eidverifier on eport - equifax user guide january... · eidverifier on eport - equifax ......

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January 2016

How to Use eIDverifier on ePort

Company Administrator Edition

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 Device 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 at the USA,

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

[email protected]



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Table of Contents

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

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

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

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

About the eIDverifier Product ..................................................................................................5

Basic Functionality ..................................................................................................................5

Non-FCRA Product .................................................................................................................5

Features ...................................................................................................................................6

Benefits ...................................................................................................................................6

Key Identifiers ........................................................................................................................7

Sensitivity Settings ..................................................................................................................7

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

Before You Begin ......................................................................................................................9

Registering for the eIDverifier Product ................................................................................. 10

Giving ePort Users Access to eIDverifier ............................................................................... 16

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

Submitting an eIDverifier inquiry .......................................................................................... 19

Verification Levels .................................................................................................................. 19

eIDverifier Report Output ...................................................................................................... 22

Application Details ................................................................................................................ 23

Report Results ....................................................................................................................... 23

Transaction ID ...................................................................................................................... 23

Assessment Recommendation ............................................................................................... 23

Match Assessment ................................................................................................................. 23

Reason Codes ........................................................................................................................ 24

Transaction Status ................................................................................................................. 24

Overall Score ........................................................................................................................ 24

Using the Results ..................................................................................................................... 25

Addendum A – Risk Logics .................................................................................................... 26

Addendum B – Reason Codes ................................................................................................. 28



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About the eIDverifier Product

Equifax eIDverifier™ is a patented, real-time online identification authentication process which

takes identification verification beyond fraud checks and data matching by asking personal

questions (based on ‘shared secret’ information) that should only be known by the actual

consumer. eIDverifier not only helps customers mitigate risk by providing data about the

existence of an identity and its potential association with fraud, it also provides a way for

customers to associate a person to a confirmed identity with a high degree of confidence.

Consumer-provided details are processed through several reliable sources to validate each

element of consumer information. Results are provided in many degrees of granularity so

customers can tailor their risk strategy to meet a unique business need or simply use one of

Equifax’s pre-configured risk strategies

Basic Functionality

The eIDverifier process accesses multiple sources to identify data that has been reported as

misused or associated with potential fraudulent activity, also determining whether the applicant

is a known victim of fraud, or whether the identity itself has been associated with any fraudulent

activity. Process performs standard field checks and applies address standardization to that

element of consumer-provided information. Using information from the data sources, eIDverifier

provides a personalized interactive query to further assess and authenticate the identity of an

applicant. In addition, eIDverifier uses a transaction pattern recognition algorithm to detect an

applicant’s repeated authentication attempts.

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

is sent to the customer containing reason codes and an overall assessment recommendation of

pass or manual review. The sensitivity of the overall assessment recommendation is based on the

risk strategy configuration chosen by the customer.

Non-FCRA Product

eIDverifier 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 eIDverifier 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

eIDverifier does an upfront validation of the identity before asking questions, so that all

questions are specific to the applicant. It leverages a cascade approach to validating applicant

information against multiple data sources. By using these data sources eIDverifier offers

excellent match rates, even for hard-to-ID populations like underbanked, young adults,

immigrants, and the elderly. eIDverifier include the following features:

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

Detects whether an identity is associated with suspicious attributes.

Provides complete support with experienced implementation/account management teams.

Pattern recognition feature detects repeated attempts to authenticate which might suggest

suspicious activity.

Multiple ID verification sensitivity setting options available.

Robust results output supports your unique business decision logic needs.

Highly predictive Fraud Index Score output is provided.

“Pass” or “Review Recommended” recommendation provided.

In addition to the features listed above, Equifax also provides *optional features to supplement

the eIDverifier product and further enhance processing to meet your unique business needs.

Contact your customer consultant to explore these options.

Benefits

The eIDverifier product offers the following benefits:

Standardizes and reviews applicant provided information to test for data inconsistencies

and irregularities.

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.

Applies a statistical model that generates a fraud index that can be leveraged in the

overall assessment of an applicant.

*Indicates optional features will be provided for an additional fee.



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Key Identifiers

The eIDverifier product uses key consumer identifiers to perform data integrity checks and to

confirm the validity of submitted information. This process is intended to establish a positive

correlation among key components of applicant identity by accessing multiple third-party

databases. Optimum results are achieved when consumers provide all of the following:

Name (First & Last)*

Current Address *

Former Address

Social Security Number

Phone number

Date of birth

Driver’s License Number

Driver’s License State of Issue * Required fields

NOTE

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

supplied typically derive better the results. This is definitely the case for the SSN and Date of

Birth fields.

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:

Highly Sensitive

Sensitive

Regular

The risk decision criteria for each of these settings can be viewed in Addendum A & Addendum

B sections at the end of this guide.

Using the selected sensitivity, eIDverifier 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



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

words, as the sensitivity setting moves form the Regular to Highly Sensitive setting, eIDverifier

will recommend REVIEW RECOMMENDED on a higher percentage of transaction.

The table below illustrated the typical percentage of transactions flagged for “review” versus true

frauds 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%

- Important Disclaimer -

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

client population using eIDverifier. They 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

At the end of the authentication process or at any time a transaction is terminated within the

process a message will be returned. eIDverifier 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 want 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.



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Before You Begin

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

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

ePort Registration

Creation of Company Administration

Creation of ePort users

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) or refer to the How to Register 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 this.

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

in order to use eIDverifier 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.

***Important***

The illustrations, pages, menus, and descriptions in this guide are examples. Depending on your

product, options, configuration, credentials, and role; the application, fields, and menu

appearance might vary from those illustrated or described herein.



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Registering for the eIDverifier Product

If you have not registered for ePort, please refer to the Before You Begin section of this guide.

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

eIDverifier.

Step 1: Log in to ePort

Enter your Company ID, User ID and Password; click Login

Step 1



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Step 2: Once you have successfully logged in to ePort the Permissible Purpose box will appear.

After reading the disclosure, click Submit

NOTE

If choose not to view the Permissible Purpose window each time you log in, check the ‘Agree,

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

Step 3: When the Challenge Question box appears, enter your Challenge Question answer and

click Submit

Company ID: 00000

User ID: User0000 * Your security question will appear here.



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Step 4: Once you have logged in, the Equifax ePort home page will be displayed. To register for

the eIDverifier product click the ‘Administrative’ tab.

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

Management tab. Click the Product Registration tab.



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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 eIDverifier.

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



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

sub steps:

Read through the agreement.

Scroll down and check the seven “I Agree” boxes. (Located at the end of sections 5, 7.3,

8, 9.3, 11.3, 13, and 14.)

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

before submitting the form)

Enter “I Agree” in the provided field

Click the I Agree button.

*** Important ***

Your Company Name, Client Address (if provided), and Signer’s Name will appear here.



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Step 9: Once the ‘I Agree’ button is clicked the eIDverifier completion screen appears.



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Giving ePort Users Access to eIDverifier

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 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 eIDverifier 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 eIDverifier Quick Link the eIDverifier Inquiry screen will be displayed.



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Submitting an eIDverifier inquiry

To submit an eIDverifier 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

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 eIDverifier.



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Complete the Personal Information fields:

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. For example, the following data is strongly

encouraged: SSN and Birthdate

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

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

provide the consumers former address.



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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.

After clicking the ‘Authenticate button, the eIDverifier NON-FRCA Confirmation window

will be displayed. Read each statement and check the corresponding ‘I AGREE” check box

then click the “I Agree” button.



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eIDverifier Report Output

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

displayed.

The transaction results are divided into two sections: Application Details, and Results.



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Application Details

The Application Details section contains the information that was entered on the eIDverifier

report inquiry screen.

Report Results

The results section contains the following fields:

Transaction ID

Fraud Indicator

Assessment Recommendation

Match Assessment

Reason Codes

Transaction Status

Overall Score

Transaction ID

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

purposes.

Assessment Recommendation

This field will either contain PASS or REVIEW RECOMMENDED. This is a key field used to

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

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.



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The following Match Assessment values are possible:

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

D – Name and address verified on primary data source

E – Name and address verified on secondary and tertiary data sources

F – Name and address verified on secondary data source

G – Name and address verified on tertiary data source

Reason Codes

These reason 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.

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. 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.

Overall Score

This 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’s no

indication the ID information submitted is associated with fraudulent activity. A score of 1

indicates there’s high degree of suspicion the ID information submitted is associated with

fraudulent activity.

NOTE

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

not be associated with possible fraudulent activity.



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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 the existence of certain Reason Codes and/or a Fraud Index Score values prior to

accepting the eIDverifier 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:

The cost to manually process larger volumes of transactions

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

1. Either through abandonment due to a laborious interrogation process

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

threshold.

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. eIDverifier 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.

Please refer to the About the eIDverifier Product section in this guide if additional guidance is

needed regarding the result percentages.

Results are based on the Risk Sensitivity option chosen.



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Addendum A – Risk Logics

Highly Sensitive Risk Logic

Typically used when the relative transactional cost versus risk is considered to be high.

Includes Sensitive Risk Logic plus…

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

the W (warning))

Flags for further review all transaction which have 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: FH, 36, 11, 12,

16, 17, 22, 41, 85, 86, 87, 88, 90, 91, 92, 93, 95, 96, 97, 98, 99 or 23.

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

further review:

14 and 44

10 and 47

39, 60 and 75

Sensitive Risk Logic

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



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Regular Risk Logic

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

Reason Codes (RC) 10,11,13 85,86,87,88,89,90,91,93,98,99

Reason Codes (RC) 14,16,17 87,88,89,91,93,98,99

Reason Codes (RC) 23 47,49,87,92

Reason Codes (RC) 36,41 87,88,89,91,93,98,99

Reason Codes (RC) FH N/A



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Addendum B – Reason Codes

Table of All Possible Reason Codes

The table below contains a complete list of eIDverifier 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.

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 with Different or Blank Social

Security Number at the same customer site.



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13 High use of Address by different


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


Same Address have been used 3-5 times by

individuals with Different Last Names at the

same customer site.

16 Moderate use of address by different



individuals with Different Last Names at the

same customer site.

17 High use of Address by different


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.

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.


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


code returned for Former Address. The

address provided will still be considered

usable by the authentication system.



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35

Address Standardization Error

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.

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 Address Standardization Error

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

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

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.



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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.

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


Tertiary data source match to the consumer-

supplied information was excellent or very

good.

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-

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.


source - Adequate match


consumer-supplied information was good

82 Driver's License number not

validated

Driver's license number has not been

validated against a data source.




consumer-supplied information was fair.



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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

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.


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

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



Page | 33


98


reported misused. Thorough

verification suggested.

The address reported has 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.)

97 Fraud Warning Data source is

unavailable The Potential Fraud database is not available

98


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.



Page | 34


T1 Inquiry phone number is a land line Inquiry Telephone Number is a Land Line.

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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