Multi-Bureau Check
Credit bureau and authoritative data checks for KYC identity verification and address verification.
About service
A Multi-Bureau Check is an identity and address verification service commonly used in KYC onboarding workflows.
ComplyCube matches customer details against multiple trusted and authoritative data sources to verify identity attributes and confirm address information.
Our extensive service coverage enables businesses to verify customers across multiple supported countries and trusted data sources. These data sources include:
Credit Agencies
Data provided by credit reference agencies.
Government Authorities
Official records from government authorities such as motor vehicle registries, electoral rolls, land and property registries, court filings, and other authoritative datasets.
Utility Authorities
Data from utility providers, including water, gas, electricity, and other service accounts.
Postal Authorities
Address and identity data provided by national and regional postal authorities.
Telecom Agencies
Data from mobile and landline telecom providers.
Proprietary Databases
Exclusive datasets curated and provided by trusted 3rd partners.
Commercial Databases
Private or commercial datasets where individuals have opted in and consented to share their details for verification purposes.
Consumer Databases
Opt-in consumer data, marketing databases, and other similar data sets.
Other Sources
Data collected from 3rd party providers that combine information from multiple sources into a single record.
Common use cases
Multi-Bureau Checks are typically used for:
No-document identity verification: Validate customer identity without requiring an ID document upload.
Cross-source identity validation: Match customer details against multiple trusted data providers to confirm consistency and accuracy.
Credit bureau identity checks: Perform identity and address verification using credit bureau data where applicable.
Fraud risk reduction: Identify discrepancies across authoritative sources that may indicate synthetic or stolen identities.
How the check works
ComplyCube searches for a bureau record matching the submitted customer details.
It then verifies identity and address attributes across one or more sources.
You can use the results to support customer due diligence (CDD) decisions.
This service includes a 2+2 check variant that verifies at least two identity attributes with two or more separate bureaus. Get in touch with your Account Manager or contact us to enable it.
Analysis performed
ComplyCube verifies key customer details against multiple trusted sources. This improves confidence in the accuracy of identity and address data.
Verifiable attributes include:
Name
Date of birth (DOB)
Address
ID number (e.g. SSN, Social Insurance Number, National Identity Number, or Tax Number)
By default, customer details are considered verified when at least the name and one additional attribute match in a bureau record. This verification can occur in one of the following ways:
Name + DOB match
Name + Address match
Name + ID number match
ComplyCube will attempt to match all attributes if possible: name, address, DOB, and ID number.
Check duration
A Multi-Bureau Check takes under 4 seconds to complete.
Related checks
You’ll typically run Multi-Bureau Check alongside:
Document Check for ID document verification.
Identity Check for liveness and selfie verification.
Proof of Address Check for document-based address verification.
AML Screening Check for sanctions, PEP, and adverse media.
SSN Check for US-specific SSN validation.
Related topics
Use these when configuring Multi-Bureau Checks in a broader onboarding journey:
Workflows to orchestrate Multi-Bureau Check alongside other checks.
Policies to apply consistent decision rules across workflow sessions.
Smart Forms to capture customer information and declarations for compliance.