Product

Identity Proofing

Identity Proofing streamlines verification checks throughout the customer journey by ensuring the information provided is real, affiliated with the person and can be trusted.
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Combat Fraud with Effective Identity Verification

Identity Proofing makes multiple identity and fraud solutions accessible via a single, streamlined API connection. With Identity Proofing, you can create customized workflows to orchestrate verification checks and step up methods at various points along the customer journey.

Whether you’re trying to onboard new customers or verify that a login event is originating from the account owner, Identity Proofing orchestrates all the checks, fraud scoring, and red flag detection that you need. Our unified solutions improve decision accuracy so that you can say yes to more applicants while reducing friction and risk.

Approve More Customers
Use actionable insights to make data-driven decisions to say yes with improved accuracy.
Upgrade Fraud Mitigation
Easy to adapt, customizable workflows to meet evolving market forces and business needs.
Improve Customer Interactions
Streamline onboarding processes to deliver a seamless customer experience.
Reduce Integration Overhead
Replace point solutions with a streamlined single-API call, to expedite implementation.
 Build Scalable Workflows

Improve efficiency with automation for lower risk activity enabling your fraud team to focus on complex, high-risk events.

Enhance Case Management
Quickly review, escalate and/or resolve directly within the case queue.
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99.9% coverage of Adults in the U.S.

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Up to 97% approval rate

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100+ reason codes available to identify potential fraud

Make Decisions with Differentiated Data

Equifax bridges the gap between traditional identity data and modern digital footprints. The solution set within Identity Proofing confirms identity authenticity by using multi-dimensional data sources including phone number, email, address, SSN, date of birth and mobile device verification. Step up authentication uses advanced biometrics alongside traditional checks to provide robust identity verification. Our platform provides a clear, real-time trust assessment to help you onboard valid customers and defend against sophisticated fraud schemes.
Identity Data is Evaluated
Inputs are reviewed against our proprietary risk assessment model to validate that the information belongs to and is associated with a real person. 
Decision Guidance is Delivered
Blending our risk assessment model, business rules, and biometrics, a recommendation to allow, review or deny is provided.
Step Ups Can be Deployed
Automatically capture more information to verify physical possession, liveness, and physical identity.

A Scalable Fraud Mitigation Model

With Identity Proofing from Equifax, you can consolidate multiple point solutions into a single API to eliminate redundant integrations and accelerate deployment.

The platform has a single user interface and software development kit (SDK), enabling you to turn on or off services as needed. The platform accommodates evolving identity verification and fraud detection needs, saving you from multiple implementations.

Lend with Confidence

Whether it’s a new applicant or long-time customer, Identity Proofing affirms you are interacting with verified consumers and protecting high-value transactions. 

Secure Automotive Transactions

Whether leasing or purchasing, Identity Proofing helps prevent fraud from test drive to title transfer. Verify buyer and seller identities in real time so that you can speed up sales, protect against losses and build consumer confidence.

Streamline Utility Sign-Ups

With instant identity checks, you can streamline onboarding and ensure customers are who they say they are. Using a customizable solution, allows you to prevent fraud, protect customer data, and meet regulatory requirements.

Frequently Asked Questions

Identity Proofing is fully customizable and can include:

  • Identity Verification 
  • Synthetic Identity Checks
  • Step-up Options
  • Watchlist and Adverse Media
  • First-Party Fraud Detection
  • Digital Risk Signals
  • Third-Party Callouts

Identity Proofing offers an integrated portal complete with a dashboard, analytics, and case management tool.

Yes. Identity Proofing looks at account ID, address, email, phone, and SSN to determine application velocities. Velocities can be checked in one minute, five minutes, an hour, one day, seven days or a month.

Yes, CIP and CDD can be covered by the solutions within Identity Proofing.

Passports, driver’s licenses, and other government-issued forms of identification (U.S. State, Temporary and Military IDs) can be verified in all 50 states, five U.S. territories, and multiple international locations.

Related Resources

Product Sheet

Identity Proofing

Learn how Identity Proofing helps you gain a complete view of identity risk through comprehensive and customizable workflows, while enabling streamlined onboarding processes for prospective customers.

Explore Identity Proofing Features

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Equifax is a leading provider of Identity and Fraud solutions

From onboarding to compliance, protect every touchpoint while improving your customer experience.

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