CONSUMER INFORMATION SOLUTIONS
Identity Scan
KEY BENEFITS
» Catch identity theft and application
fraud early in the process
» Automate your fraud management and
Quickly identify suspicious activity to reduce fraud losses
Businesses are challenged with detecting ever more prevalent identity theft as well as more sophisticated
application fraud. You need a comprehensive solution that begins with quickly identifying suspicious
information and known fraud. Identity Scan is the first step in identifying fraudulent activity such as fraud
victim alerts, misused Social Security numbers, hot addresses, and suspicious phone numbers.
regulatory compliance processes
» Leverage industry leading data,
analytics and technology for
complete fraud protection
Equifax fraud screening solutions leverage more than a dozen up-to-date public and proprietary database
sources to effectively detect potential identity theft and application fraud. Effective screening is the critical
first step in leveraging the Equifax fraud suite to further interrogate and identify suspicious activity.
Identity Scan features and benefits
FEATURE
BENEFIT
• Industry-leading databases for identifying
attempted application fraud and identity theft
• Leverage over a dozen public and proprietary
databases for catching potentially fraudulent
activity early in the application process
• Detailed alerts to enable further investigation
of an identity
• Detailed tracking reports
• Identity Scan forms part of a complete
application fraud solution, beginning with
fraud screening and continuing through to
identity authentication
• Enables tracking of suspicious application
trends for fraud management and regulatory
compliance
• Facilitates compliance with USA PATRIOT Act
Red Flag
Identity Scan Warning Codes
Fraud and Active Duty Alerts
SSN Reported Misused
Address Reported Misused
Address is a Nonresidential
Hot Addresses
Commercial Phone
SSN Reported Deceased
SSN Invalid
[over]
Contact Us Today
For more information about Equifax Identity Scan, visit www.equifax.com/consumer/fraud
or call 1-888-213-5301.
Identity Scan alerts
Code 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 not
match
Inquiry last name does not match the last name reported as deceased by the Social Security
Administration.
I
Inquiry SSN associated with person reported as deceased
The Social Security Administration reports that death benefits are being paid or have been
paid 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 June
2011
• 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 be
incarcerated.
• 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 telephone
answering 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. The
address may not exist, or insufficient information was provided to resolve to a unique location
instead 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 insufficient
telephone 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 could
not 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 or
evidence, necessarily mean the applicant is committing fraudulent activity. It does, however, indicate the information should be verified.
Smart growth with less fraud
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 of
application 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 meet
your business needs, and seamlessly integrates into your account opening processes. Equifax offers you insightful data and predictive
analytics, 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 your
business needs.
Equifax has extensive experience working across multiple industries to help customers to optimize their fraud prevention approaches. We will
work with you to recommend the right mix of functionality appropriate for your environment and level of risk to prevent fraud and minimize
abandonment.
The Solution:
Equifax Identity Suite
ID
Component
Screen
Pattern/
Behavioral
Checks
Comprehensive
ID Verification
Identity Score
Authentication
Business Process Management
Fraud Scores and Models
Business Rules Management
Equifax data
(credit, demographic,
employment
and more)
Client data
Third-party data
Contact Us Today
For more information about Equifax Identity Scan, visit www.equifax.com/consumer/fraud
or call 1-888-213-5301.
Equifax and eIDverifier are registered trademarks of
Equifax Inc. Inform, Enrich, Empower is a trademark of
Equifax Inc. eIDcompare is a trademark of Equifax Inc.
Copyright © 2011, Equifax Inc., Atlanta, Georgia.
All rights reserved.
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