Synthetic Identity Alerts

Indicator

Availability

Description

Output Field Response

syntheticIdentityRisk

With and Without Credit

Y/N/U: Indicates that a consumer transaction is potentially suspicious for synthetic identity fraud and the customer might want to exercise due diligence.

Y if authorizedUserVelocity, identityDiscrepancy, or identityConfirmationBehavior flags are Y.

dormantIdentity

With and Without Credit

Y/N: Indicates if a previously inactive credit file suddenly shows significant activity.

Y if A previously inactive account is suddenly active. This could be a sign of fraud.

N if The account's activity is normal.

ssnVelocity

With and Without Credit

Y/N: Identifies rapid, successive credit inquiries using slight variations of the same Social Security Number (SSN).

Y if The Social Security Number (SSN) is being used for many credit inquiries in a short time, suggesting it may be stolen.

N if The number of credit inquiries is normal.

elderAbuse

With and Without Credit

Y/N: Detects patterns often associated with the financial exploitation of older adults.

Y if Financial patterns suggest potential exploitation of an older adult.

N if No signs of elder financial abuse were detected.

authorizedUserVelocity

With Credit Only

Y/N/U: Triggers if the combination of newly added and terminated authorized users meets defined high-risk criteria.

Y if combination of the number of authorized users and the number of terminated users meets the defined criteria for the authorizedUserVelocity flag.

identityDiscrepancy

With Credit Only

Y/N/U: Triggers on significant Personally Identifiable Information (PII) mismatches between authorized users and primary account holders.

Y if it meets the defined criteria for the current IdentityDiscrepancy attributes.

The criteria is based on patterns exhibited by synthetic fraudsters and identity mismatches between authorized users and primary account holders.

activeAuthorizedUsers

With Credit Only

0000-9999 or U: A count of active authorized users potentially associated with the consumer.

Numerical integer: Number of authorized users is a count of active authorized users potentially associated the consumer.

terminatedAuthorizedUsers

With Credit Only

0000-9999 or U: A count of terminated users potentially associated with the consumer.

Numerical integer: Number of terminated users is a count of active authorized users potentially associated the consumer

identityConfirmationBehavior

With Credit Only

Y/N/U: Triggers if the identity confirmation/behavior meets the defined criteria for risk, based on analysis of behaviors and identity confirmation attributes.

Y if it meets the defined criteria for the current identityConfirmationBehavior attributes.

The attributes are based on an analysis of behaviors and identity confirmation using a variety of proprietary data sources and industry-specific rules.

sharedSsn

With and Without Credit

Y/N/U: Triggers if the SSN is associated with more than one name on the credit file.

Y if SSN is found associated with more than one person.

Return if full 9 digit SSN available. Take the first record in case multiple records were found.

U if no record found.

verifiedSsn

With and Without Credit

Y/N/U: Triggers if the applicant's name, SSN, and Date of Birth (DOB) match information on the credit file.

Y if SSN is verified.

Return if full 9 digit SSN available. Take the first record in case multiple records were found.

U if no record found.

invalidSsn

With and Without Credit

Y/N/U: Triggers if the SSN provided does not conform to a validly issued SSN format.

Y if the SSN found contains obvious errors.

Return if full 9 digit SSN available. Take the first record in case multiple records were found.

U if no record found.

sharedAddress

With and Without Credit

Y/N/U: Triggers if the address is linked to an unusually high number of other consumers recently.

Y if the address is shared with too many credit consumers in most recent 3 months.

propertyOwner

With and Without Credit

Y/N/U: Triggers if the applicant's name matches the property owner at the provided address.

Y if the name is consistent with the household information in the address.

N if the name is not consistent with the household information in the address.

U if the address is not found to be a consumer owned property.

household

With and Without Credit

Y/N/U: Triggers if the applicant's name is consistent with household information at the address.

Y if the name matches the property owner.

N if the name is not consistent with the household information source.

U if the address is not found in a secondary Equifax data source.

creditInquiryBehavior

With and Without Credit

Y/N/U: Triggers if risky inquiry patterns, particularly those related to credit monitoring checks, are detected.

Y if risky inquiry patterns related to credit monitoring checks are detected.

N if risky inquiry patterns related to credit monitoring checks are not detected.

U if credit monitoring checks are not found.

deathMaster

With and Without Credit

Y/N/U: Indicates the SSN is present on the Social Security Administration (SSA) Death Master File.

Y if the SSN is found in the SSA Death Master file.

N if the SSN is not found in the SSA Death Master file.

U if SSN is not provided in the consumer applicant Personally Identifiable Information (PII) input.