SageStream LLC Reporting very low credit score when credit is good San Diego California

I just bought a car and thought everything was fine. I received a letter in the mail from Ally bank stating that they turned me down for a loan because of my credit score. They had 2 reporting agencies in the letter. Equifax and this other company, Sagestream, which I've never heard of. Equifax gave my credit score in the 800's. Sagestream reported it in the 600's. I went on line to get reports from Equifax and Transunion. They both have my score in the 800's.

I also can't believe the "reasons" they gave for the low score.  First: Total account balances. I have some debt but very little. My cards are used but I am in no way in heavy debt. Second: Limited history at this Phone??? Seriously, the phone. So why don't Equifax and Transunion have trouble finding me. Bet they didn't try using my phone (which by the way, I've had that number for years). Third: Time since most recent revolving account established. guess the line of credit at the bank doesn't count, it's current and I use it over and over. Credit cards are used monthly to pay bills but no, I haven't opened a new one in a while. What exactly are the looking for?? Fourth: Too few active accounts. Funny, Equifax found 8 accounts plus the line of credit and some old loans that were now paid off. Transunion found 9 accounts, plus the line of credit and some older loans. Both stated all accounts were in good standing.

How can they get away with this when it affects my credit and my life? I will be calling Ally bank and asking for a report on this. These people need put out of business for this shoddy work, if it is shoddy. I believe they may be doing it on purpose. Hopefully this will help someone else because when I checked on line, there appear to be a lot of people having the same problem with this company. Many were also connected to Ally bank. Good to know. Will make sure I never deal with them.