Perform Multi-Bureau Check

Use the API to run multi-bureau identity verification checks across trusted data sources.

Overview

This guide shows you how to run a Multi-Bureau Check using the ComplyCube API.

You can try this check right away using our Demo Postman Collection. It’s publicly accessible and requires no account.

Integration steps

Multi Bureau Check API Guide

1

Create a client

The first step in creating any check is to add a client from your backend server. A client can represent either a person or a company.

For this type of check, a client of type person must be created.

The response will contain an id (the Client ID). It is required for the next step.

Example request for creating a client

cURL

curl -X POST https://api.complycube.com/v1/clients \
     -H 'Authorization: <YOUR_API_KEY>' \
     -H 'Content-Type: application/json' \
     -d '{
           "type": "person",
           "email": "[e-mail]",
           "personDetails": {
                "firstName": "John",
                "lastName": "Doe",
                "dob": "1990-01-01",
                "ssn": "123-45-6789"
            }
        }'

Node.js

const { ComplyCube } = require("@complycube/api");

const complycube = new ComplyCube({ apiKey: "<YOUR_API_KEY>" });

const client = await complycube.client.create({
  type: "person",
  email: "[e-mail]",
  personDetails: {
    firstName: "John",
    lastName: "Doe",
    dob: "1990-01-01",
    ssn: "123456789"
  }
});

Python

from complycube import ComplyCubeClient
cc_api = ComplyCubeClient(api_key='<YOUR_API_KEY>')

new_client = {
    'type':'person',
    'email':'[e-mail]',
    'personDetails': {
        'firstName':'John',
        'lastName':'Doe',
        'dob': '1990-01-01',
        'ssn': '123456789'
    }
}

client = cc_api.clients.create(**new_client)

PHP

use ComplyCube\ComplyCubeClient;

$ccapi = new ComplyCubeClient('<YOUR_API_KEY>');

$result = $ccapi->clients()->create([
    'type' => 'person',
    'email' => '[e-mail]',
    'personDetails' => [
        'firstName' => 'John',
        'lastName' => 'Doe',
        'dob' => '1990-01-01',
        'ssn' => '123456789'
    ]
]);

.NET

using ComplyCube.Net;
using ComplyCube.Net.Resources.Clients;

var clientApi = new ClientApi(new ComplyCubeClient("<YOUR_API_KEY>"));

var newClient = new ClientRequest {
  type = "person",
  email = "[e-mail]",
  personDetails = new PersonDetails {
    firstName = "John",
    lastName = "Doe",
    dob = "1990-01-01",
    ssn = "123456789"
  }
};

var client = await clientApi.CreateAsync(newClient);

Example response

The response will contain an id (the Client ID). It is required for the next step.

{
    "id": "5eb04fcd0f3e360008035eb1",
    "type": "person",
    "email": "[e-mail]",
    "personDetails": {
        "firstName": "John",
        "lastName": "Doe",
        "dob": "1990-01-01",
        "ssn": "123-45-6789"
    },
    "createdAt": "2025-01-04T17:24:29.146Z",
    "updatedAt": "2025-01-04T17:24:29.146Z"
}

2

Create an address

Create an address by providing the Client ID and address details.

The response will contain an id (the Address ID). It is required later.

Example request for creating an address

cURL

curl -X POST https://api.complycube.com/v1/addresses \
     -H 'Authorization: <YOUR_API_KEY>' \
     -H 'Content-Type: application/json' \
     -d '{
            "clientId":"5eb04fcd0f3e360008035eb1",
            "line": "47th Test Avenue 323",
            "city": "Manhattan",
            "postalCode": "10001",
            "state": "NY",
            "country": "US"
        }'

Node.js

const address = await complycube.address.create("5eb04fcd0f3e360008035eb1", {
  line: "47th Test Avenue 323",
  city: "Manhattan",
  postalCode: "10001",
  state: "NY",
  country: "US"
});

Python

new_address = {    
    'line': '47th Test Avenue 323',
    'city': 'Manhattan',
    'postalCode': '10001',
    'state': 'NY',
    'country': 'US'
}

address = cc_api.addresses.create('5eb04fcd0f3e360008035eb1',**new_address)

PHP

$address = $ccapi->address()->create(
    '5eb04fcd0f3e360008035eb1',
    [
        'line' => '47th Test Avenue 323',
        'city' => 'Manhattan',
        'postalCode' => '10001',
        'state' => 'NY',
        'country' => 'US'
    ]
);

.NET

var addressRequest = new AddressRequest {
  clientId = "5eb04fcd0f3e360008035eb1",
  line = "47th Test Avenue 323",
  city = "Manhattan",
  postalCode = "10001",
  state = "NY",
  country = "US"
};

var address = await addressApi.CreateAsync(addressRequest);

Example response

{
    "id": "5ebd40714f23960008c81528",
    "clientId":"5eb04fcd0f3e360008035eb1",
    "line": "47th Test Avenue 323",
    "city": "Manhattan",
    "postalCode": "10001",
    "state": "NY",
    "country": "US",
    "createdAt": "2021-01-04T17:25:21.116Z",
    "updatedAt": "2021-01-04T17:25:21.116Z"
}

3

Create a check

Create a check by providing the Client ID, Address ID, and check type.

The response will contain an id (the Check ID). It is required for the next step.

Example request for creating a check

cURL

curl -X POST https://api.complycube.com/v1/checks \
     -H 'Authorization: <YOUR_API_KEY>' \
     -H 'Content-Type: application/json' \
     -d '{
          "clientId":"5eb04fcd0f3e360008035eb1",
          "addressId":"5ebd40714f23960008c81528",
          "type": "multi_bureau_check"
        }'

Node.js

const check = await complycube.check.create("5eb04fcd0f3e360008035eb1", {
    addressId: "5ebd40714f23960008c81528",
    type: "multi_bureau_check"
});

Python

check = cc_api.checks.create(
    '5eb04fcd0f3e360008035eb1',
    'multi_bureau_check',
    addressId='5ebd40714f23960008c81528'
)

PHP

$result = $ccapi->checks()->create(
    '5eb04fcd0f3e360008035eb1',
    [
        'type' => 'multi_bureau_check',
        'addressId' => '5ebd40714f23960008c81528'
    ]
);

.NET

var checkRequest = new CheckRequest {
  clientId = "5eb04fcd0f3e360008035eb1",
  addressId = "5ebd40714f23960008c81528",
  type = "multi_bureau_check"
};

var check = await checkApi.CreateAsync(checkRequest);

Example response

{
    "id": "65c12a6426d2ab000814037e",
    "entityName": "John Doe",
    "type": "multi_bureau_check",
    "clientId": "5eb04fcd0f3e360008035eb1",
    "addressId": "5ebd40714f23960008c81528",
    "status": "pending",
    "createdAt": "2025-01-04T17:25:21.116Z",
    "updatedAt": "2025-01-04T17:25:21.116Z"
}

4

Retrieve results

ComplyCube will then run the check. You can retrieve its outcome and detailed breakdown via the API, or review the results in the Portal.

If you have set up webhooks, you’ll also receive a notification once the check is complete.

Example request for retrieving the check outcome

cURL

curl -X GET https://api.complycube.com/v1/checks/65c12a6426d2ab000814037e \
     -H 'Authorization: <YOUR_API_KEY>'

Node.js

const check = await complycube.check.get("65c12a6426d2ab000814037e");

Python

check = cc_api.checks.get('65c12a6426d2ab000814037e')

PHP

$check = $ccapi->checks()->get('65c12a6426d2ab000814037e');

.NET

var check = await checkApi.GetAsync("65c12a6426d2ab000814037e");

Example response

{
   "id": "65c12a6426d2ab000814037e",
   "entityName": "John Doe",
   "type": "multi_bureau_check",
   "clientId": "5eb04fcd0f3e360008035eb1",
   "addressId": "5ebd40714f23960008c81528",
   "status": "complete",
   "result": {
      "outcome": "clear",
      "breakdown": {
         "name": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "commercial_database",
                  "country": "US",
                  "hits": 1
               },
               {
                  "status": "clear",
                  "source": "government_authority",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "address": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "government_authority",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "dob": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "commercial_database",
                  "country": "US",
                  "hits": 1
               },
               {
                  "status": "clear",
                  "source": "government_authority",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "idNumber": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "commercial_database",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "additionalChecks": {
            "outcome": "not_processed"
         }
      }
   },
   "createdAt": "2025-01-04T17:25:21.116Z",
   "updatedAt": "2025-01-04T17:25:21.116Z"
}