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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
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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:
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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
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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.
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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
10 Elevated use of Address by
different individuals detected
Same Address has been used 3-5 times by
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
California Law AB 6555.
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.
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.
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Sensitive Risk Logic
This logic is typically used when the relative transactional cost versus risk is considered to be
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
This logic is typically used when the relative transactional cost versus risk is considered to be
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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Addendum B - Table of All Possible Reason Codes
The table below contains a complete list of eIDcompare reason codes and descriptions.
RC Reason Code Verbiage Reason Code Definition
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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RC Reason Code Verbiage Reason Code Definition
10 Elevated use of Address by
different individuals detected
Same Address has been used 3-5 times by
individuals with Different or Blank Social
Security Number at the same customer site.
11 Moderate use of address by
different individuals detected
Same Address has been used 6-10 times by
individuals with Different or Blank Social
Security Number at the same customer site.
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
different individuals detected
Same Address has been used 3-5 times by
individuals with Different Last Names at the
same customer site.
16
Moderate use of address by
different individuals detected
Same Address has been used 6-10 times by
individuals with Different Last Names at the
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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RC Reason Code Verbiage Reason Code Definition
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.
29 Warning: Inquiry address is a
campground
Warning: Inquiry address is a campground.
Thorough verification suggested.
31 Warning: Inquiry address is a
hotel/motel
Warning: Inquiry address is a hotel/motel.
Thorough verification suggested.
32 Warning: Inquiry address is a
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
Non-critical Address Standardization error
code returned for Former Address. The
address provided will still be considered
usable by the authentication system.
35
Address Standardization Error
Present for Former Address
Failed Address Verification due to error code
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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RC Reason Code Verbiage Reason Code Definition
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
Non-critical Address Standardization error
code returned for Drivers License Address.
The address provided will still be considered
usable by the authentication system.
38
Address Standardization Error
Present for Drivers License
Address
Failed Address Verification due to error code
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
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 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
Confidential and Proprietary Information.
Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved
Page | 36
RC Reason Code Verbiage Reason Code Definition
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
Primary data source match to the consumer-
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
Primary data source match to the consumer-
supplied information was fair.
57
Tertiary database unavailable Tertiary database could not be accessed for
several possible reasons, including access
errors and improper connections.
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.
63
Identity located on tertiary data
source - Possible match
Tertiary data source match to the consumer-
supplied information was excellent or very
good.
Confidential and Proprietary Information.
Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved
Page | 37
RC Reason Code Verbiage Reason Code Definition
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
source - Possible match
Tertiary database match to the consumer-
supplied information was fair.
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
Secondary data source match to the consumer-
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
source - Possible match
Secondary data source match to the consumer-
supplied information was fair.
Confidential and Proprietary Information.
Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved
Page | 38
RC Reason Code Verbiage Reason Code Definition
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
WARNING: Social Security
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
WARNING: Social Security
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.
Thorough verification suggested.
The address belongs to a telephone answering
service
92
WARNING: Social Security
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
Confidential and Proprietary Information.
Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved
Page | 39
RC Reason Code Verbiage Reason Code Definition
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
WARNING: Inquiry address has
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.
Confidential and Proprietary Information.
Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved
Page | 40
RC Reason Code Verbiage Reason Code Definition
97 Fraud Warning Data source is
unavailable The Potential Fraud database is not available
98
WARNING: Inquiry address has
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.
Confidential and Proprietary Information.
Copyright 2016, Equifax Inc., Atlanta, Ga. All rights reserved
Page | 41
RC Reason Code Verbiage Reason Code Definition
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.