Consent-Based Social Security Number Verification (CBSV) is a more exhaustive search than a Social Security and Address History Search.
Consent Based SSN Verification (CBSV) is the superlative methodology to validate Personally Identifiable Information (PII). CBSV matches the applicant Name, Date of Birth, and Social Security Number (SSN) against the official SSA Master File and Death Index. Each CBSV request is returned with an instantaneous “Successful”, “Unsuccessful”, or “Deceased” result.
A CBSV Search…
- Verifies an applicant’s name, Social Security Number (SSN), Date of Birth (DOB, and Death Indicator
- Offers real-time online verification
- Provides accurate date and regulatory compliance
- Gives absolute validation of personal identifiers
The robust CBSV search helps uncover the integrity of a social security number, protects against synthetic name fraud, and exposes Credit Profile Number schemes. The definition of a Credit Profile Number is any 9-digit number that can be used for credit purposes.
SSN Randomization and Other Ramifications
As many of the children issued Social Security Numbers since 1989 come of age and apply for jobs, loans, and colleges, etc., they are finding out their identities have been stolen and their credit has been compromised! In an effort to thwart thieves’ efforts at guessing the numbers, the Social Security Administration has initiated SSN Randomization as of June 25, 2011. Since 1936, the 9-digit number consisted of a 3-digit area number, followed by a 2-digit group number, and ending with a 4-digit serial number. Since 1972, the SSA has issued Social Security cards centrally with the area number reflecting the state, as determined by the zip code in the mailing address of the application. Among other changes, the SSN randomization assignment has eliminated the geographical significance of the first three digits of the SSN, by no longer allocating the area numbers for assignment to individuals in specific states. The purpose is to protect the integrity and extend the longevity of the nine-digit SSN nationwide.
Vigilance and Due-Diligence is Key/Consent-Based SSN Verification
Even with the Randomization process in place, there is no telling how many actual SSN’s have been stolen and are circulating out there. Consent Based SSN Verification (CBSV) is a Social Security Administration service that provides our clients with direct and instant access to the SSA Master File and Death Index verifying Name, SSN, Date of Birth, Gender, and Death Indicator. CBSV ensures 100% accuracy of data elements, regulatory compliance, and protection against synthetic name fraud. CBSV requires signed consent of the Applicant/SSN holder on SSA-89 and can only be used for the specific business purpose designated on the SSA-89. CBSV provides real-time verification and handles large volume requests. Each CBSV request is returned with an instantaneous “Successful”, “Unsuccessful”, or “Deceased” result. The SSA plans to launch Electronic CBSV (eCBSV) which allows E-Signature and it is now available for financial end-user clients. Click here to access Form SSA-89 (12-2020) Authorization for SSA to Release SSN Verification.
Why Choose Alliance Risk Group for your Background Investigations?
The Alliance Risk Group Background Investigation team are FCRA compliance experts. We inspire confidence by providing actionable intelligence, detailed timely communication and on-time performance. Alliance Risk Group is a SHRM Recertification Provider recognized to offer Professional Development Credits (PDCs) for the SHRM-CP® or SHRM-SCP®. Mario Pecoraro is a thought-leader, author of two books and has published many articles and blogs. He is an industry expert who has been featured in national print and broadcast media. Learn more here: https://allianceriskgroup.com/about-2/thought-leadership/