SageStream, LLC

SageStream, LLC is a consumer credit reporting agency that operates as a subsidiary of LexisNexis® Risk Solutions. The company provides supplemental consumer reports and proprietary credit scores to various businesses, including auto lenders, credit card issuers, retailers, and wireless service providers, to help them manage risk and make credit decisions. Regulated by the Fair Credit Reporting Act (FCRA), SageStream compiles financial and personal information to generate these detailed reports, which can influence an individual's ability to obtain credit or services. The aggregation of this sensitive financial data poses significant privacy risks; inaccuracies could lead to the wrongful denial of credit, housing, or employment, while the existence of such detailed profiles creates a valuable target for identity thieves and fraudsters. To protect themselves, individuals should be cautious about where they share personal financial information. Consumers have the right to request a free copy of their SageStream report annually to check for errors, dispute any inaccurate information, and place a security freeze on their file to restrict access to their data.