Identity Reason Codes

When you create or update a customer using Straddle’s API, our system performs an identity verification process. This process returns reason codes that provide insights into the verification results. These codes are crucial for understanding the risk assessment and decision-making process.

Overview

Reason codes are alphanumeric identifiers that explain specific aspects of the identity verification process. They are categorized into different types, each starting with a specific letter:

I: Informational codes
R: Risk indicator codes

Reason codes provide valuable context for the verification decision. Always review these codes to understand why a particular decision was made.

Accessing Reason Codes

You can access the reason codes in the response when creating or retrieving a customer. The codes are located in the identity_details object of the response.

Interpreting Reason Codes

Informational Codes (I)

Informational codes provide context about the verification process and the data used. They don’t necessarily indicate a risk but offer additional insights.

Risk Indicator Codes (R)

Risk indicator codes highlight potential risks or discrepancies in the provided information. These codes are crucial for assessing the overall risk of a customer.

Using Reason Codes in Your Application

When implementing identity verification in your application, you can use these reason codes to:

Provide specific feedback to users about their verification status
Implement custom logic based on certain codes
Flag high-risk applications for manual review

Here’s an example of how you might use reason codes in your application:

Best Practices

When working with identity reason codes, consider the following best practices:

Regularly review and update your handling of reason codes: As Straddle may introduce new codes or modify existing ones, ensure your application can handle new codes gracefully.
Combine multiple codes for a comprehensive risk assessment: Don’t rely on a single code to make decisions. Consider the full picture provided by all returned codes.
Provide clear feedback to users: When possible, use reason codes to give specific instructions to users for resolving verification issues.
Monitor code frequencies: Keep track of which codes appear most often in your verifications. This can help you identify patterns and potential areas for improvement in your onboarding process.
Consult with Straddle: If you’re unsure about the meaning or implication of certain codes, don’t hesitate to reach out to Straddle’s support team for clarification.

Remember, while reason codes are powerful tools for risk assessment, they should be used in conjunction with other fraud prevention measures for the most effective protection against fraudulent activities.

By leveraging these identity reason codes effectively, you can enhance your risk assessment process, improve your user experience, and make more informed decisions about customer verifications.

Reason Codes Documentation

Identity Verification Codes

Code	Description
I1001	Identity not found within Consortium Institutions
I1002	National ID was not provided and Straddle was unable to prefill National ID for the given identity
I1003	National ID was not provided and Straddle was able to prefill National ID for the given identity
I1004	Matched identity onto at least 1 other Consortium Institution
I1005	Matched identity onto at least 4 other Consortium Institutions
I121	Social networks match
I127	Online sources represent a broader digital footprint than just social networks

Code	Description
I140	Email address tagged as positive
I141	Email domain tagged as positive
I142	Phone number tagged as positive
I143	IP Address tagged as positive
I144	Full name tagged as positive
I145	SSN tagged as positive
I146	Device tagged as positive

Code	Description
I202	The input SSN is an ITIN
I203	SSN was first seen in credit header records between 5 to 10 years ago
I204	SSN is first seen in credit header records more than 10 years ago
I205	SSN is found to be inquired once every 2 to 3 months
I206	SSN is found to be inquired once every 3 to 6 months
I207	SSN is found to be inquired once every 6 to 12 months
I208	SSN is found to be inquired less than once a year
I209	Input full name and DOB combination found in property records
I210	Input full name and DOB combination found in education/university records
I211	Input full name and DOB matches a driver’s license record

Account Verification Codes

Code	Description
I301	Account is correlated with the first name
I302	Account is conditionally correlated with the first name
I304	Account is correlated with the last name
I305	Account is conditionally correlated with the last name
I307	Account is correlated with the business name
I308	Account is conditionally correlated with the business name
I310	Account is correlated with the DOB
I311	Account is conditionally correlated with the DOB
I313	Account is correlated with the SSN
I314	Account is conditionally correlated with the SSN
I316	Account is correlated with the address
I317	Account is conditionally correlated with the address
I319	Account is correlated with the phone
I320	Account is conditionally correlated with the phone

Code	Description
I325	SSN derived from ID Graph
I326	DOB derived from ID Graph
I328	Account has been seen in the last 15 days
I329	Account has been seen between 15 and 30 days
I330	Account has been seen between 30 and 45 days
I331	Account has been seen between 45 and 60 days
I332	Account has been seen between 60 and 75 days
I333	Account has been seen between 75 and 90 days
I334	Account has been seen between 90 and 120 days
I335	Account has been seen between 120 and 150 days
I336	Account has been seen between 150 and 180 days
I337	Account has been seen between 180 and 210 days
I338	Account has been seen between 210 and 240 days
I339	Account has been seen between 240 and 270 days
I341	Account has been seen between 270 and 300 days
I342	Account has been seen between 300 and 365 days
I343	Account has been seen between 365 and 730 days
I344	Account has been seen over 730 days ago

Device Verification Codes

Code	Description
I401	Device token previously encountered
I402	Multiple users associated with device
I403	Identity may not be primary device user
I404	Identity associated with primary device owner
I405	Device token previously associated with phone number
I406	Device token previously associated with email address
I407	Device token previously associated with first name
I408	Device token previously associated with last name
I409	Device token not encountered within the past 5 days
I410	Device session is associated with more than 2 phone numbers
I411	Device session is associated with more than 2 emails
I412	Device session is associated with more than 2 first names
I413	Device session is associated with more than 2 last names
I414	Session connected using a proxy
I415	Session IP located more than 100 miles from the address
I416	Session IP originates from within the United States
I417	Session IP originates from outside the United States
I419	Session connected using a residential IP address
I420	Session connected using a commercial IP address
I421	Session connected using a mobile IP address
I423	Device is a physical device
I424	Device type is a desktop or laptop computer
I425	Device type is mobile, tablet, or wearable
I428	Mobile network associated with the device is a non-US carrier

Email Verification Codes

Code	Description
I520	Email risk score represents low risk
I550	Email address is more than 180 days and less than 1 year old
I551	Email address is more than 1 year and less than 2 years old
I553	Email address is more than 2 years old
I554	Exact match between email and first name
I555	Email domain is more than 180 days old
I556	Email address can be resolved to the individual
I557	Email is correlated with the first name
I558	Email is correlated with the last name
I559	Exact match between email and last name
I560	Email domain represents a Fortune 500 company
I561	Email domain represents a US college or university
I562	Email username contains ZIP code of current application
I563	Email domain contains a special use domain (RFC, arpa, example, invalid, local, onion, etc.)
I564	Special characters found in email alias
I565	Email username contains a role-level alias (support, info, admin, etc.)
I566	Email provider is found in public web sources
I567	Email username contains five or more alphabetic sections
I568	Email handle contains a name
I569	Email handle contains input first name
I570	Email handle contains input surname
I571	Email top-level domain represents a non-US country
I572	Email subdomain possibly a typo of a popular email domain
I573	Email top-level domain possibly a typo of a popular TLD
I575	Provided email is a possible filler email
I576	Email handle aligns with the pattern of valid email addresses

Phone Verification Codes

Code	Description
I601	Phone number is a landline
I602	Phone number is a mobile line
I605	Phone number is a premium-rate line
I608	Phone number is commercial or dual-purpose
I609	Phone number is consumer or residential
I610	Phone number is correlated with the address
I611	Phone number is associated with a major US carrier
I614	Phone number has been in service more than 365 days
I616	Phone number is associated with a Mobile Virtual Network Operator
I618	Phone number can be resolved to the individual
I620	Phone risk score represents low risk
I621	Phone is correlated with the first name
I622	Phone is correlated with the last name
I623	Exact match between phone and first name
I624	Exact match between phone and last name
I625	Phone number has never been ported
I626	Phone number was ported at least 60 days ago
I630	Phone subscriber has been correlated with the input phone number for more than 365 days

Code	Description
I631	IP address is provided by a mobile carrier
I632	IP connection is consumer
I633	IP connection is business
I634	Proxy is an educational institution
I635	Proxy is registered to a corporation
I636	IP address originates from the US or US territories
I637	Email address is associated with the input phone number
I638	IP proxy originates from Google or Apple consumer privacy networks
I639	IP address is a consumer privacy network proxy
I640	Phone number might have been mistyped
I641	Presented identity shows high overall correlation in Straddle’s network

Address Verification Codes

Code	Description
I704	Address is multi-unit or high-rise
I705	Address is single unit
I706	Address is an accredited college or university
I707	Address is residential
I708	Address can be resolved to the individual
I709	Address is correlated with the first name
I710	Address is correlated with the last name
I711	Address is confirmed as deliverable
I712	Address is confirmed deliverable by dropping secondary information
I713	Address is confirmed deliverable but was missing secondary information
I714	Address is valid but doesn’t currently receive USPS street delivery
I715	Address is correlated with a past address
I716	Address is a Small Office/Home Office (SOHO)
I718	Exact match between address and first name
I719	Exact match between address and last name
I720	Address risk score represents low risk
I721	Email address is correlated with the input physical address
I722	Email address is partially correlated with the input physical address

Document Verification Codes

Code	Description
I808	Document image resolution is insufficient
I820	Headshot passes integrity checks
I822	First name extracted from document correlates with input name
I823	Last name extracted from document correlates with input name
I824	Address extracted from document correlates with input address
I825	DOB extracted from document correlates with input DOB
I826	Document number extracted from document correlates with input number
I831	Minimum required information extracted from document barcode
I833	Minimum required information extracted from document MRZ
I834	Self-portrait passes liveness checks
I836	Document image correlates with self-portrait
I837	Self-portrait was not considered in decision
I838	Minimum required information extracted from the document
I845	Age meets minimum requirements
I846	Expired document within the grace period specified
I847	Document about to expire within the future grace period
I848	The document is not captured properly
I849	Incorrect ID type selected
I854	The back of the license was not passed; no barcode to extract information
I855	First name matches with a known nickname or alias
I856	Liveness was not determined
I860	Image correlation was not calculated for alert list

General Information Codes

Code	Description
I903	Address was not provided at input
I904	SSN/ITIN was not provided at input
I905	SSN/ITIN provided at input contained only 4 digits
I906	DOB was not provided at input
I907	SSN is issued to a non-US citizen
I908	Address is correlated with a military ZIP code
I909	First name and last name are possibly reversed
I910	Address is correlated with a past address
I911	Address is a PO Box
I912	SSN was randomly issued by the SSA
I913	SSN has not been reported as deceased
I914	Identity has not been reported as deceased
I917	Full name and address can be resolved to the individual but the SSN/ITIN is not
I919	Full name, address, and SSN/ITIN can be resolved to the individual
I920	Emerging identity indicator
I921	Address is an accredited college or university
I922	Mobile number was not provided at input
I923	Email address was not provided at input
I930	Name and DOB match a notable personality or celebrity
I931	First name or last name may refer to a non-person entity
I932	Name and DOB match a notable individual in the sports industry
I933	Multi-party application detected
I975	Non-MLA covered borrower status
I998	Name, SSN, and DOB correlation verified by SSA
I999	Identity decease unverified by SSA

Risk Codes

Code	Description
R1001	Found at least 2 distinct DOBs associated with the given identity
R1002	Found at least 4 distinct first names associated with the given identity
R1003	Found at least 4 distinct last names associated with the given identity
R1004	Found at least 3 distinct phone numbers associated with the given identity
R1005	Found at least 3 distinct emails associated with the given identity
R1006	Found at least 1 application marked as fraudulent associated with the given identity
R1007	Found at least 1 application marked as third-party fraud associated with the given identity
R1008	Found at least 2 applications within 30 days of each other associated with the given identity
R1009	Found at least 2 applications within 90 days of each other associated with the given identity

Code	Description
R1010	Found at least 1 account marked as fraudulent associated with the given identity
R1011	Found at least 1 account marked as suspected third-party fraud associated with the given identity
R1012	Found at least 1 account marked as suspected first-party fraud associated with the given identity
R1013	Found at least 1 account marked as other fraud associated with the given identity
R1014	Found at least 1 account marked as delinquency associated with the given identity
R1015	Found at least 1 closed account associated with the given identity
R1016	Found at least 5 closed accounts associated with the given identity
R1017	Found at least 2 accounts opened within 30 days of each other associated with the given identity
R1018	Found at least 2 accounts opened within 90 days of each other associated with the given identity
R1019	Found at least 2 accounts closed within 30 days of each other associated with the given identity
R1020	Found at least 2 accounts reported as fraud within 30 days of each other associated with the given identity
R1021	Found at least 1 account closed within 30 days from opening associated with the given identity
R1022	Found at least 1 account reported as fraud within 30 days from opening associated with the given identity

Code	Description
R1023	Found at least 1 ACH transaction reported as fraud associated with the given identity
R1024	Found at least 1 ACH transaction reported as suspected third-party fraud associated with the given identity
R1025	Found at least 1 ACH transaction reported as suspected first-party fraud associated with the given identity
R1026	Found at least 1 ACH transaction reported as other fraud associated with the given identity
R1027	Found at least 1 ACH transaction reported as delinquency associated with the given identity
R1028	Found at least 10 returned ACH transactions associated with the given identity
R1029	Found at least 1 returned ACH transaction with return category fraudulent behavior associated with the given identity
R1030	Found at least 1 ACH transaction reported as fraud within 7 days of another associated with the given identity
R1031	Found at least 1 ACH transaction reported as fraud committed within 7 days from account opening associated with the given identity
R1032	Found at least 1 ACH transaction reported as fraud committed within 30 days from account opening associated with the given identity

Code	Description
R110	Alert list email address match
R111	Alert list SSN/ITIN match
R113	Alert list phone number match

Code	Description
R140	Email address tagged as negative
R141	Email domain tagged as negative
R142	Phone number tagged as negative
R143	IP Address tagged as negative
R144	Full name tagged as negative
R145	SSN tagged as negative
R146	Device tagged as negative
R160	Email address tagged as suspect
R161	Email domain tagged as suspect
R162	Phone number tagged as suspect
R163	IP Address tagged as suspect
R164	Full name tagged as suspect
R165	SSN tagged as suspect
R166	Device tagged as suspect

Code	Description
R171	Input mobile number originates from an OFAC sanctioned country
R172	Input email likely originates from an OFAC sanctioned country
R173	Input country or document is from an OFAC sanctioned country
R180	Watchlist search returned at least one hit on OFAC SDN list
R181	Watchlist search returned at least one hit on OFAC Non-SDN lists
R182	Watchlist search returned at least one hit on a sanction list excluding any OFAC hits
R183	Watchlist search returned at least one hit on an enforcement list excluding any OFAC hits
R184	Watchlist search returned at least one hit on a politically exposed person
R185	Watchlist search returned at least one entity with adverse media articles
R186	Global Watchlist sources selected are correlated with the input identifiers
R189	Watchlist search returned at least one entity on any custom watchlist that matched the input

Code	Description
R201	The input SSN is invalid
R202	The input SSN is reported as deceased
R203	Multiple identities associated with input SSN
R204	Entered SSN associated with multiple last names
R205	Entered SSN associated with different name and address
R206	The input SSN was issued prior to the input date-of-birth
R207	SSN/ITIN is associated with multiple DOBs
R208	SSN/ITIN is associated with multiple addresses
R209	No former addresses associated with the SSN
R210	Frequency of SSN in Straddle records is unusually high
R211	SSN seen in frozen credit files
R212	The input last name is not associated with the input SSN
R213	Name does not correlate with the name for the resolved public record individual
R214	SSN/ITIN cannot be resolved to the individual
R215	First name does not match SSN
R216	Unable to verify date-of-birth
R217	SSN was randomly issued by the SSA
R218	The input SSN is not the primary SSN for the input identity
R219	The input SSN is not found in public records
R220	Issue date for the provided SSN could not be resolved
R221	SSN associated with input phone number could not be confirmed
R222	Input SSN could not be confirmed
R223	Input SSN did not match any of the SSNs associated with the input phone number in the last two years
R224	4 or more different SSNs have been found to be inquired against the input phone
R225	4 or more different first names have been found to be inquired against the input SSN
R226	Multiple phones are marked current for the input SSN
R227	SSN is found to be inquired at an unusually high frequency (more than once a month)
R228	Only 1 component of the input DOB matches the best matched entity
R229	Only 2 components of the input DOB matches the best matched entity
R230	SSN was first seen in credit header records within the last 1 year
R231	SSN was first seen in credit header records between 1 to 3 years ago
R232	SSN was first seen in credit header records between 3 to 5 years ago
R233	No SSN found in credit header records for the given full name and DOB
R234	SSNs in credit header data associated with full name and DOB differ from input SSN by 1 digit
R235	Input full name could not be fuzzy-matched with full names associated with SSN in header and inquiry records
R236	Input DOB month does not match any DOB month found on inquiry records
R237	Input SSN is not an exact match to the SSNs associated with the given full name and DOB
R238	SSNs in credit header data associated with full name and DOB differ from input SSN by up to 2 digits
R239	SSNs in credit header data associated with full name and DOB differ from input SSN by up to 3 digits
R240	Input SSN was issued more than 2 years after input birth year

Code	Description
R298	Identity resembles a manipulated synthetic identity
R299	Identity resembles a fabricated synthetic identity

Code	Description
R350	DOB indicates individual is less than 16 or more than 100 years old
R351	DOB indicates COPPA review
R352	DOB indicates an age between 13 and 15
R353	DOB indicates an age between 16 and 17
R355	DOB indicates an improbable age

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Reason Codes

Identity Reason Codes

Overview

Accessing Reason Codes

Interpreting Reason Codes

Informational Codes (I)

Risk Indicator Codes (R)

Using Reason Codes in Your Application

Best Practices

Reason Codes Documentation

Identity Verification Codes

Account Verification Codes

Device Verification Codes

Email Verification Codes

Phone Verification Codes

Address Verification Codes

Document Verification Codes

General Information Codes

Risk Codes

Get Started

Identity

Pay by Bank

Embed

Resources

​Identity Reason Codes

​Overview

​Accessing Reason Codes

​Interpreting Reason Codes

​Informational Codes (I)

​Risk Indicator Codes (R)

​Using Reason Codes in Your Application

​Best Practices

​Reason Codes Documentation

Identity Verification Codes

Account Verification Codes

Device Verification Codes

Email Verification Codes

Phone Verification Codes

Address Verification Codes

Document Verification Codes

General Information Codes

Risk Codes

Identity Reason Codes

Overview

Accessing Reason Codes

Interpreting Reason Codes

Informational Codes (I)

Risk Indicator Codes (R)

Using Reason Codes in Your Application

Best Practices

Reason Codes Documentation