SageStream LLC

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.
I have tried to contact Sagestream with the phone number provided and it is no longer a working number!  REALLY people.  This is the number that was left on my phone to call. [redacted], while I was out of town.I am already working when you people are just getting started on your day. EASTERN STANDARD TIME!I work 12 hour days.  I want to speak to a LIVE person.  I’m truly shock how you all quickly sweep this under the rug.  When I got the letter that was mentioned  was mailed October 10th, which I received from San Diego and was postmarked in San Diego Oct 11 and received Oct 14th. It’s too late to call.  I have off 1 day a week in which to call and actually make contact with a person.  Today was that day.  I received a alternate number [redacted].  GUESS WHAT??  No person….no response to message I left this morning. REALLY??  So is this company changing their name quite frequently??
Regards,
[redacted]

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 identity. 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.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 day. According 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 day. Ms. [redacted] requested that a new security freeze with a different PIN be placed on her SageStream file. Our 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 9:00 AM to 5:00 PM (Pacific Time).

RE:  Revdex.com #[redacted] Dear [redacted], On 6/22/2016 a SageStream customer service representative contacted Mr. [redacted] by phone to resolve his complaint which we received 06/21/2016.  Our representative explained that SageStream is a consumer reporting agency that is governed by the FCRA,...

and she provided information about our credit score and how it is different than scores from other consumer reporting agencies.  She discussed Mr. [redacted]’s SageStream credit file with him and mailed his printed consumer report (disclosure) so he can review the information SageStream has about him. Mr. [redacted] indicated that he was satisfied with this response and our representative encouraged him to contact our Consumer Office if he has additional questions or concerns. Sincerely, [redacted] Vice President Credit Risk Solutions SageStream, LLC

Re: Revdex.com #[redacted] Dear [redacted], SageStream mailed a letter to Ms. [redacted] dated June 27, 2016 in response to her complaint which we received June 22, 2016.  A summary of the letter is as follows: In our letter, we explained that SageStream, LLC is a consumer reporting agency which is...

governed by the Fair Credit and Reporting Act, 15 U.S.C. §§ 1681, et seq. (FCRA) that provides consumer reports (scores) to credit issuers allowing them to assess creditworthiness, as well as prevent identity theft and fraud. We also clarified that, while SageStream provided a credit score and score factors to the creditor identified in her complaint, SageStream did not make the credit decision nor does it have visibility into the lender’s criteria for granting or denying any applicant. We encouraged Ms. [redacted] to obtain her consumer report (disclosure) from SageStream so that she can see the information we have about her, and we explained her right to file a dispute if she believes that information contained in her report is inaccurate or incomplete. We also explained that as it relates to consumer disclosures, a credit reporting agency is bound by the FCRA to confirm the identification of the requesting consumer.  Since she stated concerns about mailing copies of her identity verification documents for this purpose, we provide our secure FAX number as an alternative and invited her to contact us for other options to verify her identity. In her complaint, Ms. [redacted] requested to be removed from SageStream lists.  Since her request was not specific, we provided her with information about her rights to place a security freeze on her file and provided the document, “Ohio Consumers Have the Right to Obtain a Security Freeze” which describes her rights as a resident of Ohio.  We also provided information regarding the rights consumers have to opt-out from receiving firm offers of credit and insurance (prescreened offers) and confirmed SageStream’s policy of not providing lists for this purpose. Our letter referenced our website, www.SageStreamllc.com for detailed instructions on how to request a consumer report, security freeze or to opt-out from receiving prescreened offers of credit, and we invited Ms. [redacted] to contact us with any questions.  We also provided the document, “A Summary of Your Rights Under the Fair Credit Reporting Act”. We welcome the opportunity to provide Ms. [redacted] additional assistance or to answer questions she might have regarding the information provided in our response. Sincerely, [redacted], Vice President Credit Risk Solutions SageStream, LLC

This is to acknowledge receipt of the complaint that you have filed with the Revdex.com thatwe received on April 2, 2015. Although there are minimal facts regarding the transaction forming thebasis of your complaint, it appears that you may have applied for credit with a lender that...

obtains creditscores from SageStream, LLC, formerly known as IDA, Inc.As with other credit reporting agencies, SageStream may provide a credit score when an application forcredit is submitted to one of its financial services customers. SageStream does not make credit decisionsor otherwise participate in the credit review process so cannot confirm or explain why an application maybe granted or denied.In addition to a credit score, SageStream may also return one or more reason codes that had the mostimpact on a score associated with an application. Particularly in the case of a good credit score, unlikelyreason codes may be returned because there are no other more significant factors. In other words, simplybecause a reason code relating to duration of residence is returned, any actual impact on the score may beminimal.We realize it can be difficult to understand the details associated with a credit score. When consumerscontact us directly, we typically find that we can address any concerns. Often the best approach is towork with one of our representatives to review and understand your consumer disclosure. In accordancewith the Fair Credit and Reporting Act (the "FCRA''), 15 U.S.C. §§ 1681, et seq., SageStream providesconsumer disclosures in response to a written request by the consumer and verification of their identity asexplained more fully on our website. Should you wish to work directly with our Consumer Office, weencourage you to contact us directly at (888) 395-0277.Sincerely,[redacted]General Counsel & Privacy Officer

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.
Sagestream, LLC has offered no solution to my complaint as to why their reporting agency scores my credit rating so much lower than the other agencies. This not only should be rectified in my case, but for all the other consumers out there that are being effected by their seemingly "arbitrary" ratings. If they do not correct their reporting my next step could be to file a complaint with the California attorney generals office. If they chose to communicate with me to provide my free report they need to request this in writing either by email or mail. For identity theft reasons I do not give my personal information to random people calling me on the phone. 
Regards,
[redacted]

In his complaint (#[redacted]), Mr. [redacted] that he applied for a car loan but SageStream ruined his getting a loan; he has questioned his SageStream credit score and referenced the score factors associated with his score. 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.   In addition to a credit score, SageStream may provide one or more key factors having the most impact on a score. 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.    According to our records, a SageStream representative made an attempt to return a call phone to Mr. [redacted] on 10/2/2017 but was unable to leave a message.  We received his request for a security freeze and consumer report.  The security freeze confirmation was sent out on 10/9/2017, and his consumer report was mailed to him on 10/12/2017. 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. 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).  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] has stated that she was denied a loan due to her score from SageStream. She has also requested that her free copy of the consumer report from SageStream.  We address his/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]’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.    In regard to her request for a consumer report, 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. We attempted to reach Ms. [redacted] on 9/21/2017 and 9/28/2017 at the phone number included in her complaint to try and assist her.  We left a voice message each time with our toll-free number so that she could return our call.  According to our records, we have not received a return call from Ms. [redacted]. If Ms. [redacted] has questions regarding her score from SageStream, the procedures to request her consumer report/security freeze or have her identity verified over the phone, she may call the SageStream Consumer Office toll-free at (888) 395-0277, 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.

Dear [redacted],SageStream mailed a letter to Mr. [redacted] dated July 28, 2016 in response to his complaint which we received on July 19, 2016. In our letter, we explained that SageStream, LLC is a consumer reporting agency which is governed by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq....

(FCRA) that provides consumer reports (scores) to credit issuers allowing them to assess creditworthiness, as well as prevent identity theft and fraud.  In addition to a credit score, SageStream may provide one or more key factors having the most impact on a score.  We encouraged Mr. [redacted] to obtain his consumer report (disclosure) from SageStream so that he can see the information we have about him, and we explained his right to file a dispute if he believes that information contained in her report is inaccurate or incomplete. In response to Mr. [redacted]’s question about his right to have his information removed from SageStream, we explained the right he has to place a security freeze on his credit file and his right to opt-out from receiving firm (pre- screened) offers of credit or insurance. SageStream’s Consumer Office contact information was included in our letter, and we welcome the opportunity to provide Mr. [redacted] additional assistance or to answer questions he may have regarding the information provided in our response. Sincerely,[redacted], Vice PresidentCredit Risk SolutionsSageStream, LLC

A SageStream representative attempted to reach Ms. [redacted] on June 26 and June 28, 2017  and left a message each time requesting that she call our Consumer Office so that we could address her concerns and help her obtain her consumer report. Since we did not receive a return call, we mailed a...

letter to Ms. [redacted] on July 5, 2017 which provided an explanation about credit scores, and we encouraged her to request her SageStream consumer report so that she can see the information we have about her.

In his complaint # [redacted], Mr. [redacted] stated that he would like a copy of his report as well as placing a security freeze on his consumer file. He has stated that upon calling the toll free number he was not able to reach to a representative due to the phone system not working.  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.   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 day. According to our records, SageStream has never received a phone call or written correspondence from Mr. [redacted]. We attempted to reach Mr. [redacted] by telephone on 9/21/2017 and left a voice message which included the toll-free number to reach our Consumer Office so that we may assist him by telephone; a second attempt was made on 9/28/2017 to reach Mr. [redacted] and we left a voice message with the same details. 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. If Mr. [redacted] has questions regarding the procedures to request his consumer report/security freeze or 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) or visit our website, www.SageStreamllc.com for information.  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 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 her. She 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, 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]’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 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. 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 9/28/2017 and 10/5/2017 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 10/6/2017 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 abruptly. We 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 complete. 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 ###-###-####, 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 her complaint #[redacted], Ms. [redacted] stated she was declined for a car due to an inaccurate low credit score 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, 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]’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 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 Ms. [redacted] to obtain her SageStream consumer report from us so that she can review it and determine if the information contained in her 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 her consumer file. 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 (888) 395-0277, 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.

Dear [redacted], SageStream mailed a letter to Mr. [redacted] dated May 4, 2016 in response to his complaint in which he claimed that SageStream released his credit report (score) to lenders though he had previously requested security freeze on his credit file. In our response, we confirmed that...

SageStream LLC is a consumer reporting agency which is governed by the FCRA that provides consumer reports to credit issuers allowing them to assess creditworthiness as well as prevent identity theft and fraud. We assured Mr. [redacted] that a security freeze has been maintained on his file since we received his request on May 22, 2015.  We also confirmed that we received two inquiries from creditors on April 4, 2016, and our response to each creditor indicated a credit score could not be returned because the consumer had requested a security freeze on his file.  We assured Mr. [redacted] that the security freeze will remain on his credit file until he contacts us requesting to have it removed and provides the PIN which was included in the confirmation letter we mailed to him when the security freeze was initially placed last May. While Mr. [redacted] did not indicate how he determined that SageStream released his credit score, we explained that some creditors will request a score from more than one credit reporting agency.  However, in their correspondence to consumers, it is not always clear as to which credit reporting agency’s score they received. Finally, we were confused by Mr. [redacted]’s statement that the information we reported about him was incorrect.  He did not specify this information and so we suggested that he obtain a copy of his consumer disclosure from SageStream to review the information we have about him.  If he believes the information is inaccurate or incomplete, he can contact us to file a dispute and we will have it investigated by the source that provided the information. Should Mr. [redacted] have any questions regarding our response or if he wants to obtain his consumer disclosure, he can contact a SageStream representative by calling our toll-free number (888) 395-0277 Monday – Friday, 9:00 AM to 5:00 PM (Pacific Time) or visit our website www.sagestreamllc.com for information. Regards, Patrick Reemts Vice President, Credit Risk Solutions SageStream

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.
Regards,
[redacted]

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.I am also waiting for some documents to review what SageStream had said and use to report to [redacted] in which [redacted] does not replies to my calls the number provided by [redacted] and it states to leave the application number and someone will call me back it has been over 30 days and no one from ally bank 
Regards,
[redacted]

In his complaint (Revdex.com #[redacted]) Mr. [redacted] stated that there is false information on his credit report and that SageStream does not correct nor communicate. We address his concerns as follows: SageStream, LLC 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.  We are confused by Mr. [redacted]’s statement that SageStream does not communicate since we have responded to his requests as described below. 8/10/2017        Mr. [redacted] called SageStream and left a message to return his call. 8/11/2017        A SageStream representative returned Mr. [redacted]’s call; however the phone rang and was not answered. There was no option to leave a message. 8/15/2017        We received correspondence from Mr. [redacted] requesting his SageStream consumer report.  Because his request did not include identification documents, we mailed Mr. [redacted] a letter explaining that his request was received but we would need to verify his identity before processing his request.  The letter included specific instructions and acceptable documents for verification of his identity.  We are attaching a copy of this letter (“Incomplete Letter”). Please note that prior to providing a consumer report or placing a security freeze on a consumer’s file, 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. 8/23/2017        We received correspondence from Mr. [redacted] which included his identification documents needed to complete his request, and we mailed his SageStream consumer report to him on the same day. The cover letter of his consumer report provided information about filing a dispute on the information contained in his report, and it included the instructions for contacting SageStream to file a dispute.   We are attaching the cover letter of his consumer report; however, to protect Mr. [redacted]’s personal information, we are not attaching his consumer report. 8/29/2017        We received correspondence from Mr. [redacted] requesting a security freeze on his SageStream consumer file.  His request included the appropriate identification documents and his request was processed.   A security freeze confirmation was mailed to Mr. [redacted] the same day.  A copy of the letter is attached.  For security purposes, the PIN which was included in the letter to Mr. [redacted] has been deleted from the attached copy. If Mr. [redacted] has questions regarding his SageStream consumer report or filing a dispute, he may call the SageStream Consumer Office toll-free at (888) 395-0277, Monday – Friday 9:00 AM to 5:00 PM (Pacific Time).  If a SageStream representative is not available to accept his call, he can leave a message indicating a time during business hours that he prefers to be contacted

In his complaint (#[redacted]), Mr. [redacted] that he applied for a car loan but SageStream ruined his getting a loan; he has questioned his SageStream credit score and referenced the score factors associated with his score. 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.   In addition to a credit score, SageStream may provide one or more key factors having the most impact on a score. 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.    According to our records, a SageStream representative made an attempt to return a call phone to Mr. [redacted] on 10/2/2017 but was unable to leave a message.  We received his request for a security freeze and consumer report.  The security freeze confirmation was sent out on 10/9/2017, and his consumer report was mailed to him on 10/12/2017. 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. 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).  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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution does the bare minimum to be satisfactory to me. The business did contact me with regard to my Revdex.com inquiry, though I was also told that the company was experiencing "high call volumes", which is why it might have otherwise taken a long time to return my calls. And I don't mean weeks or months - I mean ever. I am still of the firm belief that the Revdex.com's high rating is undeserved, and would ask that the Revdex.com independently make several random calls to their stated phone number on the behalf of customers to see whether they ever get a response. The Revdex.com's rating should not be reflective of only the people that contact the business through the Revdex.com. I'm particularly assertive, but I have many friends that are not, and the artificial friction this company adds to the process makes it that much harder to take advantage of the right given by the Fair Credit Reporting Act. It does not bode well that the Revdex.com didn't even have the correct phone number listed. Additionally, though I was happy to be verified by phone and have the security freeze placed and a consumer report sent, I was relatively unhappy with the cryptic details surrounding how the agency chooses a score. I should mention that the person who called me was very polite and nice, and I appreciated her time and explanations. I'm not complaining about my personal experience as much as I'm trying to offer constructive criticism about what this company minimum responsibilities should be. I was told that this score would be ~200 lower than my FICO score, because they thought the higher ranges of FICO were overrepresented. So instead, they don't give scores above 600, and change the scale from 0 - 999. I asked what the difference was between 400 and 600, and whatever algorithm they use wasn't clear enough to answer that question. Clarity is important - it helps the company deciding whether or not to give me credit, and it helps me understand why I denied. Without clarity, anybody could offer a random number and it'd would be just as good. I hope to never hear this company's name again because the service they provide is at best verification of identity, with the possibility of error, and at worst, a cryptic understanding of what credit lines the person has applied for. I'm really not pleased, but they did the two things I asked for in my complaint, so if they follow through on sending me my consumer report I will consider this completed.  
Regards,
[redacted]

We responded to Ms. [redacted] by sending a letter dated May 25, 2017 which included our toll-free number, mailing address, and it referenced our website.  We explained that we don't provide customer service through email.  Our letter also described SageStream's score...

model.