Identity Fraud Check

Identity Fraud Check API for KYC fraud detection using identity verification, address checks, and authoritative source analysis.

Run an identity fraud check

To run an Identity Fraud Check, you must create a check with type set to identity_fraud_check.

Learn more about Identity Fraud Checks.

Check request

Attribute	Type	Description
clientId	string	The ID of the client associated with this check. (Required)
type	string	This must be set to identity_fraud_check. (Required)
addressId	string	The ID of the address. (Required)

Example requests

cURL

curl -X POST https://api.complycube.com/v1/checks \
     -H 'Authorization: <YOUR_API_KEY>' \
     -H 'Content-Type: application/json' \
     -d '{
          "clientId":"CLIENT_ID",
          "addressId":"ADDRESS_ID",
          "type": "identity_fraud_check"
        }'

Node.js

const check = await complycube.check.create("CLIENT_ID", {
        addressId: "ADDRESS_ID",
        type: "identity_fraud_check"
});

Python

check = cc_api.check.create(
    'CLIENT_ID', 
    'identity_fraud_check',
    addressId='ADDRESS_ID'
)

PHP

$result = $ccapi->checks()->create('CLIENT_ID',
                                   ['type' => 'identity_fraud_check',
                                   'addressId' => 'ADDRESS_ID']);

.NET

var checkRequest = new CheckRequest {
  clientId = "CLIENT_ID",
  addressId = "ADDRESS_ID",
  type = "identity_fraud_check"
};

var check = await checkApi.CreateAsync(checkRequest);

Result object

The result object is only returned when the status of the check is complete. It has two components - outcome and breakdown.

Outcome

The outcome attribute represents the overall check result. Returned values include:

1. clear: Indicates every analysis type conducted returned a successful result.
2. attention: Indicates at least one of the analysis results requires attention.

Breakdown

The breakdown comprises the following objects:

identityVerification object

The identity verification results. It has the following constituents:

• name: Indicates whether the client's name matches authoritative sources.
• dob: Indicates whether the client's date of birth matches authoritative sources.
• address: Indicates whether the client's address matches authoritative sources.
• telephone: Indicates whether the client's telephone number matches authoritative sources.
• mobile: Indicates whether the client's mobile number matches authoritative sources.
• email: Indicates whether the client's email matches authoritative sources.
• activity: Indicates whether the client's UK activity/footprint are as expected.
• breakdown: This is an array that comprises of objects with the following constituents:

  • field: The attribute verified (e.g. dob).
  • source: The source type that has matched the attribute. Values include:

    • credit_agency
    • government_authority
    • consumer_database
    • utility_authority
    • proprietary_database
    • telecom_agency
    • postal_authority
    • other_source
  • status: A status will have one of the following values:

    • clear: Indicates an attribute fully matched with data held by sources.
    • attention: Indicates an attribute partially matched with data held by sources.

databaseAnalysis object

The database analysis results. It has the following constituents:

• mortality: Indicates a match against mortality/deceased records.
• fraud: Indicates a match against fraud databases.
• fakeProfile: Indicates a match against synthetic or fake identities.
• police: Indicates a match against police records.
• breakdown: This is an array that comprises of objects with the following constituents:

  • field: The dataset screened (e.g. police).
  • sourceDescription: The description of the source (e.g. "Amberhill").
  • status: A status will have one of the following values:

    • clear: Indicates no records held by the source.
    • attention: Indicates matching records held by the source.

Sample Response

{
    "id": "688f1e2e37d2a9000202ad7f",
    "entityName": "John Doe",
    "type": "identity_fraud_check",
    "clientId": "688f1e2e37d2a9000202ad70",
    "addressId": "688f1e2e37d2a9000202ad76",
    "status": "complete",
    "result": {
        "outcome": "clear",
        "breakdown": {
            "identityVerification": {
                "name": "clear",
                "dob": "clear",
                "address": "clear",
                "telephone": "clear",
                "mobile": "clear",
                "email": "clear",
                "activity": "clear",
                "breakdown": [
                    {
                        "status": "clear",
                        "field": "dob",
                        "source": "telecom_agency"
                    }
                ]
            },
            "databaseAnalysis": {
                "mortality": "clear",
                "fraud": "clear",
                "fakeProfile": "clear",
                "police": "clear",
                "breakdown": [
                    {
                        "status": "clear",
                        "field": "police",
                        "sourceDescription": "Amberhill"
                    },
                    {
                        "status": "clear",
                        "field": "fraud",
                        "sourceDescription": "SIRA Checks - Private Sector"
                    }
                ]
            }
        }
    },
    "updatedAt": "2025-01-01T08:30:40.334Z",
    "createdAt": "2025-01-01T08:30:38.527Z"
}