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eIDcompare User Guide

Company Administration Edition

January 2016

Confidential and Proprietary Information.

Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved

Page | 2

Confidentiality Agreement

The material presented in this guide is confidential and proprietary to Equifax Information

Services LLC (“Equifax”). By accepting this guide, recipients agree not to disclose any

information contained herein to any third parties and/or to reproduce any part of this guide

without, in each instance, the prior written consent of Equifax by writing to:

Equifax Information Services LLC

Marketing Communications, H-22

1550 Peachtree Street, N.W.

Atlanta, GA 30309

Confidentiality, Non-Disclosure, and Legal Disclaimer Information

The contents of this document are confidential and proprietary to Equifax Technology Solutions, LLC

(“Equifax) and may not be reproduced, published, or disclosed to others without written authorization of

Equifax.

Unauthorized or improper access to the Equifax eID system, unauthorized disclosure of confidential codes or

system access instructions, intentional alteration or destruction of data, or any other unauthorized activity,

can lead to civil liability and/or federal prosecution under the Counterfeit Access Devi ce and Computer

Fraud and Abuse Act.

Equifax, eIDcompare, and Equifax ePort are registered trademarks of Equifax Inc.

Inform > Enrich > Empower and eIDcompare are trademarks of Equifax Inc.

Equifax and Equifax ePort are registered trademarks of Equifax Inc. Copyright © 2016 Equifax Inc., Atlanta,

Georgia. All rights reserved.

Copyright © 2016 Equifax Inc. Atlanta, Georgia. All rights reserved.



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Contacting Support

All support requests should be directed to Equifax Customer Support by phone at the numbers

below, or via email requests. Requests may consist of questions, software related issues, or

enhancement requests to software.

Country Business Hours Phone Number

USA 08:00 AM EST. 05:00 PM EST 1-888-407-0359, Option 4

UK 08:00 AM GMT. 06:00 PM GMT 08000 560560

Canada 08:00 AM EST. 05:00 PM EST 1-800-387-9986

Emergency Support

Customers requiring production related or critical support should contact the Equifax Support

Desk at the toll-free numbers. Examples of emergency support include cases in which a customer

is experiencing major business impact and only apply to production environments.

Support is available 24 hours/7 days a week in the US and Canada.

Note: For urgent issues after hours in Canada, please call and leave a voicemail message. The

message will generate a page to the US support desk.

Non-emergency Support

Customers requiring non-critical support or research requests should contact Equifax the USA,

UK, or Canada support desk by telephone during regular business hours or submit an email to:

[email protected]

mailto:[email protected]



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Table of Contents

Confidentiality Agreement ..........................................................................................................2

Contacting Support .....................................................................................................................3

Emergency Support .....................................................................................................................3

Non-emergency Support..............................................................................................................3

About the eIDcompare Product ...................................................................................................5

FEATURES ...............................................................................................................................6

BENEFITS ................................................................................................................................6

Input ......................................................................................................................................6

Output/Results ............................................................................................................................8

Completion Messages .................................................................................................................8

Before You Begin .......................................................................................................................8

Registering for the eIDcompare Product .................................................................................... 10

Giving ePort Users Access to eIDcompare ................................................................................ 16

Using the eIDcompare Product .................................................................................................. 16

Submitting an eIDcompare inquiry ............................................................................................ 19

Transaction ID .......................................................................................................................... 24

Addendum A - Risk Logic ........................................................................................................ 28

Addendum B - Table of All Possible Reason Codes .................................................................. 32



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About the eIDcompare Product

OVERVIEW

The eIDcompare product is the Equifax Internet-based ID Verification service that validates

whether an applicant's identity actually exists and offers an overall risk score for that identity.

eIDcompare leverages a cascade approach to validating applicant information against multiple

data sources.

EIDCOMPARE: THE ID VERIFICATION AUTHORITY

The eIDcompare™ product is designed to exclusively help mitigate ID fraud and assist in

regulatory compliance by providing ID verification of consumer identities. eIDcompare does this

by verifying supplied ID information across multiple data sources via complex data mining and

data mining and data match logic.

eIDcompare also provides clients with a highly predictive Fraud Index Score which indicated the

likelihood an ID may be associated with fraudulent activity. The Fraud Index Score is derived

using an Equifax-developed statistical model which was explicitly designed and validated to

detect identity fraud data patterns and characteristics.

NON-FCRA PRODUCT

eIDcompare is a non-FCRA product. This means the Fair Credit Reporting Act (FCRA)

regulations do not apply to the use of this product. However, it is critical eIDcompare be used

solely for the purpose of identity verification and identity fraud prevention and not be used in

any way to make credit decisions.



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FEATURES

If an identity is connected to questionable activity, eIDcompare delivers a warning indicator,

reason codes, data source validation, and either a ‘pass’ or ‘manual review’ recommendation.

Additional features:

Validates that an identity exists, and that of itself, is legitimate

Identifies misused addresses and telephone numbers

Identifies misused or fraudulent Social Security numbers

Verifies whether an identity is associated with suspicious fraud attributes

Offers High, Med, Low Reason Code Risk Levels

Includes a Predictive Fraud Score option

The predictive Fraud Index Score that indicates the likelihood an ID may be associated with

fraudulent activity is derived using an Equifax-developed statistical model which was explicitly

designed and validated to detect identity fraud data patterns and characteristics.

BENEFITS

Reduces losses due to inadequate ID verification processes

Assists with compliance requirements regarding ID verification

Streamlines ID verification decision with “Pass” or “Review Recommended”

recommendation

Specific reason code results and Fraud Index Score available for further ID verification

purposes as needed

Pay per ID Verification transaction submitted – no monthly minimums or obligations

Input

eIDcompare verifies an ID by using the following data fields:

Name (First & Last) required

Current Address (Street, City, State, Zip) required

Former Address

Social Security Number

Phone Number

Birthdate

Driver’s License Number

Driver’s License State of Issue



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Sensitivity Settings

Clients have the option to select one of the following three sensitivity settings for the ID

verification logic prior to submitting each ID verification request. The levels are:

Highly Sensitive

Sensitive

Regular

You can view the risk decision criteria for each of these settings in Addendum A and

Addendum B sections at the end of this guide.

Using the selected sensitivity, eIDcompare will return an Assessment Recommendation of either

PASS or REVIEW RECOMMENDED. The sensitivity feature allows each client to select the

option which works best for their business needs with regards to managing transactional risk.

For example, using the same ID information you may receive an Assessment Recommendation

of PASS when using Regular sensitivity and receive an Assessment Recommendation of

REVIEW RECOMMENDED when using the Sensitive (or highly Sensitive) setting. In other

words, as the sensitivity setting moves from the Regular to Highly Sensitive setting, eIDcompare

will recommend REVIEW RECOMMENDED on a higher percentage of transactions.

The following table illustrates the typical percentage of transactions flagged for “review” versus

true fraud caught by sensitivity option.

Sensitivity Level Review % % Frauds Caught % Pass

Highly Sensitive 22% 73-82% 78%

Sensitive 10% 68-73% 90%

Regular 5% 55-68% 95%

Note:

Name and Address are the only required data fields. However, the more information that can

be supplied typically derives better results. This is definitely the case for the SSN and the

Date of Birth fields.



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- Important Disclaimer -

These percentages above are provided as a directional guideline only and are based on the

overall client population using eIDcompare. These are not guaranteed percentages and should

not be used as exact percentages your company might experience. The target consumer

population can be vastly different for each company and certain consumer populations tend to

present greater ID verification challenges and /or contain a higher percentage of fraudsters than

normal – thereby resulting in higher review percentages.

Output/Results

When submitting an inquiry, eIDcompare returns the following results for each completed

transaction:

Assessment Recommendation – PASS or REVIEW RECOMMENDED

Fraud Index Score – 1 through 8

Reason Codes

The Fraud Index Score and Reason Codes are provided should a client choose to use the

presence (or absence) of certain Reason Codes in combination with a specific Fraud Index Score

value to make a different determination other than the Assessment Recommendation provided.

Completion Messages

After the identification assessment and authentication process completes, a completion message

is sent to the customer containing an overall assessment recommendation of pass, fail, or manual

review. The sensitivity of the overall assessment recommendation is based on the Equifax risk

strategy configuration chosen by the customer.

Before You Begin

The purpose of this guide is to provide instructions and guidance for registering and using the

eIDcompare (ID Verification) service. This document is not intended to provide instructions for:

ePort Registration

Creation of Company Administration

Creation of ePort users



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Note:

Your Company must already be registered and approved for access to Equifax ePort. For more

information regarding ePort registration, contact Equifax Customer Support; contact information

is provided on the “Contact Us” page on the ePort web site. You may also refer to the 'How to

Register for ePort Guide' for instructions.

You must establish at least one Company Administrator on ePort. If you have not completed this

step, please refer to the 'How to Use eCredit Information Guide' for instructions on how to

accomplish a Company Administrator.

You must establish company end users on ePort and grant them access to the eIDcompare

product in order to use eIDcompare on ePort. If you have not completed either of these steps,

please refer to the 'How to Use eCredit Information Guide' for instructions on how to accomplish

this.



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Registering for the eIDcompare Product

The instructions listed below are designed for registered ePort customers who want to access

eIDcompare.

: Go to https://www.ePort.equifax.com. Log in to ePort as a Company Administrator by Step 1

entering the Company ID, User ID, and Password; Click Login

Note: If you are not registered for ePort, refer to the ‘Before You Begin’ section of this guide.

Step 1

https://www.eport.equifax.com/



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: Once you have successfully entered your credentials and clicked Login, the Permissible Step 2

Purpose screen will be displayed. After carefully reading the clause, click Submit.

If you do not wish to have the Permissible Purpose displayed each time you log in to ePort, click

the ‘Agree, Do not display this message again’ check box before clicking Submit.

Note: If you previously opted for the Permissible Purpose not to be displayed skip to Step 3

: Once the Submit button has been clicked, the Challenge Question screen will be Step 3

displayed. Enter your Challenge Answer in the Challenge Answer field then click Submit.

Your Company ID

* Your Security Question will appear here.

Step 2

Step 3



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Step 4: Upon successful login and authentication, the Equifax ePort home page will appear.

Click the Administration tab.

Step 5: Once the Administration tab is clicked, by default you will be on the User

Management tab. Click the Product Registration tab.

Step 4

Step 5



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Step 6: After clicking on the Product Registration tab by default you will be on the Left

Navigation Tab eFTS. Click Left Navigation tab eIDcompare.

Step 7: Once the eIDcompare window is displayed, click Register Now

Step 6

Step 7



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Step 8: Review and electronically sign the eIDcompare Agreement by completing the following

sub steps:

Read through the agreement

Scroll down and check the seven “I Agree” boxes (located at sections 5, 7.3, 8, 9.3, 11.3,

13, and 14.)

Complete the Name and Date information. (Follow exact instructions to prevent errors

when submitting the form)

Enter “I Agree” in the provided field

Click the I Agree button.

Check this box

Your Company Name, Client Address (if provided),

and Signer’s Name will appear here.

*** Important ***



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Step 9: Once the ‘I Agree’ button is clicked the eIDcompare registration completion screen

appears.



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Giving ePort Users Access to eIDcompare

The ePort Company Administrator is automatically given access to eIDcompare. Before the

company end users can use eIDcompare, the Company Administrator must add the End User to

the User Group.

For instructions on how to add ePort Users, refer to the ePort Admin Guide Help Section ‘How

to Use eCredit Information’ Guide.

Using the eIDcompare Product

If you are not already logged in to ePort, do so by going to: https://www.eport.equifax.com .

Enter your Company ID, User ID, and Password then click Login to access the application.

https://www.eport.equifax.com/



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Once you have logged in to the ePort application, click eIDcompare under the Quick Links

section.

Note

Company Administrator must have successfully set up the access to the eIDcompare product for

each appropriate company end user before you can use the application; otherwise, the end user

will receive the message below.



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After clicking the eIDcompare Quick Link the eIDcompare Inquiry screen will be displayed.



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Submitting an eIDcompare inquiry

To submit an eIDcompare inquiry, select the desired ID Verification Level setting from the ID

Verification Level drop down menu. The following three setting options are available: Highly

Sensitive, Sensitive and Regular.

The sensitivity feature allows each client to select the option which works best for their business

needs with regards to managing transactional risk.

Verification Levels:

Highly Sensitive Risk – Typically used when the relative transactional cost versus risk is

considered to be high.

Sensitive Risk – Typically used when the relative transactional cost versus risk is considered to

be moderate.

Regular Risk – Typically used when the relative transactional cost versus risk is considered to

be low.

Most routine transactions do not warrant the use of the Highly Sensitive setting. The more

sensitive the setting, the pass rate will be lower and the false positive rate will be higher. Refer

to Addendum A and Addendum B sections of this guide for specific decision criteria used for

each ID Verification Level.

If not already selected, make sure that Product Configuration is selected for eIDcompare.



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Complete the personal information fields:

Required Fields Optional Fields

First Name Middle Name

Last Name Suffix

SSN

Date of Birth

Phone Number

Note

Entering optional fields is not mandatory, however, it is highly recommended that the user enter

as much additional information as possible for the customer; this will help to ensure the returned

results are specific to the desired customer.



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When completing the ‘Current Address Information” section, keep in mind that all address

fields are required.

Street Address

City

State

Zip

Address Length check box

Note

If the ‘No’ check box is checked for ‘Current Address Information’, you will be prompted to

provide the consumers former address.

Enter the Driver’s License Information and verify the information is correct before clicking the

Authenticate button. Keep in mind that none of the Driver’s License Information fields are

required; however, it is strongly recommended to enter as much information as possible for the

customer.



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eIDcompare Report Output

After the Authentication process has been completed, the eIDcompare transaction results will be

displayed.

For your convenience the transaction results are divided into the following two sections:

Applicant Details

Report Results

Applicant Details

The Applicant details section will contain the information that was entered on the eIDcompare

Inquiry screen.



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Report Results

The report results section contains the following fields:

Assessment Results

Overall Score

Transaction ID

Fraud Indicator

Match Assessment

Reason Codes

Transaction Status

Assessment Results

The Assessment Results field provides a recommendation on whether or not a manual review

should be conducted. Either Pass or Review Recommended will be displayed. This is a key

field used to determine whether or not to accept the identity or perform further steps to confirm

the identity.

Review Recommended – manual review of the consumer transaction recommended.

Pass – consumer transaction passed eID assessment



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Overall Score

The Overall Score field contains the statistically derived Fraud Index Score which indicates the

degree to which the identity could be associated with fraudulent activity. A score of 8 indicates

there is no indication the ID information submitted is associated with fraudulent activity. A score

of 0 indicates there is a high degree of suspicion that the ID information submitted is associated

with fraudulent activity.

Note

A score of 8 does not mean that the ID is a valid ID; it simply means the information provided

could not be associated with possible fraudulent activity.

Transaction ID

This field contains the unique eIDcompare trace number which is used only for Equifax support

purposes.

Fraud Indicator

The Fraud Indicator field indicates the likelihood of a consumer being associated with fraudulent

activity. Results include:

W – Warning Address related and telephone potential fraud warnings were found (for example,

applicant’s address belongs to a US Postal Office street address or mail receiving

service).

Multiple validation attempts are being conducted using the same address, and the

consumer’s address cannot be validated on any trusted third party data sources.

V – Victim of Fraud

Potential fraud in connection with the applicant’s Social Security Number (A

warning code will be returned).

Applicant’s information may be tied to True Name Fraud or a Fraud Victim.

Applicant’s address matches an address in the Equifax Authentication Services

(EAS) Hot Address database.

Multiple fraud warnings are detected in connection with a consumer record.

Multiple authentication attempts are being made by the same consumer.

B – Both “Warning’ and ‘Victim of fraud’



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Match Assessment

This information indicates the data sources used to validate the applicants identity and can be

used in combination with the other returned results to help you decide whether further review is

necessary based on your company’s risk threshold.

The following Match Assessment values are possible:

Value Match Assessment

0 Name and address cannot be verified on any data source.

A Name and address verified on all data sources.

B Name and address verified on primary and secondary data sources.

C Name and address verified on primary and tertiary data sources.

E Name and address verified on primary data source.

F Name and address verified on secondary data source.

G Name and address verified on tertiary data source.

Reason Codes

The “Reason Code” (RC) field indicates any processing errors encountered during the

transaction. The codes can be used in combination with the other returned results to help you

decide whether further review is necessary based on your company’s risk threshold. (Refer to

Addendum B for additional information).



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Transaction Status

This field indicates the degree to which transaction was successfully processed. The following

transaction status values are possible:

F – Failed due to standard field check edits (i.e. required field not populated. To correct,

input data and re-submit)

N – Transaction successfully completed.

S – Transaction completed with primary Data Source unavailable – Retry later or manual

review recommended.

X – System error. Please try again.

Using the Results

Most clients will accept the transaction for further downstream processing when the Assessment

Recommendation returned is ‘PASS’.

Depending on the business need, some clients may additionally establish internal policies to also

look for existence of certain Reason codes and/or Fraud Index Score values prior to accepting the

eIDcompare Assessment Recommendation outright.

When the Assessment Recommendation returned is REVIEW RECOMMENDED, most clients

will take additional manual review steps to attempt to ascertain whether or not to accept the ID

for further downstream processing. Again, depending on the business need, clients establish

their own unique internal policies/procedures for handling these REVIEW RECOMMENDED

transactions.

As with any ID Fraud process, the cost to the business increases exponentially as you move

closer to capturing 100% of the fraud. These costs include:

1. The cost to manually process larger volumes of transactions.

2. The loss of good/valid customers who were lost due to the more stringent process:

Either through abandonment due to a laborious interrogation process.

Inadvertently turned away because they exceeded a too conservative of a risk

threshold.



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The Key is to determine the right cost/benefit decision balance to capture enough true fraud

captures versus the percentage of manual reviews (i.e. false positives) incurred. eIDcompare is a

very effective tool in assisting clients in this decision. However, each client must ultimately

determine where their risk threshold lies for their particular business needs.

Based on the Risk Sensitivity option chosen, please refer to the About the eIDcompare Product

section in this guide if additional assistance is needed regarding the result percentages excerpt.



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Addendum A - Risk Logic

Highly Sensitive Risk Logic

This logic is typically used when the relative transactional cost versus risk is considered to be

high.

Includes Sensitive Risk Logic plus:

Flags for further review all transactions which have any Fraud Indicator present (adds in

the ‘W’ warning).

Flags for further review all transactions which have a match assessment of ‘0’ without

checking reason codes.

Flags for further review all transactions which have any of the eID high risk reason

codes.

Flags for further review all transactions which have a statistical score less than ‘4’.

Any transaction having a reason code below will be flagged for further review:

Reason Codes

11 12 16 17 22 23 36 41 85 86 87

88 90 91 92 93 95 96 97 98 99 FH



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Any transaction containing a combination of the following reason codes will be flagged for

further review:

RC Reason Code Verbiage Reason Code Definition

14 Elevated use of Address by

different individuals detected.

Same Address has been used 3-5 times by

individuals with Different Last Names at the

same customer site.

44 Last Name not validated Last Name has not been validated against a data

source


different individuals detected


individuals with Different or Blank Social

Security Number at the same customer site.

47 Social Security Number not

validated

Social Security Number has not been validated

against a data source.

39

Inquiry Address does not match to

primary data source. In cases of

California addresses, it

accommodates compliance with

California Law AB 6555.

While an identity can be located, the address

provided by the applicant did not match any

address appearing within the primary data

source. This is to accommodate compliance with


60 Identity not located or poor match

on tertiary data source

Tertiary database was unable to find a suitable

match to the consumer-supplied information.


on secondary data source

Secondary data source was unable to find a

suitable match to the consumer supplied

information.



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Sensitive Risk Logic


moderate. Includes Normal Risk Logic plus:

Flags for further review all transactions which have Fraud Indicator of either V (Victim) or

B (Both victim and warning).

Flags for further review all transactions which have any of the eID medium risk reason

codes.

Regular Risk Logic


low.

Flags for further review all transactions which result in a Pure No Hit from all three data

sources using reason codes.

Flags for further review all transactions which have match assessment (MA) equal to 0 and

reason code 36 percent (in other words, the address cannot be validated on any source).

Flags for further review all consumers which have a statistical score less than 3.

Any transaction having a reason code in column A below and one or more of the reason codes in

column B will be flagged for further review.

Business Rule A B

Reason Codes (RC)

10, 11, 13, 14, 16, 17 36, 41

10, 11, 13 85, 86, 87, 88, 89, 90, 91, 93, 98, 99

14, 16, 17 87, 88, 89, 91,93 ,98, 99

23 47, 49, 87, 92

36, 41 87, 88, 89, 91, 93, 98, 99

FH N/A



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This Page intentionally left blank



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Addendum B - Table of All Possible Reason Codes

The table below contains a complete list of eIDcompare reason codes and descriptions.


00 Invalid Message Invalid Message

01

Failed Standard Field Checks Failed Standard Field Check(s) for

required/optional and improperly formatted

input fields

02 Driver's License Format does not

correspond to State of Issue

Failed Driver’s License Verification because

DL format is invalid for the DL state of issue

04

Age does not meet verification

criteria

Failed Age Verification due to age (calculated

from date of birth) less than the customer

specified minimum age or greater than the

specified minimum age or greater than the

customer specified maximum age

05 Address Standardization Warning

Present for Current Address

Non-critical Address Standardization error

code returned for Current Address. The

address provided will still be considered

usable as presented.

06

Address Standardization Error

Present for Current Address

Failed Address Verification due to error code

returned Address Standardization indicating

that Current Address could not be

standardized. The address is not considered

usable as presented.

07 Pattern Recognition Match Found Pattern Recognition fails due to number of

session attempts > 2 for Same Customer

08 Area Code does not correspond to

State on the Current Address

Failed Area Code Verification because Area

Code is invalid for the state on the Current

Address



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11 Moderate use of address by





13

High use of Address by different

individuals detected

Same Address has been used greater than 10

times by individuals with Different or Blank

Social Security Number at the same customer

site.

14

Elevated use of Address by




same customer site.

16

Moderate use of address by




same customer site.

17

High use of Address by different

individuals detected

Same Address has been used greater than 10

times by individuals with Different Last

Names at the same customer site.

22 Match on the "hot address"

database

Address has been associated with reported

fraud activity.

23 Social Security Number issued

prior to date of birth

Social Security Number was issued prior to

the date of birth entered on the application.

25 Warning: Inquiry address is a

storage facility

Warning: Inquiry address is a storage facility.

Thorough verification suggested.



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26 Warning: Inquiry Address is a

check cashing facility

Warning: Inquiry Address is a check cashing

facility. Thorough verification suggested.

28

Warning: Inquiry address is a

U.S. post office street address

Warning: Inquiry Address is a US post office

street address. Thorough verification

suggested.


campground

Warning: Inquiry address is a campground.



hotel/motel

Warning: Inquiry address is a hotel/motel.



mail receiving service

Warning: Inquiry address is a mail receiving

service. Thorough verification suggested.

33

Fraud Victim Warning

present/Information has been

blocked due to identity theft

Consumer has been a victim of fraud and

online Identity Verification process is stopped

to protect consumer. This is to accommodate

compliance with the California Law AB 6555,

(introduced 2002).

34

Address Standardization Warning

Present for Former Address


code returned for Former Address. The

address provided will still be considered

usable by the authentication system.

35


Present for Former Address


returned from Address Standardization

indicating that the Former Address could not

be standardized. The address is not

considered usable as presented.



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36 Address Not Verified The consumer-supplied address did not match

a verified address on any data source.

37

Address Standardization Warning

Present for Drivers License

Address


code returned for Drivers License Address.

The address provided will still be considered

usable by the authentication system.

38


Present for Drivers License

Address


returned from Address Standardization

indicating that the Driver’s license Address

could not be standardized. The address is not

considered usable as presented.

39

Inquiry Address does not match to

primary data source. In cases of

California addresses, it

accommodates compliance with


While an identity can be located, the address

provided by the applicant did not match any

address appearing within the primary data

source. This is to accommodate compliance

with California Law AB 6555.

41

Consumer-supplied address cannot

be verified

The address provided by the consumer could

not be verified versus any confirming data

source

42

Primary data source not available The primary data source could not be

accessed doe several possible reasons,

including access errors and improper

connections.

43 First Name not validated First Name has not been validated against a

data source.

44 Last Name not validated Last Name has not been validated against a

data source



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45

No identity located/or poor match

on primary data source

The primary data source was unable to find a

suitable match to the consumer-supplied

information.

47 Social Security Number not

validated

Social Security Number has not been

validated against a data source.

48 Identity located on primary data

source - Good match

Primary data source match to the consumer-

supplied information was good.

49 Date of Birth not validated Date of Birth has not been validated against a

data source.

51 Identity located on a primary data

source - Adequate match


supplied information was good.

53 Consumer requested security

freeze - information not available

on primary data source

Consumer requested security freeze -

information not available on primary data

source.

54 Identity located on primary data

source - Possible match


supplied information was fair.

57

Tertiary database unavailable Tertiary database could not be accessed for

several possible reasons, including access

errors and improper connections.


on tertiary data source

Tertiary database was unable to find a suitable

match to the consumer-supplied information.

63

Identity located on tertiary data


Tertiary data source match to the consumer-

supplied information was excellent or very

good.



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64 Phone number not validated Phone number has not been validated against

a data source.

66

Identity located or poor match on

tertiary data source - Adequate

match

Tertiary database was unable find a suitable

match to the consumer-supplied information

69 Identity located on tertiary data


Tertiary database match to the consumer-


72

Secondary data source unavailable Secondary data source could not be accessed

for several possible reasons, including access

errors and improper connections.

75

Identity not located or poor match

on secondary data source

Secondary data source was unable to find a

suitable match to the consumer supplied

information.

78

Identity located on secondary data

source - Good match

Secondary data source match to the consumer-

supplied information was excellent or very

good.

81 Identity located on secondary data

source - Adequate match


supplied information was good

82 Driver's License number not

validated

Driver's license number has not been validated

against a data source.

84 Identity located on secondary data






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85

WARNING: Social Security

Number has never been issued by

the Social Security Administration

Social Security Number invalid because the

number has not been issued by the Social

Security Administration

86


Number has been reported

misused. Thorough verification

suggested

The Social Security Number has been

reported in connection with suspicious or

fraud activity

87

WARNING: Inquiry address has

been associated with more than

one name or Social Security

Number. Thorough verification

suggested

The exact address was used with different

name(s) or Social Security Number(s) on

multiple applications within a short period of

time. Note 0 this warning will not appear

when different family members apply for

credit from the same address

90


Number is issued to a person who

has been reported deceased

Social Security Number invalid because the

person to whom it was assigned has been

reported deceased. SSNs are never re-

assigned.

91

WARNING: Inquiry address is a

telephone answering service.


The address belongs to a telephone answering

service

92


Number issued by the Social

Security Administration within the

last five years

Social Security Number has been issued

within the past five (5) years

93

WARNING: Inquiry address is a

state/federal prison or detention

facility. Thorough verification

suggested

The address is the same as an adult or juvenile

state or federal prison or detention facility



Page | 39


94 Your inquiry did not result in any

phone, address or SSN warnings

There were no warnings present in the

Potential Fraud database

95 WARNING: Telephone number

has been reported misused

The telephone number has been reportedly

been used in known or suspected fraud cases

96

WARNING: Telephone number is

a telephone drop number

The telephone number is a telephone booth or

non-residential telephone numbers (i.e.

hotel/motel phone number, etc.

97 Fraud Warning Data source is

unavailable The Potential Fraud database is not available

98


been reported misused. Thorough

verification suggested.

The address has reported been used in known

or suspected fraud cases and is not a mail drop

or a prison address

99

WARNING: Possible true name

fraud. Thorough verification

suggested.

Criteria has been met indicating that a

person's identity and personal information is

possibly being used by another person

AA

WARNING: Possible Individual

Taxpayer Identification Number

(ITIN). Thorough verification

suggested. Note: Released in 2005

Possible Individual Taxpayer Identification

Number (ITIN). Thorough verification

suggested. ITINs are issued by the IRS to

resident and non-resident aliens who are not

eligible to obtain a Social Security number

form the Social Security Administration.

Note: Released in 2005

96

WARNING: Telephone number is

a telephone drop number

The telephone number is a telephone booth or

non-residential telephone numbers (i.e.

hotel/motel phone number, etc.



Page | 40


97 Fraud Warning Data source is

unavailable The Potential Fraud database is not available

98


been reported misused. Thorough

verification suggested.

The address has reported been used in know

or suspected fraud cases and is not a mail drop

or a prison address

99

WARNING: Possible true name

fraud. Thorough verification

suggested.

Criteria has been met indicating that a

person's identity and personal information is

possibly being used by another person

AA

WARNING: Possible Individual

Taxpayer Identification Number

(ITIN). Thorough verification

suggested. Note: Released in 2005

Possible Individual Taxpayer Identification

Number (ITIN). Thorough verification

suggested. ITINs are issued by the IRS to

resident and non-resident aliens who are not

eligible to obtain a Social Security number

form the Social Security Administration.

Note: Released in 2005

FV

Fraud Victim "Temporary Fraud

Alert." Manual review strongly

advised.

Consumer suspects or believes he/she has

been a victim of fraud and online Identity

Verification process can be stopped to protect

the consumer. This alert is active for 90 days.

FX

Fraud Victim "Long Term Fraud

Alert." Manual review strongly

advised.

Consumer has been a victim of fraud and

online Identity Verification process can be

stopped to protect the consumer. This alert is

active for 7 years.

T0 Area code does not correspond to

input phone number exchange

Area code does not correspond to input Phone

number exchange.

T1 Inquiry phone number is a land

line Inquiry Telephone Number is a Land Line.



Page | 41


T2 Inquiry phone number is a paging

service

Inquiry Telephone Number is a Paging

Service.

T3 Inquiry phone number is a mobile

radio service

Inquiry Telephone Number is a Mobile Radio

Service.

T4 Inquiry phone number is a mobile

radio service

Inquiry Telephone Number is a Mobile Radio

Service.

T5 Inquiry phone number cannot be

classified.

Inquiry Telephone Number cannot be

classified.

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