Fraud Shield Indicator Guide
Experian
600 City Parkway West
Orange, CA 92868
800 854 7201
www.experian.com
©Experian Information Solutions, Inc.
All Rights Reserved 1999
1224/1711 07/1999
Fraud Shield Indicator Guide
Fraud Shield Indicator What Does it Mean? Suggested Course of Action Fraud Shield Indicator What Does it Mean? Suggest Course of Action
01 Inquiry/onfile current The address used on the inquiry is Verify input address 11 Inquiry address: The inquiry address is a business Verify consumer’s address
address conflict different than the address Experian Non-residential address Contact consumer using application information
Contact consumer using application information
has as the consumer’s best, most
current address. Use CheckPoint to further verify consumer’s Use CheckPoint to further verify address
information
12 Security statement This consumer has been reported as a Verify consumer
02 Inquiry address first The address used on inquiry was Verify input address present on report fraud victim
Contact consumer and verify they are shopping for
reported <90 days first reported for the consumer credit or service
Contact consumer using application information
within the last 90 days
Use CheckPoint to further verify consumer’s 13 High probability SSN According to File One, the SSN used Verify accuracy of input
information on the application if more closely
belongs to another Look for Fraud Shield indicators 04, 05, 06, 14
associated to another consumer
03 Inquiry current address The inquiry address does not match Verify input address Ask consumer for copy of SSN card
not onfile an address File One has for this Contact consumer to verify address
consumer 14 Inquiry SSN format is The SSN provided is not a valid Verify accuracy of SSN
Use CheckPoint to further verify consumer’s invalid number as reported by the SSA
information Ask consumer for copy of SSN card
04 Inquiry SSN has not The SSN on the inquiry has not Verify applicant SSN 15 Inquiry address: Cautious Fraud has been perpetrated at the Verify consumer’s address
been issued been issued by the Social Security inquiry address
Contact consumer using application information Contact consumer using application information
Administration (SSA)
Use CheckPoint to verify further consumer 16 Onfile address: One of the consumer’s onfile addresses Verify consumer’s address
High Risk is a business address having a potential
05 Inquiry SSN recorded SSA reports death benefits are Verify applicant SSN for fraudulent activity Contact consumer using application information
as deceased being paid on the SSN used on Use CheckPoint to further verify address
Verify survivor of consumer is not using SSN of
inquiry deceased
17 Onfile address: One of the consumer’s onfile addresses Verify consumer’s address
Ask for a copy of another form of identification is a business
Non-residential Contact consumer using application information
(i.e. DL, credit card #)
Use CheckPoint to further verify consumer Use CheckPoint to further verify address
06 Inquiry age younger The age used on the inquiry is Verify consumer’s age 18 Onfile address: Cautious Fraud has been perpetrated at one of Verify consumer’s address
younger than the SSN issue date the consumer’s onfile addresses
than SSN issue date Ask for a copy of the consumer’s SSN card Contact consumer using application information
Possible case of identity theft
19 Current address reported The consumer’s current address on the Verify consumer’s address
07 Credit established Consumer established credit before Verify consumer’s age by new trade only credit report has only been reported by
the age of 18 Contact consumer to verify application
before age 18 Ask for a copy of the consumer’s SSN card the most recently opened trade
Possible identity theft with DOB
20 Current address reported The consumer’s current address has Verify consumer’s address
08 Credit established prior to Consumer’s first trade was opened Verify consumer’s age by trade open <90 days been reported by a trade opened
within the last 90 days Contact consumer to verify application
SSN issue date prior to the SSN issue date Ask consumer for a copy of SSN card Use CheckPoint to further verify address and
New accounts can be an indication of
Ask for a copy of another form of identification identity theft phone number
09 More than 3 inquiries in More than 3 inquiries have been Contact consumer and verify they are shopping for 21 Telephone # inconsistent Telephone number used on inquiry Contact consumer to verify application address
the last 30 days posted to the consumer’s profile credit or service with address doesn’t correlate to the consumer’s
within the last 30 days Use CheckPoint to verify phone number
Use CheckPoint to further verify consumer current address
10 Inquiry address: Inquiry address is a business Verify consumer’s address 22 Drivers license # Drivers license number used on Ask consumer for a copy of driver’s license
High Risk address having a potential for inconsistent with onfile inquiry doesn’t match consumer’s
Contact consumer using application information Verify accuracy of drivers license #
fraudulent activity drivers license number onfile
Use CheckPoint to further verify address Use CheckPoint to further verify license number
