# Identity Fraud Check

### About service

An Identity Fraud Check is a **UK identity verification** and **identity fraud detection** service.

It verifies a customer’s **name**, **date of birth (DOB)**, and **address** against UK authoritative sources. It then screens the same details against **fraud risk databases** to help identify suspicious patterns.

:flag\_gb: Currently, this service is available only for **UK data sources**.

{% hint style="info" %}
[Learn about the Identity Fraud Checks API.](https://app.gitbook.com/s/kAhgmUKSf8CFUFVL3GEe/check-types/identity-fraud-check)
{% endhint %}

### Common use cases

It is particularly relevant for:

* **Account opening and registration (UK KYC)**: Verify identity details before activating an account.
* **Lending and credit applications**: Reduce application fraud before credit decisioning.
* **Change of personal details**: Verify new name, DOB, or address (UK address verification) during profile updates.
* **Account recovery and re-verification**: Re-confirm identity before restoring access or reactivating accounts.

### Analysis performed

The Identity Fraud Check applies a two-layer verification process. It validates both the **authenticity of customer details** and the customer’s **fraud risk profile**.

**Detailed verification checks**

<table><thead><tr><th width="237.5234375">Analysis</th><th>Verifications Performed</th></tr></thead><tbody><tr><td><strong>Identity Verification</strong></td><td><p>Verifies the following customer details against UK authoritative sources:</p><ol><li>Name</li><li>Date of birth (DOB)</li><li>Address</li></ol></td></tr><tr><td><strong>Fraud Database Analysis</strong></td><td>Screens customer details against high-risk data sources such as fraud, police, mortality, and known fake profile databases.</td></tr></tbody></table>

### Check duration

An Identity Fraud Check takes an average of **2 seconds** to complete.

### Related checks

You’ll typically run Identity Fraud Check alongside:

* [Document Check](https://docs.complycube.com/documentation/product-guides/identity-verification/document-check) for ID document verification.
* [Identity Check](https://docs.complycube.com/documentation/product-guides/biometric-and-liveness-verification/identity-check) for biometric liveness verification.
* [Proof of Address Check](https://docs.complycube.com/documentation/product-guides/kyc-automation-services/proof-of-address-check) to verify address evidence.
* [AML Screening Check](https://docs.complycube.com/documentation/product-guides/watchlist-pep-and-adverse-media/aml-screening-check) for sanctions, PEP, and adverse media screening.

### Related topics

Use these to run Identity Fraud Check inside a broader UK onboarding flow:

* [Workflows](https://docs.complycube.com/documentation/product-guides/compliance-studio/workflows) to orchestrate checks into a single customer journey.
* [Policies](https://docs.complycube.com/documentation/product-guides/compliance-studio/policies) to apply consistent decision rules across journeys.
* [Smart Forms](https://docs.complycube.com/documentation/product-guides/compliance-studio/smart-forms) to collect customer details and attestations in the same flow.
* [Advanced Case Management](https://docs.complycube.com/documentation/product-guides/due-diligence-tools/advanced-case-management) to manage exceptions, tasks, and reviewer outcomes.