CONSUMER INFORMATION SOLUTIONS

Identity Scan

Quickly identify suspicious activity to reduce fraud losses

Businesses are challenged with detecting ever more prevalent identity theft as well as more sophisticatedapplication fraud. You need a comprehensive solution that begins with quickly identifying suspiciousinformation and known fraud. Identity Scan is the first step in identifying fraudulent activity such as fraudvictim alerts, misused Social Security numbers, hot addresses, and suspicious phone numbers.

Equifax fraud screening solutions leverage more than a dozen up-to-date public and proprietary databasesources to effectively detect potential identity theft and application fraud. Effective screening is the criticalfirst step in leveraging the Equifax fraud suite to further interrogate and identify suspicious activity.

Identity Scan features and benefits

» Catch identity theft and applicationfraud early in the process

» Automate your fraud management andregulatory compliance processes

» Leverage industry leading data,analytics and technology for complete fraud protection

KEY BENEFITS

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FEATURE BENEFIT

• Industry-leading databases for identifyingattempted application fraud and identity theft

• Detailed alerts to enable further investigation of an identity

• Detailed tracking reports

• Identity Scan forms part of a completeapplication fraud solution, beginning with fraud screening and continuing through toidentity authentication

• Leverage over a dozen public and proprietarydatabases for catching potentially fraudulentactivity early in the application process

• Enables tracking of suspicious applicationtrends for fraud management and regulatorycompliance

• Facilitates compliance with USA PATRIOT ActRed Flag

Identity Scan Warning Codes

Fraud and Active Duty AlertsSSN Reported Misused

Address Reported MisusedAddress is a Nonresidential

Hot Addresses

Commercial PhoneSSN Reported Deceased

SSN Invalid

Contact Us TodayFor more information about Equifax Identity Scan, visit www.equifax.com/consumer/fraudor call 1-888-213-5301.

Identity Scan alertsCode Alert Possible reasons

L Fraud victim alert present in database Consumer has a fraud victim alert present on file.

N Active duty alert present in database Consumer has an active duty alert present on file.

Q Inquiry SSN reported as deceased and last name does notmatch

Inquiry last name does not match the last name reported as deceased by the Social SecurityAdministration.

I Inquiry SSN associated with person reported as deceased The Social Security Administration reports that death benefits are being paid or have beenpaid on the inquiry SSN.

4 Inquiry SSN may be a tax ID number Consumer may be trying to use an individual tax ID number (ITIN) to establish credit.

9 Inquiry SSN is invalid • Inquiry SSN falls into ranges indicated as invalid by the Social Security Administration.• Inquiry SSN is formatted as a four digit SSN search.

A Inquiry SSN has never been issued or was issued after June2011

• The Social Security Administration has not issued the inquiry SSN as of the inquiry date.• Consumer is using a Canadian Social Insurance Number.• Consumer is trying to create a new identity.• Consumer has a SSN issued after implementation of SSN randomization in June 2011.

M Inquiry SSN issued recently • Consumer is using a minor’s SSN.• Consumer is a new US citizen.

O Inquiry SSN issued prior to inquiry date of birth Inquiry date of birth is younger than the SSN issue date.

B Inquiry SSN reported as misused Inquiry SSN has been reported in connection with suspicious or fraudulent activity.

X Inquiry address associated with reported fraud Inquiry address has been reported as used to perpetrate fraud.

P Inquiry address is listed as a correctional institution address • One of inquiry addresses is listed as a correctional institution. Consumer may beincarcerated.

• Consumer is employed by a correctional institution and is using a business address.

R Inquiry address is not associated with this consumer name Inquiry address is not associated with the inquiry name in Equifax databases.

Z Inquiry address is listed as a mail receiving service Inquiry address is listed as a mail receiving service.

J Inquiry address is listed as a hotel/motel Inquiry address is listed as a hotel/motel.

H Inquiry address is listed as a campground Inquiry address is listed as a campground.

G Inquiry address is listed as a U.S. Post Office street address • Consumer is renting Post Office box and provided the street address.• Consumer has no home or business address.

W Inquiry address is listed as a non-residential address Inquiry address is listed as a business such as a check cashing facility, a telephoneanswering service, or a storage facility.

1 Inquiry address is listed as a multi-dwelling unit Address standardization has identified the inquiry address as a multi-family dwelling unit.

2 Inquiry address has been reported as misused Inquiry address has been reported as used to commit fraud.

C Inquiry address associated with more than one name or SSN • Inquiry address has been used to commit fraud.• Consumer is using a nickname.• Consumers with multiple surnames reside at the address.

D Inquiry address unverifiable Inquiry address could not be standardized using address standardization software. Theaddress may not exist, or insufficient information was provided to resolve to a unique locationinstead of multiple matches.

Y Inquiry telephone number listed as a commercial phone Inquiry telephone listed as a commercial number.

5 Inquiry telephone number may belong to a mobile phone Inquiry telephone identified as existing within a mobile phone number range.

7 Unable to perform SSN validation due to insufficient SSN input Inquiry SSN is incomplete, or is not a valid format.

8 Unable to perform telephone validation due to insufficienttelephone input

Inquiry telephone number is incomplete, or is not a valid format.

S Identity Scan did not detect any alerts Identity Scan checks were performed, and no alerts were detected.

0 Incomplete scan - limited data sources available One or more Identity Scan sources were unavailable. Accordingly, one or more checks couldnot be performed.

Notes: Address alerts may result from any of the inquiry addresses, not just the most current. Inaccurate or incomplete operator input may result in alerts. Receiving an alert does not, without more information orevidence, necessarily mean the applicant is committing fraudulent activity. It does, however, indicate the information should be verified.

Grow your business and maximize revenue without needlessly slowing down business processes.

You want to make life easy for your legitimate customers, while managing your fraud cost. However, recognizing fraudsters at the point ofapplication is not an easy task. Mitigating risk and meeting regulatory requirements involves multiple challenges:

• Are the claims this person is making accurate?• Do suspicious patterns suggest this application may be attempted fraud?• Is this a real person? • Is this person who they claim to be? • Is the identity stolen?

Now you can effectively identify fraud more easily with Equifax’s suite of fraud prevention solutions. The Equifax Identity Suite scales to meetyour business needs, and seamlessly integrates into your account opening processes. Equifax offers you insightful data and predictiveanalytics, all delivered through flexible decisioning technology.

The Equifax Identity Suite leverages products such as Identity Scan, Account Verify, SSN Affirm and eID, which can all be tailored to fit yourbusiness needs.

Equifax has extensive experience working across multiple industries to help customers to optimize their fraud prevention approaches. We willwork with you to recommend the right mix of functionality appropriate for your environment and level of risk to prevent fraud and minimizeabandonment.

Equifax data(credit, demographic,

employment

and more)

Client data Third-party data

ID

Component

Screen

Pattern/

Behavioral

Checks

Comprehensive

ID VerificationIdentity Score Authentication

Business Process Management

Fraud Scores and Models

Business Rules Management

Equifax Identity Suite

The Solution:

Smart growth with less fraud

Equifax and eIDverifier are registered trademarks ofEquifax Inc. Inform, Enrich, Empower is a trademark ofEquifax Inc. eIDcompare is a trademark of Equifax Inc.Copyright © 2011, Equifax Inc., Atlanta, Georgia. All rights reserved.

EFS-937-ADV—4/11

Contact Us TodayFor more information about Equifax Identity Scan, visit www.equifax.com/consumer/fraudor call 1-888-213-5301.