Systems and methods for synthetic identity detection

A method of generating a synthetic identity code, comprising:

• receiving a synthetic identity data inquiry from a requesting computing system, the synthetic identity data inquiry comprising personally identifiable information (PII) data associated with a user;
• matching the PII data to a plurality of user identities, wherein each of the plurality of user identities is associated with at least a portion of the PII data associated with the user;
• identifying an account status associated with each of one or more accounts associated with the plurality of user identities;
• generating a synthetic identity code based at least in part on a count of the plurality of user identities and the account statuses, the synthetic identity code providing an indication of a likelihood of the user being a synthetic identity;
• and
• transmitting the synthetic identity code to the requesting computer system.

A non-transitory computer-readable medium having instructions stored thereon that, when executed by one or more processors, cause the one or more processors to:

• receive a synthetic identity data inquiry from a requesting computing system, the synthetic identity data inquiry comprising personally identifiable information (PII) data associated with a user;
• match the PII data to a plurality of user identities, wherein each of the plurality of user identities is associated with at least a portion of the PII data associated with the user;
• identify an account status associated with each of one or more accounts associated with the plurality of user identities;
• generate a synthetic identity code based at least in part on a count of the plurality of user identities and the account statuses, the synthetic identity code providing an indication of a likelihood of the user being a synthetic identity;
• and
• transmit the synthetic identity code to the requesting computer system.