SageStream LLC

In her complaint # [redacted] , Ms [redacted] stated that her SageStream credit score was lower than her score from any other credit agency, we are reporting delinquencies which are not true, and she tried to pull her credit but we did not let herShe has also requested a copy of her consumer report from SageStream We address her concern as follows: SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit Reporting Act, U.S.C§§ 1681, et seq(FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant In addition to a credit score, SageStream may provide one or more key factors having the most impact on a scoreRegarding Ms [redacted] ’s concern regarding her SageStream credit score; please note there is no “one” credit score assigned to an individual consumer One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individualRather, there are many credit scores available in the market Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score The range of possible scores can also vary from one score model to another Scores produced by SageStream range from to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from to or from to Regarding the matter of trying to pull her credit, according to our records, we have never received a request from Ms [redacted] for a copy of her consumer report We made attempts to reach Ms [redacted] on 9/28/and 10/5/by calling the phone number she included in the complaint, but we were only able to leave messages asking for her to return our call so that we would be able to assist her A representative was able to speak with Ms [redacted] on 10/6/to explain any concerns regarding her SageStream credit score and to assist her in obtaining her SageStream consumer report from us However, the representative was unable to assist her when Ms [redacted] ended the conversation abruptlyWe encourage Ms [redacted] to obtain a copy of her consumer report so that she can review it and determine if the information contained in her file is accurate and completeDetailed instructions on how to request a consumer report is provided on our website at www.SageStreamllc.com If Ms [redacted] would like to have her identity verified over the phone, she may call the SageStream Consumer Office toll-free at ###-###-####, Monday – Friday 9:AM to 5:PM (Pacific Time) When she calls, if a SageStream representative is not available, Ms [redacted] can leave a message indicating a time that she prefers her call to be returned

You can not get in touch with a live person, been calling for weeks. I put a security freeze online and have not received my pin.

In her complaint # [redacted] , Ms [redacted] states that she was denied credit due to information published by SageStream; that she sent us requests for a security freeze, a permanent opt-out, and a copy of her SageStream consumer report; she received correspondence from SageStream in an unsealed envelope; she did not receive a call back the same day; and that SageStream was not interested in verifying her identityWe address her concerns as follows:SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit Reporting Act, U.S.C§§ 1681, et seq(FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant.When consumers call SageStream’s toll-free number, the recorded greeting refers callers to the website for information and, because the SageStream Consumer Office is not always able to answer live calls, it invites them to leave a message to request a return call Phone messages are almost always returned within one business dayAccording to our records, SageStream received requests from Ms [redacted] as described below.1/2/2018: SageStream received a phone message from Ms [redacted] A SageStream representative returned her call the same day and left a message.1/8/2018: SageStream received a fax from Ms [redacted] requesting her SageStream consumer report, a security freeze on her SageStream file, and to opt-out from receiving firm offers or credit or insurance1/8/2018: SageStream processed her requests for the security freeze and opt-out, and mailed the confirmation letters for each request to Ms [redacted] in the same mailing envelope along with applicable disclosures (“Your Rights Under the FCRA”; Remedying the Effects of Identity Theft”; and “Texas Summary of Rights”) Ms [redacted] ’s consumer report was not mailed in the same envelope.Our standard procedure is to seal mailing envelopes before mailing correspondence and so we are unsure why Ms [redacted] received the envelope unsealed.1/9/2018: SageStream mailed Ms [redacted] ’s consumer report along with applicable disclosures as described above.1/16/2018: SageStream received a phone message from Ms [redacted] , and our representative reached her when he returned her call the same dayMs [redacted] requested that a new security freeze with a different PIN be placed on her SageStream fileOur representative explained the requirement to first verify her identity to remove the PIN currently in place He was not able to verify Ms [redacted] ’s identity over the phone and explained that she would need to submit identification documents to SageStream before we could process her request.Please note that prior to placing or removing a security freeze on a consumer’s file, SageStream is required to verify the identity of the requesting consumer, and the consumer must provide the PIN in addition to verifying their identity when removing a security freeze (see the ‘Texas Summary of Rights’ attached for reference to this requirement) This requirement is designed to help reduce the risk of a consumer becoming the victim of fraud or related crime, including identity theft, which could result from misidentifying the consumer.Regarding Ms [redacted] ’s concern that SageStream was not interested in verifying her identity by phone, our representative attempted to verify Ms [redacted] ’s identity over the phone using Knowledge Based Authentication (KBA) KBA is one of the methods SageStream uses to verify a consumer’s identity whereby a consumer is asked to answer a series of questions in order to confirm the consumer’s identity Each question includes multiple choice answers requiring the consumer to select the correct answer One of the multiple choice answers offered for each question is “None of the above”, which would be a correct response if none of the other options is correct The KBA application determines (a) if questions are answered correctly, and (b) whether or not the consumer’s identity is confirmed If a consumer’s identity cannot be confirmed through KBA, the consumer has the option of submitting identity verification documents to SageStream as detailed on our website, www.SageStreamllc.com Because we could not verify Ms [redacted] ’s identity using this method, we explained to her that she would need to submit copies of identity verification documents in order to complete her request.If Ms [redacted] has questions or if she would like us to mail copy of her consumer report which we originally mailed 1/9/2018, she may call the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:AM to 5:PM (Pacific Time)

In her complaint # [redacted] , Ms [redacted] states that she obtained a copy of her SageStream credit report and questions the lack of information that is listed on it She also questions her SageStream credit score and would like to dispute some information on her report We address her concerns are follows: SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit Reporting Act, U.S.C§§ 1681, et seq(FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicantRegarding Ms***’s concern for her SageStream credit score and key factors, please note there is no “one” credit score assigned to an individual consumer One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individualRather, there are many credit scores available in the marketCredit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score The range of possible scores can also vary from one score model to another Scores produced by SageStream range from to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from to or from to SageStream’s repository of consumer information is reported by companies from several industries including financial services, telecommunications, automotive and specialty financeCompanies where a consumer applies for credit or to open an account have the legal right, defined as “permissible purpose” under the FCRA, to request the consumer’s credit score from SageStream and use it as part of their overall decision to extend credit or to open an accountAccording to our records, the SageStream Consumer Office did attempt to call Ms [redacted] on 3/20/2018, but Ms [redacted] did not answer the phone The SageStream representative left a message instructing Ms [redacted] to call back if she should have any further questions or concernsIf Ms [redacted] is interested in disputing any information contained in her SageStream consumer report, she may contact us to file a dispute, and we will reinvestigate the disputed items If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from her consumer file If our reinvestigation confirms the information is accurate, the information will remain in her consumer file Detailed instructions on how to file a dispute with SageStream are provided on our website at www.SageStreamllc.com If Ms [redacted] has any further questions regarding filing a dispute or any other matter, she may contact the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:AM to 5:PM (Pacific Time)

I have never heard of this company and do not appreciate that I have to provide additional information to "prove" who I am to access the information that this company is gathering about me without my prior knowledge. We all understand that our credit is compiled by 3 major reporting companies. To include random companies like this one is incredibly unfair unless the lender discloses up front where they will be getting their information. We cannot possibly monitor our credit when we don't know who all is collecting data. To find out after the fact is unacceptable.

A SageStream representative attempted to reach Ms*** on October at the phone number included in her complaint to address her concerns about inaccurate information on her credit report. A message was left along with our phone number so that she could return the
call. On October 10, a letter was mailed to Ms*** encouraging her to obtain her SageStream consumer report so that she can review the information and file a dispute on any information that she believes is inaccurateOur letter included instructions on how to request her report and our toll-free number for assistance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

A SageStream Consumer Office representative spoke with Ms*** on August 30, to clarify information about her credit score and provided instructions on how she can obtain her disclosure (consumer report). We believe all issues were addressed satisfactorily

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.There are three credit bureau's in which I obtain my credit reports from (***, *** & ***) and maintain accurate information from themSageStream's reviews have been nothing but horrible and they are not a credible source of information on anyone's credit.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

A SageStream representative spoke with Ms*** on June 22, to address her concerns, and assisted her with obtaining her consumer report and placing a security freeze on her file

In his complaint #[redacted], Mr. [redacted] says that he was declined for a car purchase due to a credit report from Sagestream.  He compares his SageStream credit score with his score from Experian and Transunion, and he says that after speaking with SageStream, his questions regarding how scores...

were determined were not answered.  We address his concerns as follows: SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant. Regarding Mr. [redacted]’s concern for how his SageStream score was determined; please note there is no “one” credit score assigned to an individual consumer.  One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individual. Rather, there are many credit scores available in the market. Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score. SageStream’s repository of consumer information is reported by companies from several industries including financial services, telecommunications, automotive and specialty finance. The range of possible scores can also vary from one score model to another.  Scores produced by SageStream range from 001 to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from 300 to 850 or from 250 to 900. We encourage Mr. [redacted] to obtain a copy of his SageStream consumer report from us so that he can review it and determine if the information contained in his file is accurate and complete.  If he believes that any of the information in his file is inaccurate or incomplete, he may contact us to file a dispute, and we will reinvestigate the disputed items.  If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from his consumer file.  If our reinvestigation confirms the information is accurate, the information will remain in his consumer file.  Detailed instructions on how to request a consumer report is provided on our website at www.SageStreamllc.com.  We are confused by Mr. [redacted]’s statement that he talked to a representative at SageStream and did not get a proper explanation of his credit score.  As of this date, we do not have a record of Mr. [redacted] calling SageStream. If Mr. [redacted] has any further questions, he may call the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]-[redacted]

In her complaint #[redacted], Ms. [redacted] stated that she received a notice from [redacted] Bank indicating that they ran her credit through SageStream, LLC; however she did not provide them permission to do so. We address her concerns as follows: SageStream, LLC (“SageStream”) is a consumer reporting agency...

which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that prepares consumer reports and credit scores for its clients who are typic[redacted] lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant.    SageStream’s repository of consumer information is reported by companies from several industries including financial services, telecommunications, automotive and specialty finance. Companies where a consumer applies for credit or to open an account have the legal right, defined as “permissible purpose” under the FCRA, to request the consumer’s credit score from SageStream and use it as part of their overall decision to extend credit or to open an account. We encourage Ms. [redacted] to obtain her consumer report (disclosure) from SageStream so that she can see the information we have on file for her. Before we can assist Ms. [redacted] by investigating the inquiry she stated was made to her credit file by [redacted] Bank without her permission, we need to verify her identity. Please note that prior to initiating an investigation or providing a consumer report, a credit reporting agency is bound by the FCRA to confirm the identification of the requesting consumer. This requirement is designed to help reduce the risk of a consumer becoming the victim of fraud or related crime, including identity theft, which could result from misidentifying the consumer. To assist Ms. [redacted] with her concerns, a SageStream representative attempted to reach her on October 20 and on October 27, and left a message each time with our contact information so that she could return our call.  According to our records, we have not received a return phone call from Ms. [redacted]. Ms. [redacted] can verify her identity over the phone by calling the SageStream Consumer Office at: at [redacted], Monday – Friday 9:00 AM to 5:00 PM (Pacific Time), or follow the procedures defined below.    Provide a legible copy of her current driver’s license or other current government-issued identification card showing her current address and date of birth. •           If her driver’s license or other government-issued identification card is not current or if it does not show her current mailing address, then a legible copy of a document from Category 2 listed below is also required. •           If she does not have a driver’s 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 the your landlord confirming your current name and residential address •           Mortgage statement with the current address If Ms. [redacted] has questions regarding the procedures to request her consumer report or have her identity verified over the phone, she may call the SageStream Consumer Office toll-free at [redacted], Monday – Friday 9:00 AM to 5:00 PM (Pacific Time) or visit our website, www.SageStreamllc.com for information.  When she calls, if a SageStream representative is not available, Ms. [redacted] can leave a message indicating a time that she prefers her call to be returned.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
They refuse to address their negligent compromise of the security of my identity.  They refuse to comply with federal law requiring them to provide me with any copy of the information they are publishing about me.  They can look forward to a lawsuit.  We will see if their flimsy excuse flies with a judge.  
Regards,
[redacted]

In her complaint #[redacted], Ms. [redacted] states that she obtained a copy of her SageStream credit report and questions the lack of information that is listed on it.  She also questions her SageStream credit score and would like to dispute some information on her report.  We address her...

concerns are follows: SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant. Regarding Ms. [redacted]’s concern for her SageStream credit score and key factors, please note there is no “one” credit score assigned to an individual consumer.  One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individual. Rather, there are many credit scores available in the market. Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score.  The range of possible scores can also vary from one score model to another.  Scores produced by SageStream range from 001 to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from 300 to 850 or from 250 to 900. SageStream’s repository of consumer information is reported by companies from several industries including financial services, telecommunications, automotive and specialty finance. Companies where a consumer applies for credit or to open an account have the legal right, defined as “permissible purpose” under the FCRA, to request the consumer’s credit score from SageStream and use it as part of their overall decision to extend credit or to open an account. According to our records, the SageStream Consumer Office did attempt to call Ms. [redacted] on 3/20/2018, but Ms. [redacted] did not answer the phone.  The SageStream representative left a message instructing Ms. [redacted] to call back if she should have any further questions or concerns. If Ms. [redacted] is interested in disputing any information contained in her SageStream consumer report, she may contact us to file a dispute, and we will reinvestigate the disputed items.  If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from her consumer file.  If our reinvestigation confirms the information is accurate, the information will remain in her consumer file.  Detailed instructions on how to file a dispute with SageStream are provided on our website at www.SageStreamllc.com.  If Ms. [redacted] has any further questions regarding filing a dispute or any other matter, she may contact the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).

In his complaint #[redacted], Mr. [redacted] stated that his SageStream credit score is lower than his credit scores reported by the three major bureaus.  He also is interested in a copy of his consumer report.  We address his concerns as follows: SageStream, LLC (“SageStream”) is a consumer...

reporting agency which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant. SageStream’s repository of consumer information is reported by companies from several industries including financial services, telecommunications, automotive and specialty finance. Companies where a consumer applies for credit or to open an account have the legal right, defined as “permissible purpose” under the FCRA, to request the consumer’s credit score from SageStream and use it as part of their overall decision to extend credit or to open an account. Regarding Mr. [redacted]’s concern that his SageStream credit score is lower than his score from another consumer reporting agency; please note there is no “one” credit score assigned to an individual consumer.  One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individual. Rather, there are many credit scores available in the market. Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score.  The range of possible scores can also vary from one score model to another.  Scores produced by SageStream range from 001 to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from 300 to 850 or from 250 to 900. We encourage Mr. [redacted] to obtain his SageStream consumer report from us so that he can review it and determine if the information contained in his file is accurate and complete.  If he believes that any of the information in his file is inaccurate or incomplete, he may contact us to file a dispute, and we will reinvestigate the disputed items.  If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from his consumer file.  If our reinvestigation confirms the information is accurate, the information will remain in his consumer file. Detailed instructions on how to request a consumer report is provided on our website at www.SageStreamllc.com.  If Mr. [redacted] would like to have his identity verified over the phone, he may call the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).

In his complaint #[redacted], Mr. [redacted] has stated that his SageStream credit score is lower than his credit scores reporting by all credit bureaus.  We address his concern as follows: SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit...

Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant.   Regarding Mr. [redacted]’s concern that her SageStream credit score is lower than her score from another consumer reporting agency; please note there is no “one” credit score assigned to an individual consumer.  One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individual. Rather, there are many credit scores available in the market. Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score.  The range of possible scores can also vary from one score model to another.  Scores produced by SageStream range from 001 to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from 300 to 850 or from 250 to 900. We encourage Mr. [redacted] to obtain his SageStream consumer report from us so that he can review it and determine if the information contained in his file is accurate and complete.  If he believes that any of the information in his file is inaccurate or incomplete, he may contact us to file a dispute, and we will reinvestigate the disputed items.  If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from his consumer file.  If our reinvestigation confirms the information is accurate, the information will remain in his consumer file. Detailed instructions on how to request a consumer report is provided on our website at www.SageStreamllc.com.  If Mr. [redacted] would like to have his identity verified over the phone, he may call the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).  When he calls, if a SageStream representative is not available, Mr. [redacted] can leave a message indicating a time that he prefers his call to be returned.

In her complaint #[redacted] Ms. [redacted] stated that she was denied credit because of a low score report by SageStream.   She also questioned her low SageStream credit score.  We address her concerns as follows: SageStream, LLC (“SageStream”) is a consumer reporting...

agency which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant.   In addition to a credit score, SageStream may provide one or more key factors having the most impact on a score. Regarding Ms. [redacted]’ concern that her SageStream credit score is lower than her score from another consumer reporting agency; please note there is no “one” credit score assigned to an individual consumer.  One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individual. Rather, there are many credit scores available in the market.  Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score.  The range of possible scores can also vary from one score model to another.  Scores produced by SageStream range from 001 to 999, whereas scores produced by another consumer reporting agency, which could include [redacted] scores, can range from 300 to 850 or from 250 to 900.    We encourage Ms. [redacted] to obtain a copy of her SageStream consumer file from us so that she can review it and determine if the information contained in the file is accurate and complete.  If she believes that any of the information in her file is inaccurate or incomplete, she may contact us to file a dispute, and we will reinvestigate the disputed items.  If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from her consumer file.  If our reinvestigation confirms the information is accurate, the information will remain in your consumer file.   Please note that prior to providing a consumer report or score disclosure, a credit reporting agency is bound by the FCRA to confirm the identification of the requesting consumer.  This requirement is designed to help reduce the risk of a consumer becoming the victim of fraud or related crime, including identity theft, which could result from misidentifying the consumer. Detailed instructions on how to request a consumer report is provided on our website at www.SageStreamllc.com.  If Ms. [redacted] would like to have her identity verified over the phone, she may call the SageStream Consumer Office toll-free at ([redacted], Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).  When she calls, if a SageStream representative is not available, Ms, [redacted] can leave a message indicating a time that she prefers her call to be returned.

In his complaint #[redacted], Mr. [redacted] stated that he was declined and that his SageStream credit score was 200 points less than other credit agencies. SageStream, LLC (“SageStream”) is a consumer reporting agency which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA)...

that prepares consumer reports and credit scores for its clients who are typically lenders and other credit-granting companies.  While SageStream provides credit scores and score factors to credit grantors, SageStream does not make credit decisions nor does it have visibility into a credit grantor’s criteria for granting or denying any applicant. Regarding Mr. [redacted]’s concern about his SageStream credit score, please note there is no “one” credit score assigned to an individual consumer.  One consumer reporting agency’s credit score for an individual does not correlate to another consumer reporting agency’s credit score for that same individual. Rather, there are many credit scores available in the market.  Credit scores produced by each consumer reporting agency can differ depending on the data that they have about a consumer, as well as the score model used to calculate the score.  The range of possible scores can also vary from one score model to another.  Scores produced by SageStream range from 001 to 999, whereas scores produced by another consumer reporting agency, which could include FICO scores, can range from 300 to 850 or from 250 to 900. We encourage Mr. [redacted] to obtain a copy of his SageStream consumer report so that he can review it and determine if the information contained in the file is accurate and complete.  If he believes that any of the information in his file is inaccurate or incomplete, he may contact us to file a dispute, and we will reinvestigate the disputed items.  If the results of our reinvestigation show that the information is inaccurate or if it cannot be verified, we will modify or delete the information from his consumer file.  If our reinvestigation confirms the information is accurate, the information will remain in his consumer file.  Detailed instructions on how to request a consumer report is provided on our website at www.SageStreamllc.com.  We are confused by Mr. [redacted]’s statement that he believes that he had to register with SageStream when Transunion was hacked. SageStream is a consumer reporting agency; a consumer is never required to register anything with SageStream. If Mr. [redacted] has any questions regarding his SageStream credit score or the procedures to obtain his consumer report, he may call the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).