Intellirent receives credit reports and background checks directly from TransUnion. All information is then delivered to you as an Intellirent client. The credit report data from TransUnion is never manipulated or edited to leave out any data.
Fraud indicators are 'warnings' or 'notices' from TransUnion about the applicant that the person reviewing should be aware of.
These fraud indicators do not necessarily mean that the applicant is involved in fraudulent activity. Instead, they are similar to notes associated with that applicant's related information.
Current address mismatch - input does not match file
The address entered does not match what the bureau has on file. When a consumer changes addresses, it does not immediately get reported to the bureau. The way this is usually updated is when they apply for credit. Additional reasons may be:
- Applicant may be in a temporary residence.
- Applicant may be an employee or resident at the commercial site.
- Applicant may live above or in close proximity to the commercial site.
Suggested actions
- Verify the address through other sources, such as the White Pages, Google Maps, directory assistance, etc.
- Verify other information included in the application:
- Phone number (contact the applicant using the phone number provided)
- Employment
Applicant's prior address has been associated with fraudulent activity
Someone at this address, at some point in time, had reported a credit card as lost or stolen; not necessarily the consumer.
The address submitted has been reported more than once
Generally, this message will appear in conjunction with other fraud indicator messages and will provide a stronger indication of potential fraud.
- Applicant may have been a victim of account takeover.
- A fraud perpetrator may have used some of the input or file information to fraudulently obtain credit.
Suggested actions
- Evaluate other fraud indicator messages; proceed with recommended action provided for those messages.
Input/file address, SSN, or telephone number reported by more than one source
Another consumer/individual has used one of these items to apply for credit.
Generally, this message will appear in conjunction with other fraud indicator messages and will provide a stronger indication of potential fraud.
- Applicant may have been a victim of account takeover.
- A fraud perpetrator may have used some of the input or file information to fraudulently obtain credit.
Suggested actions
- Evaluate other fraud indicator messages; proceed with recommended action provided for those messages.
SSN may be invalid - it was either very recently or never issued by the Social Security Administration
The social security number is new, less than 5 years. The bureau has verified the social security number. If the SSN was not verified, you would not have received the credit report.
The message was generated to assist customers in determining when, where and the age of the consumer to whom the SSN was issued.
- The SSN, if recently issued, may belong to a recent immigrant, foreign national or minor.
Negative estimated age may indicate misuse of an SSN. - TransUnion defines recently issued with the last 7 years.
Suggested actions
- Verify the accuracy of the input SSN.
- Check for a negative number, indicating an SSN was issued before the date of birth.
- Check for recent year issued and year range selected (two, five or ten), which may indicate use of a minor's SSN or an SSN issued late in life.
- Compare the DOB on an application to the estimated age obtained.
- Verify other information on the application:
- Employment
- Address history
Again, Fraud indicators are 'warnings' or 'notices' from TransUnion about the applicant that the person reviewing should be aware of. Agents can use this data side by side with the knowledge that agent's know of the renter.
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