Understand InstantID Reports
The LexisNexis® InstantID® report contains different sections.
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About the InstantID Index
To help you quickly determine if more due diligence is necessary, the InstantID Index summarizes the level of identity verification with a numeric value that ranges from 0 (high risk) through 50 (low risk).
This index is designed to tell if the input data elements can be found together in InstantID records. The index does not indicate how
likely the consumer is to commit identification theft. An index of 0 does not mean that a consumer is bad
; this means that the LexisNexis® Risk Solutions data did not contain similar information to your data.
For example, input data about young people may return an index of 0 because they do not have enough information in LexisNexis Risk Solutions sources to be verified. Also, many data sources do not contain DOB (date of birth) or driver license information. For this reason, this index is not affected if the information cannot be verified; however, DOB and driver license may be provided as risk indicators.
The index is derived from the following sources:
- Risk Analysis
- NAS (name, address, and SSN) verification
- NAP (name, address, and phone number) verification
The following table contains the possible InstantID values.
| Code | Description |
|---|---|
| 0 | Nothing verified |
| 10 | Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist |
| 20 | Minimal verification, critical ID elements not verified or associated with different person(s) |
| 30 | Several ID elements verified |
| 40 | Last name, address and SSN or phone verified; first name, phone or SSN verification failures |
| 50 | Full name, address, phone, SSN verified |
About the Report Summary
InstantID displays potential risk indicators to spotlight data not provided or not verified in the search. It also pinpoints areas of concern.
The level of risk associated with each risk indicator varies based on the other
related comparison results and your organization’s risk tolerance. The Input SSN
is associated with multiple last names
risk
indicator may help you identify if a person is trying to commit identity theft. Or,
the same risk indicator may be generated for a person whose name recently changed
due to marital status. The Potential address discrepancy—the input address may be
a previous address
risk indicator may help you determine that you need to
update a consumer’s information. Or, you may discover someone is trying to commit
identity theft using someone else’s old information.
The report summary contains the following items:
- Up to six potential risk indicators that may be returned to alert you to potential risk, missing input elements that if provided may have affected the results, or the need for additional due diligence
- OFAC (Office of Foreign Assets Control) and Other Watchlists Results that highlight if the input elements matched selected watchlist data. If a match is reported, then a related potential risk indicator is also returned and the index is affected
- The NAP and NAS verifications that provide details that support the InstantID index
- DOB Match Level that provides the confidence level
of the match of the input DOB and the
DOB found for the consumer (0-8)
NAP Summary
The following table contains the possible NAP values.
| Code | Description |
|---|---|
| 0 | Nothing found for input criteria |
| 1 | Input Phone is associated with a different name and address |
| 2 | First name and Last name matched |
| 3 | First name and Address matched |
| 4 | First name and Phone matched |
| 5 | Last name and Address matched |
| 6 | Address and Phone matched |
| 7 | Last name and Phone matched |
| 8 | First name, Last name, and Address matched |
| 9 | First name, Last name, and Phone matched |
| 10 | First name, Address, and Phone matched |
| 11 | Last name, Address, and Phone matched |
| 12 | First name, Last name, Address, and Phone matched |
NAS Summary
The following table contains the possible NAS values.
| Code | Description |
|---|---|
| 0 | Nothing found for input criteria |
| 1 | Input SSN is associated with a different name and address |
| 2 | Input First name and Last Name matched |
| 3 | Input First name and Address matched |
| 4 | Input First name and SSN matched |
| 5 | Input Last name and Address matched |
| 6 | Input Address and SSN matched |
| 7 | Input Last name and SSN matched |
| 8 | Input First name, Last name and Address matched |
| 9 | Input First name, Last name and SSN matched |
| 10 | Input First name, Address, and SSN matched |
| 11 | Input Last name, Address, and SSN matched |
| 12 | Input First name, Last name, Address and SSN matched |
DOB Match Level—Possible Values
The following table contains the possible DOB values for the match level.
| Code | Description |
|---|---|
| 0 | No DOB found or no DOB submitted |
| 1 | Nothing matches |
| 2 | Only Day matches |
| 3 | Only Month matches |
| 4 | Only Day and Month match |
| 5 | Only Day and Year match |
| 6 | Only Year matches |
| 7 | Only Month and Year match |
| 8 | Month, Day, and Year match |
OFAC and Other Watchlists
InstantID indicates if the input elements matched selected watchlist data. If a match is reported, a related potential risk indicator is also returned and the index is affected.InstantID automatically compares your data against the following watchlists to find the following possible matches:
- OFAC
- OFAC Palestinian Legislative Council
- OFAC Enhanced Sanctioned Countries
You can extend this comparison to include other government watchlists. For consumers, you can limit watchlist results by a year of birth range. This option may help to reduce false positives from being reported.
About the Verification Details
InstantID displays a detailed comparison of input elements to LexisNexis Risk Solutions data sources. This comparison includes corrected miskey information. InstantID may correct minor data discrepancies such as a missing apartment number or transposed numbers.
The verification details indicate which input information matched, conflicted, or was not available for matching. InstantID also returns possible alternate data. The following list displays examples of possible alternate data:
- A phone number that is associated with the input name or the input address
- A name or an address that is associated with the input phone number
- Up to three alternate or prior addresses with mail activity dates
- Up to two alternate last names that are associated with the input SSN (Social Security number)
- The SSN date of issuance ranges and state of issuance
The following graphic shows an example of verification details returned in consumer comparison results.
| Input Data | Description |
|---|---|
| 789 Example St 555.555.4311 |
7889 Example St Apt A (555) 555-4321 |
About the Potential Follow-Up Actions
For consumers, InstantID may list actions you can take to complete additional due diligence. Follow-up may include the following actions:
- Request more information. For example, InstantID may suggest that you ask the customer for a utility bill or other documentation showing a physical address location for PO Box addresses.
- Authenticate through LexisNexis® InstantID® Q&A.
- Verify Negative News.
About the Red Flags Rule Report
Delivered with InstantID or LexisNexis® FraudPoint®, the LexisNexis® Red Flags Rule Report provides additional details to help identify suspicious personal identifying information and displays warning codes when red flags risk factors are present.