XXXX. I havent applied for any service from XXXX XXXX XXXX and have excellent credit. I keep a freeze on my credit from 3 main agencies since all social security numbers were compromised in XXXX XXXX a few years ago. Why did my credit get run without me applying for something? I cant get any answers from phone calls attempted. Also, address is incorrect on letter.
01/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OH 43207	Web
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, XXXX, Sagestream and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 94509	Web
I had applied for a credit card online for XXXX XXXX XXXX, with XXXX XXXX XXXX and I was denied by XXXX. XXXX. They stated My credit score as of XX/XX/XXXX was XXXX. I know for a fact what my scores are otherwise I would not have applied. I never heard of this company. They have a P.O.Box Address In XXXX XXXX, Ca. I am wondering if this consumer agency is legitimate? There address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
11/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63135	Web
Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to XXXX XXXX an online bank that went to Sagestream Credit e located in XXXX XXXX CA. Sagestream stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
11/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78412	Web	Servicemember
I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. I've also left 2 messages since sending the letter with not response.
07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX XXXXX	Web
I received a letter from SageStream LLC stating that I had requested my StageStream XXXX XXXX score but I have not requested such a score. The description of the key factors adversely affecting my score were incorrect and incomplete. I have requested a copy of my credit report which sage stream has refused to provide. Theyve also refused to provide any information about any creditor or potential creditor that they provided information to
01/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43214	Web
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11413	Web
In accordance with the fair credit Reporting Act XXXXXXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 707XX	Web
I submitted a compliant with you all about a month ago on Sagestream LLC. They in their response to you all they said that I could fill out the request to freeze my report online through their response to you all and I did email them the form to freeze my report but to this day it has not been frozen yet. I haven't heard anything from them since I filled out the form to have my reports frozen on their website via CFPB response from them
04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30066	Web
XXXX XXXX XXXX is reporting extremely low credit scores to XXXX XXXX during car loan application process, in order to allow XXXX XXXX to increase interest rates or having your application denied. The discrepancy in credit score between XXXX XXXX and the 3 other credit bureaus is over 300 points lower than the other 3. Please stop them from accessing consumer information and formulating scores that hurt people 's borrowing potential.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33578	Web
I have tried several times to request a copy of my consumer report from sage-stream via their website and my mail. I was advised that i would received it within 10 days from the date of the request. I requested the report twice in XXXX and twice in XXXX of 2020 and XX/XX/2020 with no luck. I demand that this company send me a copy of my consumer report via mail immediately as it is my right as a consumer to have a copy of such file.
11/21/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
10/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33837	Web
I recently applied for auto finance. I was accepted. A month later I recieved a letter saying I was denied finance from another lender. It cited the reason as my credit score from SAGESTREAM LLC as being XXXX ... .yet i know my vredit score from the other main three agencies is 730+ why is this score so low? who is sagestream? I have seen multiple complaints about this company online, hundreds of consumers with the same issue.
04/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33056	Web
To Whom it may concern, I request a copy of my XXXX consumer report for freedom of information purposes since my information is involved. Furthermore i request a freeze to be added to my XXXX consumer report pursuant to my fcra right as consumer. Attached is a copy of ID and SSN for Verification Purposes Please Send Me a letter Confirmation with My XXXX Consumer Report Blocked To the address listed on that request Regards,
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02895	Web
Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.
08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
Sage Stream is reporting adverse information of fraudulent accounts and credit inquiries on my consumer report. All the credit inquiries and fraudulent accounts listed on my consumer report is fraudulent and unauthorized. The credit inquiries or accounts are not my credit inquiries or accounts. There shouldnt be any adverse information of accounts or credit inquiries listed on my consumer report. I am a victim of identity theft.
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62234	Web
I requested a car loan. I received a letter from XXXX XXXX stating our XXXX XXXX credit score was XXXX. My credit score from Sagestream LLC was XXXX. How can they possible have such a lower score than the other three reporting credit bureau 's? I do not think this was fair and I think they have a lot of errors. This is not a reputable credit reporting agency and I do not feel they should have consumers private information.
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30096	Web
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 94030	Web
this corrupt inept, scandelous company froze my credit w/out my permission, they have several XXXX, and XXXX XXXX XXXX complaints, i have called them several times and they never answer the phone, just tell you to leave a message which they never return, so right now they control my life and my credit by the freeze. i wa n't it taken off and this company fined. i have made complaints with XXXX, XXXX XXXX XXXX and atty general.
05/16/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	712XX	Web
I went to the XXXX used car lot in XXXX Louisiana. It's been a while since I had. Like less than 2 years. I DIDN'T get a car not loan. It's has me as having a loan for a car an neither of them I was informed about. I'm trying to get a place to live and my credit is the reason to why I can't get a roof. I have a XXXX year old XXXX. Help me with the process of getting us a place to live. Please and thank you.. 2020. XXXX XXXX
01/04/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AZ 85226	Web	Older American
On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from XXXX.
01/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 349XX	Web
I have contacted Sagestream several times and no one answers, voicemails do not get returned, and its pretty annoying i submitted a simple request so not sure whats taking so long to receive confirmation. Maybe submitting it this way will get the result. Hopefully this is the last complaint I have to make because i DEFINITELY sent my ID with my request last time when they are claiming I didnt just so they dont have to do it.
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	KS 66047	Web
On 2 separate occasions I attempted to place a freeze on my report from Sage Stream. Once online and sent verification documents including a copy of my XXXX and current lease. The second attempt was by phone with an agent who verified my identity and then confirmed my report had been frozen. All of this occurred in XXXX and XXXX of this year but as of XX/XX/2021 XXXX XXXX is still providing information to potential lenders.
04/05/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	TX 782XX	Web
I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law.
03/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 08046	Web
I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation
11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 981XX	Web
After unexpectedly being denied credit, I contacted Sagestream , LLC in writing on XX/XX/19 to request a copy of my credit report. I did not receive a reply. I left a voice mail on XX/XX/19, XX/XX/19, and XX/XX/19 requesting that someone call me back so that I may receive my credit report. Sagestream LLCs answering service says that they will return calls within one business day, but none of my calls have been returned.
02/24/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 342XX	Web
i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. I would like this company to respond to my inquiry.
07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46804	Web	Servicemember
I applied for a XXXX XXXX credit card through XXXX XXXX XXXX and I was denied from SageStream LLC saying my credit score was 300 points lower than the actual score. They said they have their own system and its always 200-400 off. This is a scam for them to get my personal information and I'm extremely upset! I do not have a low credit score and they should be shut down for falsifying my information. This is wrong!!!
03/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92311	Web
SageStream , LLC on XX/XX/2020 shows that my credit report had to many inquiries along with a multitude of other things in my credit score that just aren't true. The list includes : Unacceptable account history. Unacceptable credit history. Insufficient credit references. Limited credit experience. Number of recent inquiries. They also ran my credit without my permission but that is another case that's pending.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43219	Web
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM they also have records of files that are wrong.
10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 154XX	Web
I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75149	Web
I requested a security freeze with Sage Stream on XXXX XXXX but havent received a PIN number to unfreeze or any confirmation number. Im having a problem establishing new credit now because I cant unfreeze my consumer report with this company so my identity is hard to verify. Ive called so many times but its automated and Im not able to speak with a human. Ive even requested a replacement PIN number on XXXX XXXX.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43123	Web
I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX SS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, OH XXXX
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 236XX	Web
For one, I dont know who these people are. I never gave them permission to go into my personal information to obtain my personal information. Which resulted in higher interest rates of a recent purchase. My credit score was extremely low compared to other reputable agencies. I truly believe their main purpose is to help crooked business to charge the consumer more monthly payments, because of low credit scores.
01/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 86301	Web	Older American, Servicemember
A recent credit report secured from " Sagestream LLC '' about my credit was knowingly reported extremely low rating in order to cause high interest rate with the bank requesting the report. This appears to be common practice with that company given the large amount of complaints that can be found on the internet regarding this agency. My legitimate credit rating is XXXX, but reported by Sagestream LLC as XXXX.
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 456XX	Web
I am challenging the validity of bankruptcies being reported on my credit report to all three bureaus. It is to my knowledge I did not authorize any information to be released for any purposes and I would like full documentation and verification that these bankruptcies belong to me as I have gone to the court, and they informed that no such information is released. Furthermore, there is freezes on my account.
07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 10075	Web
I previously filed a complaint on XXXX by XXXX due to a denied loan. I was told the reason was due to too many inquires, which was strange because I hadnt applied for anything. I was told to contact Sagestream LLC, a company Ive never heard off. Ive tried to call to no avail. Ive submitted all requested information to Sagestream in order to receive a copy of my credit report and have not received a response.
12/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33409	Web
On XX/XX/2019 I requested a Security Freeze with Sagestream LLC for my credit file by fax and haven't gotten the pin number or letter stated that the security freeze was applied. So I sent a second request by certified mail that was delivered on XX/XX/2019 and here it is XX/XX/2019 and I have not received anything about my request and it's hard to get in touch with anyone on the phone to resolve this problem.
09/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33990	Web
I got denied a credit from ally for a car loan. Their letter states they used XXXX XXXX. As the letter writes, I called to obtain my credit report from them. When I called no one picked up the phone and was instructed to request my report online on their website. When on the website, I was told to call instead. I called again trying to speak to a representative but you can only leave messages on a voicemail.
03/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29801	Web
I applied for a credit card at XXXX XXXX. I was declined at the store to get a card. I received a letter from XXXX XXXX stating that the reason they were unable to approve my request is that " Credit bureau reports applicant is deceased '' by Sagestream , LLC. I am very much not dead and don't know how to go about fixing this with them. They have not responded to me. Thank you for your time. XXXX XXXX
06/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30265	Web
My name is XXXX XXXX. I recently received a lending rejecting letter. I was rejected lending from a lender based my Sagestream credit score. " Sagestream '' is consistently reporting inaccurate scores compared to the big three credit bureaus. The letter states my score with XXXX at XXXX while Sagestream reports my score at a XXXX. This practice is fraudulent and should be investigated. Thank you XXXX XXXX
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21234	Web
XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so
11/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 15010	Web
Following up with my earlier complaint with SageStream I did exactly as they said and provided my identity and that being a month ago I still don't have a copy of my report. I called and stated that ; " I better have a copy in the mail by the end of the week or another complaint will be filed and possibly I will contact an attorney. '' Have not received a call back nor my credit report as I have asked for.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20002	Web
On XXXX XXXX I received a letter in the mail from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX stating I owe a balance of XXXX according to XXXX XXXX XXXX the obligation or other security of the United States includes all bonds, certificates, of indebtednessXXXX XXXX XXXX currency XXXX fXXXX XXXX notes, XXXX XXXX XXXX notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc
10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	DC XXXXX	Web
I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at XXXX.
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30096	Web	Servicemember
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76021	Web
on XX/XX/XXXX I applied for XXXX vehicle loan, Sage Stream has sent me a denial letter after applying for a vehicle loan based on length of residence too short ( lived there since XX/XX/XXXX ), limited history for consumer at this phone ( 12 YEARS! ) too few active accounts 5 Active CCs. This is inaccurately reporting facts about my history. When XXXX this company SCAM ALERTS pop up all over the place
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30040	Web
Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used XXXX XXXX and SagaStream, LLC. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( XXXX XXXX and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SageStream LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33487	Web
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SD 57104	Web
SageStream , LLC which relates to previous case XXXX, which you closed without a satisfactory resolution. Requested credit report on XX/XX/21, and have not received report or any communication from them. Requested definition of decline statements made to XXXX, and used by XXXX, to decline credit request in previous complaint. XXXX has also not responded to similar requests made to them on XX/XX/21.
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 46268	Web
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
08/27/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 46268	Web
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43211	Web
There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.
03/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	VA 220XX	Web	Servicemember
Upon seeking financing for a car purchase, was approved by some banks but denied by others due to credit report from XXXX. XXXX and XXXX scores are XXXX ... XXXX score is XXXX. Calling XXXX was of no use ... no one could answer questions about how scores were determined or provide assistance for resolution. Online research indicates this company is relatively new and has questionable practices.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76542	Web	Servicemember
I am So fed up with this company this is the THIRD time that I've had to submit my information because they claim they can not verify my identity with my documents which makes absolutely no send because I have sent legible government identification. Please complete my request thank you. By the way please do not put a phone number if you never answer nor call back any one, that's very frustrating.
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60085	Web
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.
09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web
REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 641XX	Web
My name is XXXX XXXX and I have been a victim of identity theft. There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. My social security number is XXXX. My date of birth is XX/XX/XXXXI want to dispute all information on my credit reports.
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MT 597XX	Web	Older American
I received a letter from XXXX XXXX dated XX/XX/2019, indicating I was denied credit because of a low credit score. The list of reasons for the low score provided by XXXX XXXX make clear that the file held by the reporting company XXXX XXXX contains errors. I have attempted to contact XXXX via phone, leaving voice messages several times over the last week, but they have failed to contact me.
09/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95355	Web	Servicemember
bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.
01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89434	Web	Servicemember
I recently purchased a new car and all of the credit bureaus sent me a report telling me my credit score. Now there is a company claiming it is called XXXX XXXX with a 250 point disparity between 3 major credit bureaus credit scores. I never authorized for this company to have my information and they seem to be fraudulent and committing slander on the American Consumer. XXXX XXXX is fraud.
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30038	Web
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43147	Web
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX.
04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43209	Web
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX XXXX, XXXX, Sage Stream. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30046	Web
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
08/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MN 55044	Web	Servicemember
XXXX 2017 applied for a car loan. Was denied credit based on report from XXXX XXXX giving low credit score when all other companies show over 800. Unable to contact via phone and website states only way to obtain report is to mail in numerous personal documents. No clear explanation as to why credit score is reported low by XXXX vs other companies. Reason listed is " trades too low ''?
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 912XX	Web
I applied for a credit card on XX/XX/2020 - I have great credit in the 800 's - XXXX XXXX used : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX They reposted me as deceased and my credit score dropped 10 points because of it. I am very much alive and very concerned and quite annoyed. I've tried contacting the company, but there is literally no avenue to speak with someone.
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43214	Web
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32003	Web	Servicemember
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43204	Web
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.
09/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MS 387XX	Web
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the XXXX credit XXXX, XXXX, XXXX. I talk to them aroundXX/XX/XXXX-XX/XX/XXXX ..
01/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 70791	Web
On XX/XX/2019, I mailed out a letter to Sagestream notifying them to freeze my SageStream report. the were in receipt of this letter on XX/XX/2019. I've yet to receive any correspondence from them. I've called repeatedly and no answer for two weeks now. please have them freeze my report immediately and have them send me in writing that this has been taken care of. thanks, XXXX XXXX.
12/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30038	Web
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 618XX	Web
My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76028	Web
Security freeze, from SageStream , LLC No response from initial letter, certified-delivered ... XX/XX/2021, ( with proof of identity ) follow up request via computer ... ... ... ... ... ... ... ... ... ... ... XX/XX/2021 Unable to contact company, other than TWICE submitting via telephone request security freeze ... XX/XX/2021 simply need security freeze, and Confirmation of such.
01/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85339	Web
I currently purchased from XXXX XXXX a vehicle. Some creditor denied because they say my credit score was XXXX. This information provided by SageStream LLC is totally false and incorrect. My credit score with all the mayor credit companies XXXX, XXXX is higher than XXXX. SageStream which I personally did not know that even existed is providing false and inaccurate information.
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 93455	Web	Servicemember
In accordance with a XX/XX/2020 letter from XXXX XXXX indicating non-approval of my application for a credit card, I requested a free credit report from Sagestream LLC in a forwarding of the letter on XX/XX/2020 ( attached file ) to the address provided in the letter, per FCRA law.To date, I have not received the free credit report from Sagestream used in the credit decision.
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 34786	Web
SAGE STREAM LLC ' I HAVE FAX DOCUMENTS TO SAGE STREAM I HAVE NOT RECEIVED INFORMATION BACK FROM SAGE STREAM I HAVE MADE SEVERAL ATTEMPTS TO CALL SAGE STREAM NO ANSWER TO REQUEST A SECURITY FREEZE AND TO OP OUT, COMPANY HAS VERY POOR CUSTOMER SERVICE SKILLS AND THEY ARE MISLEADING THE CONSUMER BY VOICEMAIL LEAVE A MESSAGE AND SAGE WILL CALL THE CONSUMER BACK AND NEVER CALLS. ,
05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NE 687XX	Web
I just received a notice in the mail today ( XX/XX/XXXX ), about being denied credit for a car loan. On the back it states which companies they pulled my credit from one is XXXX and one is SageStream LLC. I have never heard of sagestream and their score is way low. There are only 3 credit bureaus and they are not one of them so why are they giving out information about credit?
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76001	Web
SAGESTREAM place a credit freeze on my credit profile without my consent. I have never heard of the company or want to place a freeze on my profile. I have tried to contact the company multiple times but there is no customer service. There is only an automate system to collect even more personal information. I also attempt the online request but nothing is complete for weeks.
06/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	CO 80206	Web	Older American
My request for a loan from XXXX XXXX XXXX XXXX CO was denied because Sagestream , LLC reported to them that I was DECEASED!! This was sometime the end of XX/XX/2020. I have received a letter from XXXX dated XX/XX/XXXX informing me that I am deceased. I sincerely would like this corrected! NOTE : I have today, XX/XX/2020, received my credit score from XXXX. XXXX XXXX XXXX
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NC 27909	Web
XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.
12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 560XX	Web
I have tried to contact XXXX XXXX many times via phone. I previously had my report frozen with them requiring a lot of unneeded information. They do have a number so they can call you back, but with all the bulk of information. I have already given them. I feel I shouldnt have to wait for them. My issue is if IDA has changed to XXXX. Is my credit freeze still on my report?
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
Sent several supporting documents to XXXX for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 18974	Web
Applied for a credit at XXXX. And recieved a letter 10 days later from XXXX XXXX that the credit bureau, Sagestream , LLC, reports that I am deceased and credit denied. Called Sagestream, because I am NOT deceased and they refuse to help. Called the bank and they recommended calling sagestream. Is this even a real credit bureau?? The bank rep said she never heard of them.
02/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WI 54022	Web
I have sent in 3 requests to freeze my Sagestream and they have all been ignored. I requested a security freeze online and twice by mail. I have called and left over 10 messages and still have not received a response. I sent out my most recent letter on XX/XX/XXXX. On XX/XX/XXXX I requested a security freeze on the Sagestream website. My initial request was sent XX/XX/XXXX.
05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79924	Web
I applied for a car loan thruough XXXX. I just received a denial letter. Whicj is fine. I know my scores are im the high XXXX. In the denial letter some company named XXXX had a way lower score. Who is this company. I have never heard of them. Theu are reporting incorrect information to companies and having companies deny us credit. This is not fair. Csm something be done?
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WI 53105	Web
I reached out to SageStream via phone to get a copy of my consumer report and they directed me to their website. I submitted the information including a picture of my passport and they still refuse to send me a credit report saying, the identification is not enough. SageStream is intentionally and illegally making it difficult for consumers to access their consumer files.
05/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20874	Web
I don't know who this company is and why their on my credit report. I have not filled out for any credit. This company is committing fraud without my legal permission and rights. When I called they told me they didn't care about what I had to say and then hung up. I also filed with a complaint with FTC about this situation and alerted the credit bureaus of this situation.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06604	Web
The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	PA 19146	Web
I submitted a request to Sagestream for a security freeze on my Sagestream report. Sagestream ignored my security freeze request and I have attempted to contact them and still no credit freeze has taken place.The FCRA provides me the right for Sagestream to freeze my Sagestream report. I would like the assistance of the CFPB to help me freeze my report with Sagestream.
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76549	Web
SageStream , LLC Consumer Office XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Reported a credit score to a XXXX dealership were I was applying for a car loan which was XXXX points lower than XXXX, XXXX, and XXXX. I have tried to contact SageStream but unfortunately no one answers or no one is able to provide a detailed description of what they are basing my credit score on.
02/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 44095	Web
I was denied credit and a few days later received a letter stating it was denied due to applicant is deceased. I called 3 times and left messages, no one ever calls back. The message says someone will call within 1 business day, its been 5 since my first message. Tried to dispute but I need my consumer report number first. Filed a request for my report and never got it.
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 931XX	Web
XXXX XXXX XXXX shows my report at XXXX almost 200 points bellow my other reports. they refuse to answer their phone or return a call no one ever answers their phone it's a total scam that someone will. online they request I send hard copies of my SSN and DL through the mail .. extremely unsafe. they have no validation for the score being so low and it's a scam company.
09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43227	Web
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Servicemember
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Servicemember
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95670	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30122	Web
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60628	Web	Servicemember
Ive recently received a letter about trying to qualify for a loan thru XXXX by XXXX XXXX in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru SageStream Llc which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web	Servicemember
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. Some of this items already been deleted but some still remains, please help me to clear my name.
05/25/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	SC 29710	Web	Servicemember
XXXXXXXX XXXX denial for a new car purchase due to XXXX XXXX XXXX credit report of XXXX. I know for a fact that my credit report thru other reporting companies is above the 800 score. I have not contacted this company due to all the negative reports on this company, on different internet sites and I do not want to risk giving them any information about me.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 395XX	Web
Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.
10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33705	Web
On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all none accounts holding inquiries and send my a copy of updated report.
06/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and theres adverse and negative accounts and information listed on my Sage Stream Consumer Report which is all fraudulent accounts and information thats not mine and dont belong to me. I should have a clean and positive Sage Stream Consumer Report because I have been XXXX for the last 17 years. Review attached documents.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 346XX	Web	Older American, Servicemember
Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!
12/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30507	Web	Servicemember
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. Please opt me out of pre-screening offers and send me copies of updated credit files.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web
Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30078	Web	Servicemember
I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. I'd like you to help me resolve this issue, Thank you.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20770	Web
I contacted to sagestream to place a security freeze in place. I did this several weeks ago! Ive called them to verify but havent gotten any response like they state they soon the answering machine. I need to know if this has been taken care of or not. Furthermore I never gave this company permission to have or share my information to begin with.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32536	Web	Servicemember
SageStream - They are not easy to work with. I did what I could through their website and phone calls to them proves to be fruitless! I Only submitted through CFPB because I Do Not have a printer or fax. I can upload through CFPB. I will submit an ID and Utility Bill for you Again because clearly you do Not have record of what I have Already Sent.
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY XXXXX	Web
I have tried to contact SageStream credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because SageStream is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Sage Stream continues to violate the Fair Credit Reporting Act ( FCRA ) by listing and reporting inaccurate information and inquiries on my consumer report. I should have a clear consumer report. No adverse or negative information or inquiries, should be listed on my Sage Stream Consumer Report. I should have a clean and positive consumer report.
07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43224	Web
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, Sagestream, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
12/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76542	Web	Servicemember
This company Sagestream Stated in the response to my previous complaint that The documents I sent them via Fax did Not match my identity documents that were sent. I am attaching the SAME documents that I sent Via fax to this complaint so that the record shows they were correct, seems like they are toying with me at this point and I am frustrated.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN XXXXX	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 350XX	Web
XX/XX/XXXX my credit was pulled from this company. I have never heard of them and I would like to know why they are reporting MY personal information. They are reporting my score as less than half of what it actually is which has caused me to be declined for new loan requests. My credit score they reported is 300 points lower?!?! Unacceptable.
02/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 089XX	Web
Banks are using sagestream credit agency to run credit reports, a lot of info is all wrong and many people are claiming low credit scores, sagestream score for me is XXXX, thats about 180 points lower. Whats strange is, I have a security freeze on ALL 3 credit agencies, and the only one to come up with a score and credit history is sagestream.
08/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43219	Web
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all none accounts holding inquiries and send my a copy of updated report.
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 300XX	Web	Servicemember
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.
03/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web	Servicemember
I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11772	Web
I previously notified XXXX thru the CFPB that I am a victim of identity theft, XXXX responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report
10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	SC 29710	Web
I have tried calling the company of Sagestream LLC numerous times no call back once left voicemail on XXXX. If they are provinding my credit to any company I need too know and also freeze in which I have been calling to get a copy n too freeze from use. Its a recording to where someone will call you but no one ever answers or call back
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.
01/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30093	Web	Servicemember
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 953XX	Web
On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.
05/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 086XX	Web	Servicemember
applied for a car loan. XXXX XXXX denied due to credit report. XXXX XXXX credit score XXXX. XXXX credit score XXXX. length of residence too short. Bought my house XX/XX/XXXX paid off mortgage. Too few active accounts. I have 1 department store account. 2 XXXX XXXX accounts and a visa card since XX/XX/XXXX that I pay in full monthly.
07/05/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	AZ 85730	Web
Applied to XXXX for their credit card. Received a reply from XXXX XXXX XXXX, that, using XXXX XXXX my credit app was denied because I am DECEASED. Most assuredly I am not. I have called XXXX, left a message and no reply. This is sloppy credit investigation, poor scrutiny and lousy fact checking. This company needs to be closed.
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33028	Web
Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX florida XXXX everything else is FRAUDULENT!!!
10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 707XX	Web
I mailed a certified letter to Sage Stream asking them to freeze my credit report over a month ago and to this day the request has gone unansewerd. My credit report is stillll not frozen by Sage Stream. I would like for them to freeze my credit report immediately. XXXX XXXX XXXX XXXX XXXX . XXXX La. XXXX Last four of SS # XXXX
06/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MS 39564	Web
This " credit reporter '' requires copies of sensitive personal information to be physically sent in order to get a copy of a credit report. There is no online access. They don't answer the phone during normal business hours despite multiple attempts. Their scoring does not take financial obligations or history into account.
10/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60612	Web
Recently went into purchase a vehicle for my business. I was XXXX with my original credit chec. Then XXXX XXXX XXXX reported an incorrect credit score. 200 points less than the three other credit bureaus. The intentionally report lower scores to increases clicks on a website and increase Ingres rate from finance companies.
12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 96007	Web
I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89081	Web
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43219	Web
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 295XX	Web	Older American
A company named XXXX XXXX has my credit score information and is giving out my information. I have had a freeze on my credit for two and a half years due to the theft of all my personal information. I've never heard of this company and I've never been in contact with them till I tried to call them and I got a recording.
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CO 80026	Web
applied for credit card with XXXX to save on buying appliance was turned down when the letter came 7 days later explaining why it states I am deceased. I am quite alive and working. This is a very poor company that can not see dead people do not go to stores and buy appliances cut rate company very disappointed in XXXX.
03/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KS 673XX	Web
want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,
01/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MN XXXXX	Web
I called XXXX and asked how they came up with my score when my insurance card told me we got information from XXXX. I called XXXX and he said we will send you and still now they are not giving me my credit report. I asked and faxed to them 3 times and no one responded till now and i got the fax confirmation letter.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43110	Web
I am trying to finance a vehicle through XXXX XXXX XXXX. My XXXX credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.
05/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TN 37363	Web
I have requested 3x my consumer report while also asking them to freeze my consumer report and the last attempt I sent a notarized letter including a photo copy of my drivers license, SSN card and proof of mailing address but every time I get a letter sent back asking me to send more information identifying myself
08/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43229	Web
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
07/11/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20737	Web
I contact sage stream online for a security freeze they sent me out paperwork with asking me to send my proof of address and identity and I tried no response there email address is sagestreamll.co and called XXXX XXXX XXXX please help me fime a complaint on them they never answer phone after I filed for a freeze
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33830	Web
You are reporting my credit score at XXXX. It was XXXX, 3 years ago. My credit score with XXXX is XXXX. It seems you should update your records before reporting a faulty credit score. I have worked so hard to get this up and you made me look terrible. Thanks a lot! XXXX XXXX was able to help me finance a car.
03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30504	Web	Servicemember
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
03/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85306	Web
Got a letter from XXXX XXXX saying I was denied a car loan from them because of a illegal credit reporting company called XXXX XXXX XXXX. This " credit reporting '' company is providing false data to banks and other financial companies. This company needs to be shut down and all consumer info needs to be wiped.
10/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43204	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from XXXX XXXX, SAGE STREAM, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
06/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43085	Web
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following accounts listed on my XXXX XXXX Report is fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89149	Web
Purchased a new vehicle and upon going through the process of getting financed my information was submitted to XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX and in return I received a declined letter from a SageStream , LLC who states my credit score is substantially lower than what it actually is.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 221XX	Web
I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX 4 times with zero resolution! My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
06/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98092	Web	Older American
This is in regards to a company called SageStream , LLC. My credit score is XXXX and my XXXX is XXXX yet they report we have serious delinquencys and other false claims! We can't have excellent credit and have the things they are claiming! I have seen so many complaints about them! They need to be stopped!
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55112	Web
IN accordance with the Fair credit reporting act # XXXX XXXX bankruptcy. XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 15 U.S.C Section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Servicemember
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.
07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89048	Web
XX/XX/2020 XXXX XXXX uses a fake consumer reporting agency called sagestream llc. They have my credit score as XXXX. I have XXXX with XXXX h XXXX XXXX with XXXX and XXXX with XXXX this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.
01/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 15010	Web
After receiving my personal credit report from Sagestream LLC I submitted a statement asking if in the notes it could be put that one of my accounts was closed due to fraud. I followed the company 's procedure and sent a secured fax and gave a deadline of XX/XX/2020 XXXX XXXX est to respond. They did not.
01/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30127	Web	Servicemember
These Accounts have been deleted from XXXX XXXX. Immediately delete and inform XXXX and XXXX to delete also. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. here is the XXXX XXXX credit report dated XX/XX/XXXX and XXXX XXXX file attached.
10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NJ 085XX	Web
Sagestream somehow " verified '' I resided at an address I have never lived at and according to XXXX XXXX is actually XXXX University. How they came to this conclusion I have no idea. It's obvious someone confused XXXX XXXX, NJ with XXXX, NJ however Sagestream stands behind this erroneous reporting.
06/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39046	Web
I am writing to request the removal of unauthorized credit inquiry. SageStream LLC. XXXX XXXX pulled my credit report file from this company listed SageStream LLC. This company is reporting incorrect information on my credit file and my credit score. Please investigate and remove from my credit file
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WI 54022	Web
I have sent in 3 requests to un-freeze my Sagestream and they have all been ignored. I requested to un-freeze online and over the phone. I have called and left several messages and still have not received a response. I requested to remove security freeze using my PIN number on the Sagestream website.
11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10040	Web	Servicemember
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. Please remove these account and send me an updated copy of my credit report for inspection.
10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OK 731XX	Web
I submitted a request to freeze my consumer file with Sagestream twice and both times i received a letter back stating the information submitted was not verifiable. My state issued drivers license and federal government cac card are on the list of proper identification to send which is what i did.
10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43224	Web
XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07107	Web
I recently notified XXXX that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that XXXX is incorrect. How XXXX claimed the information was verified and I would like to know what method was used to verify
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CA 92009	Web
SAGESTREAM makes it extremely difficult to get a copy of your credit report. They want much more personal information and photos than the normal credit reporting agencies. They should be required to follow the steps that XXXX, XXXX, and XXXX follow to have online access to your credit report.
03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 921XX	Web	Servicemember
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 527XX	Web
I recently applied for a store credit card. XXXX sent me a letter in the mail saying i was denied because of a low credit score. They said my score is 250 points lower than it really is. I also never requested them to send me my score, it was just printed on the letter I received in the mail.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74012	Web
in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	WA XXXXX	Web
unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a US resident and I do not possess any US-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33314	Web
I've been trying to get a copy of my XXXX XXXX / Sage Stream report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40517	Web	Servicemember
XXXX and its affiliates Sagestream XXXX XXXX Have been holding and storing my personal and private information without my written consent. They have been communicating with XXXX XXXXXXXX XXXX In Regards to my personal information without my consent this is against the law Under USC 15
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I received my Sagestream credit report and attempting to dispute information that was not correct but the company did not respond. Sagestream wrote that they use date received from XXXX so I will be adding them to this complaint. I am attaching the disputed information to this complaint.
07/06/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	NJ 07002	Web
On XX/XX/2020, I applied for a credit card in XXXX 's XXXX. The sales rep incorrectly inputed my social security number, which caused me be declined for the credit card due to myself being " deceased '' ; therefore creating an unnecessary and incorrect hard inquiry onto my credit report.
01/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OR 97220	Web
Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. Thank you!
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 432XX	Web
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06606	Web
inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX and the inquiry on XX/XX/2020 is mine and it was verify. the XXXX and XXXX inquiry is not mine. please remove
03/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43204	Web
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.
07/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 79423	Web
Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77057	Web	Older American
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. The credit card ending XXXX. I did not authorize anything. I don't have the card. I do not know if scammers are using the card. I have no idea what {$5200.00} is for.
11/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63135	Web
Sagestream and XXXX has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.
03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75061	Web
Was applying for a car loan. XXXX XXXX was one of the companies applied for. They denied me due to a credit report they had with Sage Stream. Never heard of them or used their services. Decision was mailed by XX/XX/2020. Score was extremely low. Feel that impacted XXXX 's decision.
01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	LA 713XX	Web
XXXX XXXX XXXX? I have never heard of them and they are reporting a credit score that is wrong. I just received a letter with them being a credit agency like XXXX the address shown for sagestream is XXXX XXXX XXXX XXXX XXXX ca. XXXX. telephone number XXXX XXXX XXXX. who is this?
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 471XX	Web	Older American
XX/XX/2019 I was denied credit by XXXX XXXX due to SageStream , LLC credit reporting. However, I did purchase the vehicle finance by another Bank. SageStream , LLC is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.
02/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43207	Web
I am writing to request to put a security freeze on my credit report. I'm also opting out of XXXX, Sage stream, XXXX reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ 085XX	Web
Sent a letter dated XX/XX/2021 directing SageStream to mail my yearly consumer disclosure. Sagestream choose not to comply and did not send me a copy of my consumer disclosure. Sagestream has a history of not complying with requests for disclosure. See previous complaint : XXXX
07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	MO 63376	Web
I have been calling this company for weeks have left messages trying to get my consumer report frozen. They do not call back & continue to report inaccurate information due to identity theft. All other consumer agencies have responded. I am requesting my consumer reports frozen.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33617	Web	Servicemember
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
11/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70802	Web
Received denial letter on XX/XX/2017. Per the denial letter my credit report and score were pulled by SageStream , LLC. This is a company that Ive never heard of/or has not made services available online to where I can see if the information being reported is true and correct.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
I have contacted XXXX numerous times in reference to the XXXX XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft
04/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43211	Web
They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.
11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63135	Web
Sagestream LLC reported my credit score to XXXX XXXX at XXXX. My Credit Score at XXXX is XXXX. I feel Sagestream is giving me such a low score because I am XXXX XXXX. I want an investigation into my complaint about this company. I was try to get financing to buy a car.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	MO 658XX	Web
Sage Stream is a company that reports information to banks based when they trying to open a new account. They are reporting negative information on me that should not exist. I do not have any closed bank accounts and they will not respond to my requests for information.
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 119XX	Web
I recently sent a request to have fraudulent items removed that are reporting only on XXXX XXXX response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30507	Web	Servicemember
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.
06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MN 55123	Web
Sagestream llc came up on my credit report back in XX/XX/XXXX so on XX/XX/2019 faxed my info to them i called them 3 times no respond all I want is my consumer report I'm at a dead end just trying to figure out whats on there report I need some help.Thank you XXXX XXXX
04/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60617	Web
XXXX was contacted with written request and proof of identity in regards to consumer report and freeze on the XXXX th and again on the XX/XX/XXXX also have left several messages via phone and faxed request as well no communication or evidence of issue has been resolved
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33133	Web
My credit was pulled by a 3rd party and they stated a bankruptcy appeared on my credit report. I would like that bankruptcy removed off my credit due to I obtain a letter from the bankruptcy courts stating they never report information of any source to credit bureaus.
07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07107	Web
I recently notified XXXX that I am a victim of identity theft. XXXX responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.
03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 27105	Web
Sent a letter out on XXXX asking for a security freeze to be placed on my consumer Disclosure report and didnt receive any correspondence. I also sent a second letter out on XXXX asking again to place a security freeze on my report again and still no correspondence..
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CA 92656	Web
I have been unable to obtain my credit report from XXXX SageStream, a new credit reporting agency owned by XXXX. Their website does not offer an option on their website to download my credit report. I believe they are required to have this capability under the FCRA.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19152	Web
Consumer report obtained from SageStream LLC showed incorrect information due to identity theft. I contacted SageStream on XX/XX/21 to dispute the information. I was told it takes 30 days to investigate. It is 42 days now and I have not heard anything from them yet.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
I have contacted this company for many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 11434	Web
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Sagestream my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 81004	Web
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 752XX	Web
I have mailed several correspondence to Sage Stream to place a credit freeze on my consumer report. The fax numbers online are not valid for consumers as advertised. I have not received any correspondence that the freeze has been placed. Per certified mail # XXXX
05/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30135	Web
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 24541	Web
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78412	Web	Servicemember
I have tried to freeze my Sagestream account with no success. I have followed all of their online guidelines and called, left 2 messages, and sent 2 letters certified mail requesting a security freeze but have not gotten a response back. It has been 4 months,
12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 704XX	Web
I attempted to freeze with Stage Stream both by mailing a letter with my drivers licence & SS card and Utility bill and the freeze with rejected by Stage Stream. I also completed there on line form and attached the same documents and the freeze was rejected.
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web	Servicemember
My credit and personal information is in " SageStream , LLC '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NY 11365	Web
Ive sent multiple Requests by fax to this stupid company but they wont Send me my report this is ridiculous they must be shut down and investigated their very rude never answer the phones victim of if theft and they dont care to provide me my report by mail
07/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IA 528XX	Web	Servicemember
Sagestream LLC, who is this and why do they rate my credit score so low? First I have never heard of them and honestly I think they should have to be at least close to the other agencies scores to even be considered to be a accurate credit reporting agency.
11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30046	Web	Servicemember
I want to report that a fraudulent account is in my credit report, I don't record this account as mine, in the pass I had been victim of data breaches in the web, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.
10/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60402	Web
I called sagestream llc NUMEROUS times as well as faxed, and certify mailed them my personal information regarding disputing negative information on my report that does NOT belong to me as well as getting a security freeze and I have not gotten a response.
04/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92324	Web
On XX/XX/20 I applied for credit with XXXX XXXX and the reporting agency reported my credit score at XXXX this score is completely wrong. My credit score in XXXX, there may have been a typo on the application or an error with in the company XXXX XXXX XXXX
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 325XX	Web
XXXX XXXX is a Bogus reporting agency. It sent me a letter saying my score was in the 400s!! My score has NEVER been in the 400s. The reporting agency has many claims against them for the same reason. Its inaccurate reporting and they should be shut down!
02/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30122	Web
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34714	Web	Servicemember
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
03/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85306	Web
Got a letter from XXXX XXXX on XX/XX/19 saying I was denied a auto loan because of a illegal credit reporting company called XXXX XXXX. I know my credit score and this company is playing into the hands of the banks to give false data on consumers.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11746	Web
I notified XXXX that I am a victim of identity, and XXXX responded that they verified a fraudulent account, which I not sure how that's done. Please see attached FTC for fraudulent accounts that I had nothing to do with and does not belong to me
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OK 74133	Web
I was denied credit because I have a security freeze on my account with SageStream , LLC. I did not give this company permission to place a security freeze on my file. They have no documents proving that I have ever had contact with the company.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70056	Web	Servicemember
I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web	Servicemember
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
11/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11701	Web	Servicemember
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	TX 75134	Web
I sent them my Id, social, & bank statements Not one person has been able to help me get my PIN number to unfreeze my account with them. Customer service cant identify me with everything I sent Still no PIN number to unfreeze my account
02/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07920	Web
My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is XXXX XXXX.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37076	Web
I never provided my consent to report any of my nonpublic private consumer information. The authorized use of my information is identity theft. I hereby Opt-Out of any consent obtain to report my nonpublic private consumer information.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21804	Web
There are credit inquiries that I do not recognize. Also I feel that I should not have to send my identification to get my information that they have no rights to. My scores on the XXXX are way lower than on the 3 major credit reports.
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30542	Web	Servicemember
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.
08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 76017	Web
I was rejected from a car loan by SageStream. XXXX, XXXX were all high scores except. Sagstream. I ca n't understand why Sagestream is still allowed to moniter our credit, there are many other complaints about them also ' XXXX XXXX
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KY 410XX	Web
I have called Sagestream 4 times for the past 3 weeks to put a security freeze on my consumer report with them. I always get a recording to leave a message and they will call back. It's been weeks now and they never return my call
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 305XX	Web	Servicemember
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AZ 85016	Web
I AM DEMANDING THAT SAGESTREAM AND XXXX XXXX AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 191XX	Web
I've followed the instructions they set forth, I've called multiple times, I've summited the online document and haven't gotten any response. This company without my knowledge and permission is reporting inaccurate information!
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 600XX	Web
I wrote a very detailed letter to request all inaccurate information listed on my credit reports to be updated and permanently removed. Upon deletion, I requested a letter after the information has been updated and/or removed.
08/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TN 381XX	Web
I SENT A REQUEST TO XXXX XXXX TO STOP AND FREEZE MY ACCOUNT AND THEY SAID NO I SENT IN MY ID AND SOCIAL SECURITY CARD BUT THERE SAYING IT WAS NOT ENOUGH INFORMATION THEY NEED MORE STUFF SO IM SENDING MORE PAPERWORK AS OF TODAY
05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	UT 840XX	Web
I have requested a security freeze more than 5 times online, through the mail and I tried calling but was not successful. I have provided multiple forms of legal identification and Sage Stream still refused to freeze my file
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 50266	Web
I applied for an auto loan. My info was sent to a lender who pulled my credit. They then pulled credit from a company called SageStream and my score was 200 points lower. I see many complaints online regarding this company.
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA 940XX	Web	Servicemember
Following up in regards to : PRIMARY CONSUMER PRODUCT AND ISSUE XXXX I did not have the opportunity for a rebuttle. I was hoping that case number can be re-opened so I can submit the documents I sent them over 2 months.
03/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30039	Web	Servicemember
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77433	Web
I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 43212	Web
I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.
12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 96007	Web
XXXX provided false credit information to XXXX, XXXX during an application. They provided mistaken credit score and other fictitious information that led the company to deny me credit. A clear violation of the FCRA.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IN 46032	Web
Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	CA 92648	Web
I RECVD THIS DOCUMENT IN THE MAIL. I DID NOT SIGN UP FOR THESE SREVICES I HAVE CAKLLED AND WENT ON THERE WEBSITE TO TELL THEM I DID NOT SIGN UP FOR THESE SERVICES. PLEASE CONTACT THEM AND GET ME OFF THESE SERVICES.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	SC 29681	Web
I've tried confirming to see if Sage Stream has Opt me out and put a Freeze on my account but no response back within last 60 plus days. Since no mail or email, I decided to put freeze in and opt out again last week
05/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21742	Web	Older American
Recently applied for major credit card and was refused by Sagestream LLC even though I have 700+ credit score. I deal with XXXX XXXX and XXXX and have never been late on paying. Other credit reports are in standing.
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	SC 29926	Web	Older American, Servicemember
I requested a copy of my current free credit report from Sage Stream, LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX in a letter to them dated and mailed on XX/XX/2019. No response to my request as of today, XX/XX/2019.
09/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 94122	Web
I was denied a bank account with XXXX Bank based on this company SageStream , LLC that I have never even heard off and they are unwilling to give me a report with what information is being provided to the lender.
04/08/2016	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	IL 60804	Web
It is a credit reporting agency I never heared of ( Sage ) XXXX.XXXX Sage reporting to companies, but when calling them up to get a copy of the report, no one answers the phone, instead I got a recording message.
11/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33028	Web
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.
10/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 012XX	Web
The company sage stream unlawfully obtained personal sensitive information with out my consent both written or expressed and has major discrepancies in their reporting compared to the three major credit bureaus
12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 96007	Web
XXXX has once again furnished ficticious and derogatory information to lender " XXXX ''. They provided a falsely low credit score and other false information as well, to assure a denial by XXXX, which they did.
03/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 92126	Web
SageStream - never heard of them until today. Claims my credit is too low to get a car. When tried to get a copy of my report, it says I have to submit a lot of personal information by mail. Feels very scammy.
07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 379XX	Web
My FICO score is over 800 of XXXX yet my XXXX XXXX XXXX score is only XXXX of XXXX. Consquently, XXXX XXXX XXXX has imposed extra fees and restrictions on my account because of your slanderous scoring system.
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ 085XX	Web
Sent a letter dated XX/XX/2018 directing XXXX to mail my yearly consumer disclosure and to freeze my consumer file. XXXX choose not to follow my wishes and did not send me a copy of my consumer disclosure.
01/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 631XX	Web	Servicemember
I have sent two Notices to SageStream. For the purposes of removing unauthorized and unknown inquiries from Credit Reports. At this time, they have failed to respond, let alone remove all unlawful inquires.
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43211	Web
I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX from XXXX XXXX. Please forward me a copy of my Sage Stream and XXXX XXXX reports as well.
03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18042	Web	Servicemember
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
03/02/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32824	Web
The reason I am complaining against sage stream is because I have on several occasions requested for my file to be frozen and they have not frozen my file or responded to my request. I need my file frozen.
09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06360	Web	Servicemember
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	AL 354XX	Web
I sent via mail and by fax on XXXX XXXX to SageStream LLC that my freeze was to applied. I've yet to receive confirmation or any response for that matter that my request has been done. Thanks in advance
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 75115	Web
I have wrote to Sage Stream LLC to put a security freeze on my Sage Steam credit report. and for Sage Stream LLC to send a confirmation letter when it is file. I am yet to receive a confirmation letter
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43213	Web
There is a security freeze on my SageStream credit report. I did not request it. It was added fraudulently. I'd like it removed. I'd like to know how someone else was even able to have it put on there.
03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	LA 70363	Web
I have tried several times to reach this company to request a copy of my credit report, opt-out of credit offers place a security freeze on my consumer file. I have reached out by phone, fax and email
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77070	Web	Servicemember
Inaccurate information on my credit file. This has cause XXXX XXXX issues..Reporting wrong information on credit history report is wrong. Seeking compensation for wrong information on my credit report
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90047	Web
Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.
12/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.
12/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 270XX	Web
XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down
09/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA XXXXX	Web	Servicemember
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. Thank you in advance for your help.
04/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NY 139XX	Web
I have never received a copy of my fcra report from XXXX! I've been trying since XXXX! Now it's XXXX! I have left telephone messages on XXXX XXXX telephone messaging system! A lot of times!
01/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 10040	Web	Servicemember
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.
10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23503	Web
XXXX XXXX denied an auto loan due to information from Sagestream. Says score is XXXX, when its actually over 830. received a letter in mail stating denial. who is XXXX? why do they supply scores?
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30046	Web
I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. Please send me an updated copy of my report.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 34786	Web
SAGE STREAM ' REFUSES TO CORPORATE WITH CONSUMER MAILED A CERTIFIED DOCUMENTS WITH US POAST OFFICE WAS RECEIVED AND SIGN BY SAGE STREAM OFFICE PERSONAL, COMPANY NEVER RESPONSE BACK TO CONSUMER.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33844	Web
Ive tried to contact Sagestream about my disputes to no avail. They never pick up the phone and I call at different times and leave messages over and over. They say will call within 24 hours.
02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30096	Web	Servicemember
I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92646	Web
I have communicated to them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.
08/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web	Servicemember
XXXX reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.
04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 43054	Web
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, XXXX XXXX and Sage Stream. I am in the process of buying a home and I need access to my files asap.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39501	Web
I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.
10/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15010	Web
This is in reference to a complaint I previously filed with Sage Stream LLC. It has nearly been a month and I have not received the copy of the credit report promised to me in the mail.
02/24/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I have requested for the method of verification and proof on the accounts that were reflecting on my credit report that were incorrect and erroneous but no proof and response provided.
04/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 07748	Web
Sagestream LLC They are asking for info about me that I am not comfortable giving them in order to receive a copy of my credit report. XXXX, XXXX, and XXXX don't make it so difficult.
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TN 38119	Web	Servicemember
I've reached out to Sage Stream twice to place a freeze on my account. The second time sent additional information to verify who I am, like XXXX XXXX requested and still no response
11/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48507	Web
I sent a letter to sagestream asking them to freeze my account and they never respond. I sent out a letter and I also filled out app online to freeze credit but still no response
07/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30340	Web	Servicemember
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.
11/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30044	Web	Servicemember
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.
09/13/2016	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	CA 95037	Web
Made XXXX requests to obtain my consumer report from SageStream. SageStream argues that the forms of identification I have provided are insufficient to get my consumer report.
04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92532	Web
No permission was given to this consumer reporting agency to report any of my consumer information which is a violation of my consumer rights, persuant to 15 USC 1681a ( 4 ).
03/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 75068	Web
These jokers ignored multiple requests from us to get a copy of whatever it was that they sent to XXXX XXXX which caused XXXX XXXX to deny us a credit extension request.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18042	Web	Servicemember
I have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45365	Web
There is an enormous disparity between my actualbcredit score & the one XXXX , XXXX has provided. This has caused the rate on my car loan to be higher than anticipated.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42104	Web
When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC XXXXX	Web
I contacted the company because they have addresses that I have lived at listed in my report. I have requested to have these addresses removed but they are still there.
01/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10463	Web
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 10466	Web
It seems that XXXX has not received my request on multiple occasions to freeze my consumer report so this is a last ditch effort to submit the request through the cfpb.
03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19122	Web
XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
09/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11365	Web
This company is hiding from me They refuse to send me my report even after mailing them a request they have my police report and refuse to remove fruskdent information
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02895	Web
REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07050	Web
On XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30033	Web	Servicemember
I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
I applied for a car loan and was denied due to a score of XXXX with XXXX XXXX but XXXX with XXXX ... .also they reported serious delinquency when I don't have any.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75204	Web
i was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.
03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30126	Web
Website was not allowing me to freeze my credit report. Demanding security freeze on accounts held in my name. Violation of 15 USC 1602 ( p ) and 15 USC 1681i.
09/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07302	Web
There is a 160-point discrepancy between the credit score that was generated by this credit reporting agency compared to every other major agency in the market.
09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	AR 72761	Web
CEASE FURNISHING OR RE-SELLING XXXX XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.
10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web	Servicemember
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, Please remove this account permanently from my file.
11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WV 25526	Web
I sent three requests to Sage Stream to freeze my credit file. I sent all the required documentation and they stated that they could not confirm my identity.
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 153XX	Web
SageStream llc has my credit as XXXX when I just had my credit check through my bank for a loan and all 3 are XXXX. This sage stream is also sharing my info
02/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 43227	Web
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30519	Web	Servicemember
My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.
03/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN XXXXX	Web	Servicemember
On XX/XX/2020 I reached out to sage stream to view my credit report and it had tons of errors on it. I disputed several items but yet there still remain.
06/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 44128	Web
I have asked this company to place a freeze verbally and in fax thats succeeded this company had not mailed or sent credit report or security freeze info
04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89081	Web
I have two hard inquiries for credit cards from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. I have had my credit cards with XXXX since XXXX.
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39047	Web
I received a letter talking about a security freeze. I am not familiar with this credit bureau and did not authorize them to look into my accounts.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT XXXXX	Web
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. XXXX XXXX XXXX. IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19038	Web
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 774XX	Web
I submitted a request for a freeze numerous times and SageStream did not respond nor did anyone answer the phone. Their office is a ghost town.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 756XX	Web
I received a credit report from a company that is not allowed to require personal protected information, SageStream LLC reported a false score.
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 616XX	Web
SAGESTREAM LLC CONSUMER OFFICE WONT REMOVE FRAUDLENT ADDRESSES OR FRAUDLENT NAMES OFF MY CREDIT REPORT. I HAVE ALSO SENT THEM A POLICE REPORT
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 611XX	Web
VIOLATIONS TO MY FCRA ALSO VIOLATIONS TO MY XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web
There are numerous discrepancies listed on my credit report that I have no knowledge of. This was a result of identity theft of malpractice.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11550	Web
this is my second request, in response to your request I have AGAIN attached my identification and social security card copies n FTC report
05/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
My name is XXXX XXXX, born XXXX and I am a victim of identity theft. There are duplicate credit cards in my name that I did not authorize
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07508	Web	Servicemember
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.
08/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76067	Web	Servicemember
I have never heard of sagestream credit reporting agency. It is showing my credit being much lower than it is. They are hurting my credit
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 456XX	Web
XXXX XXXX and/or Sagestream LLC reported information to credit bureaus when there is an active security freeze on my account with them.
02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CO 80911	Web	Servicemember
XXXX XXXX, I was told that this reporting agency is fraudulent and reports to creditors a lower score and I needed to file a complaint.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	SC 29680	Web
This should serve as a written notice to Sagestream that I XXXX XXXX wishes to put a security freeze on any information on my account.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TN 38111	Web
On XX/XX/2021, I mailed a letter requesting a copy of my consumer report. It has been a month and I still haven't received the report.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 467XX	Web
XXXX XXXX reporting things about my credit that is inaccurate and things they should not be reporting! why/how are they in business?
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11365	Web
This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60612	Web
I find so many inaccurate information on my credit report which is in violation of FCRA wherein all should be correct and accurate.
12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TN 37013	Web
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84604	Web
XXXX XXXX IS REPORTING FRAUDULENT BANK ACCOUNTS AND FRAUDULENT INQUIRIES ON MY XXXX CONSUMER REPORT, DAMAGING MY NAME AND CREDIT.
10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08401	Web	Servicemember
I sent sagestream a letter on XX/XX/2020. I have received no response. I believe sagestream is reporting inaccurate information.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11967	Web
I have contacted XXXX a few times about the fraudulent XXXX Account. This is NOT MY ACCOUNT, and I had nothing to do with it.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	GA 30909	Web
I want let from XXXX XXXX and previous company due to information that is public that I wish not to release to credit bureaus
11/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33177	Web
There are numerous inquiries listed on my report that was not initiated by me along with a bankruptcy that is not unverified.
02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06606	Web
Sage stream and XXXX XXXX hold inquires for XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX on my credit report and record
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 11566	Web
I have been trying to get my file with sage stream frozen and have not been able to get them to respond. My social is XXXX
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11570	Web
As I notified XXXX before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
there are 4 account on my credit report that are not mine and should not be there, I believe I am a victim of identity theft
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30062	Web
several times ive tried to contact sagestream to find out about my security freeze with no response or letter in the past 30
04/21/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32256	Web
I was denied by XXXX XXXX XXXX reporting agency?? Who is that and why is my credit information being denied by this company?
11/04/2016	Yes	Credit reporting	Incorrect information on credit report Public record	GA 30097	Web
Sagestream LLC is reporting negative credit information, I want info removed and them removed from reporting, thank you XXXX
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28227	Web
I have submitted my identification and social security card for your review along with my FTC report, due to identity theft
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ XXXXX	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85041	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.
04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH XXXXX	Web
I am currently requesting that XXXX surpress and freeze my information from being shared with any and all other parties.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MO 63135	Web
Placed a credit freeze over 6 months and company is still sharing my information. Also reporting inaccurate information.
07/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10035	Web
I am not a credit repair agency, I am a person that is a victim of identity theft, please attached supporting documents
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MN 55343	Web	Servicemember
I want XXXX XXXX, XXXX XXXX XXXX and Sage Stream to mail me a complete copy of my free annual credit/consumer report.
01/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30044	Web	Servicemember
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30080	Web
i am a victim of identity theft i have some unauthorized fraudulent inquiries listed on my report.see attachment
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30122	Web
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11427	Web
the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11779	Web
I am a victim of identity theft. There are fraudulent items on my report that I did not open or authorize.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11550	Web
2nd request. Errors on my report not rectified, please see attach ID and ss card per your request. AGAIN
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63129	Web
SageStream LLC Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX They report I have died.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10016	Web
as previously notified I am a victim of identity theft, I am not a credit repair company I am a person
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10039	Web
there are accounts showing on my credit report that I did not open, I am a victim of identity theft
04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MI 48083	Web
as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 95126	Web
XXXX XXXX will not forward me a copy of my credit file after I submitted the required documents.
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53209	Web	Servicemember
Sagestream LLC refuses to release a copy of my report so I can address the inaccuracies within.
03/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19139	Web
I have no clue who SageStream is and their inaccurately reporting my credit score to companies.
10/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30341	Web
My FICO score about 790, but they reported only XXXX,. XXXX use that reason to deny my service.
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 432XX	Web
I would like request a full XXXX XXXX, Sage Stream, XXXX credit reports. I have attached my ID
07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11236	Web
I am a victim of identity theft, there are fraudulent accounts showing on my credit reports
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MN 55343	Web	Servicemember
I want Sage Stream to mail me a full and complete copy of my Sage Stream Consumer Report.
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11967	Web
fraudulent unauthorized inquires that I see on my credit report which I did not authorize
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06606	Web
XXXX/sagestream refuse to remove XXXX and XXXX XXXX XXXX inquiry from my credit remove
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	ID 836XX	Web
XXXX will not show me my credit report. Sagestream will not show me my credit report.
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11435	Web
the following accounts are fraudulent and are not mine, I am a victim of identity theft
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35244	Web
XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 279XX	Web
Fraudulent items reporting on my XXXX person credit report, due to identity theft
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35244	Web
XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ 085XX	Web
Letter sent XX/XX/19 asking for copy of consumer report was ignored by company.
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30052	Web
Please remove my extended fraud alert, consumer statement and security freeze.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21702	Web
I am a victim of identity theft, I also have never ever file for a bankruptcy
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35244	Web
XXXX XXXX XXXX on XX/XX/2019 gained unauthorized access to my credit report.
03/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75074	Web
I discovered a credit bureau report from XXXX XXXX that I did not authorize.
06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 93313	Web
They reported in my credit report that Im deceased which Im not XX/XX/2020
09/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30238	Web
this company is reporting inaccuarate and unverified information about me
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07017	Web
I have notified the credit bureaus that I am a victim of identity theft.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11743	Web
I am a victim of identity theft. I have never had a mortgage in my life.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06606	Web
I am not sure of where these inquiry came from, XXXX and XXXX inquiry
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	TX 75134	Web
I enroll in Sagstream and have yet to receive a PIN number to unenroll
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA 02125	Web
On XX/XX/XXXX I requested a security freeze placed on my credit file.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11967	Web
i am a not a credit repair company, I am a victim of identity theft
02/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06606	Web
XXXX and stage stream keep reporting inaccurate item on my report
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35244	Web
XXXX gained unauthorized access to my credit report on XX/XX/2019.
10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30518	Web	Servicemember
Please remove my fraud alert and consumer statement. Thank you.
04/20/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	NJ 08901	Web
Bill paid by insurance please remove this from my credit report.
01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 368XX	Web	Older American
incorrect information reported XXXX XXXX 2017 by XXXX and XXXX
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AL 35244	Web
Requested my credit report in writing three times to no avail.
08/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 765XX	Web	Servicemember
Sagestream llc.com. they run XXXX XXXX for your credit score.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30044	Web	Servicemember
please remove my extended fraud alert and consumer statement.
11/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30082	Web
THIS IS URGENT!!!! FREEZE MY CONSUMER REPORTS IMMEDIATELY!!!!
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 08755	Web	Servicemember
Please freeze my credit report and send me a pin in the mail
01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30032	Web
request to have inaccurate reports removed off account
08/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11212	Web
As previously notified I am a victim of identity theft
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37064	Web	Servicemember
PLEASE UPDATE CREDIT REPORT WITH ACCURATE INFORMATION
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11967	Web
I am a victim if mistaken identity and identity theft
09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34608	Web
As notified before, i am a victim of identity theft
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MS 38654	Web
XXXX XXXX is saying they dont have a report on me.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web
see attachements i am a victim of identity theft
01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AL 36116	Web
I requested a security freeze on XX/XX/2020.
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 206XX	Web
Was not made aware of the right to Opt Out
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76244	Web
I XXXX XXXX am a victim of identity theft
11/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
I XXXX XXXX am a victim of identity theft
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 115XX	Web
I would like to have my Sagestream frozen
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 20735	Web
I was not made aware that I can opt out.
05/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Web
Inaccurate information on credit report.
11/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 104XX	Web
I have been a victim of identity theft.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11411	Web
I AM A VICTIM OF IDENTITYT THEFT
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
I am a victim of identity theft
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11553	Web
I am a victim of identity theft
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11435	Web
I am a victim of identity theft
09/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Web
I am a victim of identity theft
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11779	Web
I am a victim of identity theft
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 279XX	Web
I am a victim of identity theft
07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11510	Web
I am a victim of identity theft
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 279XX	Web
I am a victim of identity theft
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 279XX	Web
I am a victim of identity theft
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11779	Web
I am a victim of identity theft
01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
I am a victim of identity theft
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
I am a victim of identity theft
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
I am a victim of identity theft
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11717	Web
I am a victim of identity theft
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
I am a victim of identity theft
10/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11590	Web
I am a victim of identity theft
10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07036	Web
I am a victim of identity theft
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07107	Web
I am a victim of identity theft
09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07107	Web
I am a victim of Identity theft
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
I am a victim of identity theft
09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11510	Web
I am a victim of identity theft
08/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 119XX	Web
I am a victim of identity theft
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11967	Web
I am a victim of identity theft
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34608	Web
I am a victim of identity theft
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07621	Web
I am a victim of identity theft
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28215	Web
I am a victim of identity theft
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 279XX	Web
I am a victim of identity theft
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
I am a victim of identity theft
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11423	Web
I am a victim of identity theft
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11411	Web
I am a victim of identity theft
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11374	Web
I am a victim of identity theft
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 279XX	Web
I am a victim of identity theft
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11967	Web
I am a victim of identity theft
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
I am a victim of identity theft
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
I am a victim of identity theft
09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08861	Web
I'm a victim of identity theft
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11510	Web
I'M A VICTIM OF IDENTITY THEFT
08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 241XX	Web
Incorrect credit score rating
01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 44106	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46530	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72113	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web	Servicemember

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43220	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 070XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95687	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12401	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76542	Web	Servicemember

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31419	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 871XX	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29550	Web

01/19/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92543	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33317	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90717	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23320	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71108	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71108	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44212	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92688	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94803	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55103	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30265	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85364	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32608	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21009	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90220	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21214	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web	Servicemember

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20747	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11722	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85018	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33848	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28086	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76016	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34744	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64134	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36856	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85323	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19129	Web

01/05/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29073	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90301	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20721	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30002	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95765	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55125	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21217	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20748	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76244	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33069	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01109	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73120	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43207	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13849	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33437	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30273	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07305	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53121	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33578	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80204	Web

12/28/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20634	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75670	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33193	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71854	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 20019	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30019	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93535	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48240	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 31061	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84040	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23434	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21230	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20707	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92627	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08628	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31061	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33884	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32505	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30311	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30310	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27610	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10032	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94607	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21237	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32757	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10452	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92508	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37217	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37066	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91941	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77539	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85013	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95621	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38963	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71675	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75126	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74106	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web	Servicemember

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98371	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44212	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19129	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13224	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77068	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01013	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75094	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39150	Web

12/15/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11554	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44601	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84601	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34683	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79410	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 65802	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70360	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91706	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78212	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19147	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13440	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80204	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08110	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76134	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77581	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92562	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14580	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21222	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78737	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28560	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85296	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11208	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31416	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78061	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40299	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75043	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93705	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94134	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 34982	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33065	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76135	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11226	Web

11/20/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84040	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19104	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02645	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19129	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92557	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11577	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19126	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19126	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92307	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20024	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38619	Web	Servicemember

11/08/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30116	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60419	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76002	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11701	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92532	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	RI 02860	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27834	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30013	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web	Servicemember

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 75202	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web	Servicemember

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76002	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75407	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77547	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63122	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78723	Phone

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35034	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web

10/11/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30344	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28681	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94557	Web

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77095	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19144	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 93710	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76227	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 93710	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08060	Web

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46802	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20707	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90012	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92887	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92625	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60402	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92629	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34120	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20712	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27587	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75149	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01841	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48507	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60565	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18042	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27703	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23233	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48237	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27985	Web

09/10/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33335	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72113	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web	Servicemember

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75126	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web	Servicemember

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32404	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28590	Web

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28504	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28134	Web	Servicemember

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web	Servicemember

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92394	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30096	Web

08/26/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 47905	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42701	Web	Servicemember

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23803	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 50401	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19102	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web	Servicemember

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19126	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55303	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23237	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85712	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MN 55303	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23602	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23224	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19050	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60107	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60462	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75146	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 48126	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27614	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 76051	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92394	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28216	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 46017	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46017	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23234	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MI 48126	Web

08/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27888	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75149	Web

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75215	Web

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Servicemember

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60087	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60087	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29483	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76116	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30180	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31216	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76227	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22407	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91367	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22407	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21133	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19720	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19720	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 49512	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48089	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63131	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85208	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32707	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75149	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38703	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85396	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08332	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 16803	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01520	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34786	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AZ 85022	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37013	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75154	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 94603	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27597	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28012	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	TX 77028	Phone

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28012	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33976	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75126	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33060	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35758	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30263	Web

07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33971	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08048	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48219	Web	Servicemember

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75043	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76120	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60805	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36605	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07514	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60609	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94603	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19050	Web	Servicemember

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95008	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76155	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89002	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60636	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91606	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75024	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30127	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23235	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85304	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77024	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 48439	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web	Servicemember

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11590	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19102	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75208	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30909	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75181	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NV 89115	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35228	Web

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20747	Web

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75089	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IN 46234	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web	Servicemember

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 76063	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75006	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90047	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 11204	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46268	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77429	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70791	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76134	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	VA 223XX	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79423	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75231	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 78252	Web	Servicemember

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75232	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76063	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27834	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10462	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29732	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71854	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39739	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76118	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	PA 19146	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20743	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75039	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60643	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30354	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60073	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89701	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43147	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60621	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30248	Web	Servicemember

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90303	Web

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61364	Phone

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48224	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60622	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94928	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91606	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 96740	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33313	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48187	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 08109	Web

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60621	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77573	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02907	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21215	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34219	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46268	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 64507	Web

03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19046	Web

03/22/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO 65738	Phone

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02780	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31329	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15108	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 52772	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 52772	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web	Servicemember

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19406	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19141	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19111	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45211	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19144	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92618	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08081	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77498	Phone	Older American, Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MO 64138	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	UT 84015	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43123	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46268	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19132	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web	Servicemember

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19131	Web	Servicemember

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37217	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 77591	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 77591	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38106	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32222	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77068	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46268	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48439	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33133	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29171	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90045	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19134	Web	Servicemember

03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web	Servicemember

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web	Servicemember

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32233	Web

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web	Servicemember

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web	Servicemember

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23435	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 93101	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90025	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web

03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	SC 29505	Web

03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43201	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web	Servicemember

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12533	Web	Servicemember

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19146	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30035	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	DE 19702	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77707	Web

02/26/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20012	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19104	Web	Servicemember

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19116	Web	Servicemember

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19104	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19144	Web	Servicemember

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19809	Web	Servicemember

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19125	Web

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11706	Web	Servicemember

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web	Servicemember

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63106	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20619	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web	Servicemember

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19143	Web	Servicemember

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web	Servicemember

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89149	Web	Servicemember

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19144	Web	Servicemember

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48035	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30341	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23321	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20708	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12549	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33812	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20613	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web	Servicemember

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21206	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web	Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web	Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19129	Web	Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web	Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web	Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19133	Web	Servicemember

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44108	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29203	Web	Servicemember

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web	Servicemember

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web	Servicemember

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60609	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	PA 19101	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20784	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web	Servicemember

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21230	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60621	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20740	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30345	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32097	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20748	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20743	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20785	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76102	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11577	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78660	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46268	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89149	Web	Servicemember

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO 65738	Postal mail

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91203	Web

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web	Servicemember

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19013	Web	Servicemember

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web	Servicemember

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19114	Web	Servicemember

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38654	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19148	Web	Servicemember

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08260	Web	Servicemember

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web	Servicemember

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Phone

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31031	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33317	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19027	Web	Servicemember

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43613	Web

02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78240	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19132	Web	Servicemember

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web	Servicemember

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33181	Web	Servicemember

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web	Servicemember

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91604	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33068	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ID 83814	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30238	Web	Servicemember

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37122	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37122	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33594	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37122	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75189	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30238	Web	Servicemember

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web	Servicemember

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32811	Web	Servicemember

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55104	Web	Servicemember

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30101	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35022	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Phone

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37211	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30058	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30058	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30106	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06484	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37214	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37122	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19121	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28306	Web

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web

01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46268	Web

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43147	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29118	Web

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33140	Phone

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NM 87109	Web

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10530	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 50131	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42104	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30021	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33409	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89109	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29171	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60185	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60623	Web

11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 11798	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77479	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33603	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36870	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36870	Web

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78217	Web

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60458	Web

11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30087	Web

11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32835	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23322	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23664	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98404	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76244	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78238	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78754	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 20009	Web

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75070	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30087	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30041	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89121	Web

11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46037	Web

10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 08638	Web

10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90805	Web

10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48204	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30041	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30041	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30041	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AR 71901	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11550	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30339	Web

10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30132	Web

10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30009	Web

10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IN 46268	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	DC 20009	Phone

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90004	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TN 37660	Web

10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web	Servicemember

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95827	Web

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46037	Web

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31069	Web

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28081	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46037	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75287	Web

10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90046	Web

10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20603	Web

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71901	Web

09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06106	Web

09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30907	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33144	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95827	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70458	Web

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33056	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48021	Web	Servicemember

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30339	Phone	Older American

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08012	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07203	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75154	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	LA 70815	Web

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30017	Web

08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08012	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 165XX	Web

08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38103	Web

08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30309	Web

08/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92122	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90004	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36605	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 75287	Web

07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33073	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77007	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02780	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60415	Web

07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MI 48226	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75119	Web

07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20646	Web	Servicemember

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20706	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CO 80951	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80013	Web	Servicemember

06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web

06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76006	Web

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84057	Web

06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77494	Web

05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46516	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95624	Web

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 03784	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32206	Web

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80951	Web

05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77073	Phone

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30021	Web	Servicemember

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29406	Web

05/02/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30096	Postal mail

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60922	Phone

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 37207	Web

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76040	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32505	Web	Servicemember

04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23075	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12009	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NH 03216	Web	Older American

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89148	Web

03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90212	Web

03/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19105	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 07013	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29486	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 94123	Postal mail	Older American

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NC 27529	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 21215	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08003	Web

02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	SC 29730	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91791	Web

02/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31602	Web	Servicemember

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53223	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33132	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29486	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48239	Web

01/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28211	Web

01/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77079	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 70360	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 20147	Web

01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48239	Web

01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 71921	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90046	Web

01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90046	Web

12/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MI 48238	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 76018	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48239	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48239	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48239	Web

12/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48239	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46214	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46268	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46260	Web

12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46250	Web

11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43235	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19144	Web

11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	VA 22625	Web

11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	VA 22625	Web

11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46250	Web

11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46268	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web

11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91942	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 76002	Web

10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79936	Web

10/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90046	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	DE 19707	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	MI 48180	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web

09/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 27530	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48219	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30106	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 62703	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27330	Web

08/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06851	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 35173	Web

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29505	Web

08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MN 55311	Web

08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MN 55311	Web

08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60104	Web

08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70563	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 94580	Phone	Servicemember

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29550	Web

08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29532	Web