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SageStream · Supplementary credit reporting

Turned down because of a SageStream report?

SageStream, owned by LexisNexis Risk Solutions, sells supplementary consumer reports to lenders, retailers, utilities and phone companies. If your SageStream file is wrong and the company won't fix it, the Fair Credit Reporting Act gives you the right to sue.

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Who SageStream is and who relies on its reports

SageStream, LLC is a specialty consumer reporting agency. The CFPB’s list of consumer reporting companies places it in the “supplementary reports” category and says LexisNexis Risk Solutions owns it. According to the CFPB, SageStream collects information from, and provides supplementary consumer reports to, auto lenders, credit card issuers, retailers, utilities and mobile phone service providers, among other businesses.

A supplementary report is something a company checks in addition to, or instead of, your regular credit report, often to verify identity or screen for fraud when you apply. If a store card application, auto loan or new phone line was declined and the notice named SageStream, the decision may have turned on a file you have never seen. SageStream’s website, sagestreamllc.com, now redirects to the LexisNexis Risk Solutions consumer portal. See our LexisNexis Risk Solutions page for the parent company’s other consumer files.

Errors that show up on SageStream reports

Because supplementary reports are often used to spot fraud and confirm identity, the most damaging errors involve identity:

  • Applications you never made. Credit or service applications submitted by an identity thief.
  • Mixed files. Another person’s application or account history tied to your name or Social Security number.
  • Wrong identifying details. Addresses, phone numbers or name variations that are not yours and make you look like a fraud risk.
  • Stale account information. Accounts you closed or paid still shown as open or owing.
  • Fraud flags that will not clear. A warning that stays on your file after you prove who you are.
  • Shallow disputes. A dispute closed without contacting the company that supplied the information.

How to dispute SageStream

The CFPB listing and the LexisNexis Risk Solutions consumer portal give these channels:

  1. Read the denial notice. A company that declines you based on a consumer report must name the company that supplied it.
  2. Request your report. Call 866-897-8126, the number the CFPB lists for SageStream, or write to SageStream, LLC, LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108. The LexisNexis consumer report page also has an online request form and a printable form for the same P.O. box. The CFPB says SageStream provides one free report every 12 months on request.
  3. Mark each error. List every application, account or identifying detail that is wrong and why.
  4. Dispute in writing and keep proof. Write to the mailing address on SageStream’s CFPB listing, with copies of your ID, proof of address and an FTC identity theft report if the entries come from fraud. The CFPB recommends sending copies, not originals, and marking the errors on a copy of your report. The LexisNexis consumer portal also explains its dispute process and lets you request a letter showing the status of your disputes.
  5. Dispute with the company that supplied the data. The CFPB advises disputing with both the reporting company and the furnisher.
  6. Freeze your file. The CFPB says SageStream will freeze your report if you ask. The LexisNexis consumer portal has a security freeze page.
  7. Keep copies of the denial, your report, your dispute, mailing receipts and every response.

How to contact SageStream

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). SageStream must follow reasonable procedures to assure maximum possible accuracy of the information it reports about you.
  • Reinvestigation (§ 1681i). SageStream must reasonably reinvestigate a dispute, free of charge, generally within 30 days, forward it to the company that supplied the information, and correct or delete inaccurate, incomplete or unverifiable information.
  • File disclosure (§ 1681g). You may see all information in your file, its sources and who has requested your report.
  • Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice. The CFPB reports that SageStream also provides one free report every 12 months on request.
  • Identity theft blocks (§ 1681c-2). If you send an identity theft report, SageStream generally must block the fraudulent information.
  • Fraud alerts and freezes (§ 1681c-1). Federal law sets out fraud alert and freeze rights, and the CFPB says SageStream will freeze your report on request.
  • Permissible purpose (§ 1681b). Your report may be pulled only for a purpose the FCRA allows.
  • Adverse action notice (§ 1681m). A lender, retailer or phone company that denies you based on a SageStream report must name SageStream and explain your right to a free copy and to dispute.

Can you sue SageStream?

Yes, if SageStream reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. A typical example is a file that kept showing an identity thief’s applications or addresses after you sent proof of who you are.

What you may recover. For a negligent violation, you may recover your actual damages, such as a lost loan, card or phone plan, higher costs, and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Whether you have a case depends on what SageStream reported, what you sent with your dispute, and how the error affected you. Keep every document.

Get a free case review

If a SageStream report cost you credit or service and the company would not fix it, act promptly. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel. We work on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice, our identity theft cases and the other companies we cover.

Questions about suing SageStream

Can I sue SageStream?

Yes, if the facts support a claim. SageStream is a consumer reporting agency. If it reports inaccurate information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim under the FCRA.

Who owns SageStream?

According to the CFPB's list of consumer reporting companies, LexisNexis Risk Solutions owns SageStream, LLC. SageStream's website now redirects to the LexisNexis Risk Solutions consumer portal.

How do I get my SageStream report?

The CFPB lists SageStream's phone as 866-897-8126 and its mailing address as SageStream, LLC, LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108. The CFPB says it provides one free report every 12 months on request.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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