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The Work Number

The Work Number is a proprietary database service operated by Equifax Workforce Solutions that aggregates and disseminates employment and income data submitted by participating employers via regular payroll feeds, enabling credentialed third parties such as lenders, landlords, and government agencies to conduct rapid verifications.^[1]^[2] Launched in 1995 by TALX Corporation to alleviate HR burdens from manual verification requests, the service was acquired by Equifax in 2007 for $1.4 billion, expanding its reach as the largest such repository with data from nearly 4.74 million employers covering over 781 million employee records.^[3]^[4] The platform facilitates automated checks for applications in housing, credit, social services, and pre-employment screening, reducing processing times from days to seconds while relying on employer-submitted details like job titles, tenure, and wages updated per pay period.^[5]^[6] Its scale has positioned it as a cornerstone for risk assessment in financial and governmental decisions, with Equifax promoting it as a secure, direct-source alternative to manual inquiries.^[7] However, The Work Number has drawn scrutiny for functioning as a de facto data broker that commercializes personal payroll information often without explicit individual consent, amplifying privacy vulnerabilities especially given Equifax's history of large-scale breaches.^[8]^[9] Critics highlight risks of data misuse, such as employers accessing historical salary details to suppress wage offers or detect unreported secondary jobs, alongside documented cases of inaccuracies that have denied individuals loans, rentals, or benefits.^[10] A 2024 class action lawsuit alleges systemic failures in ensuring data accuracy, claiming the service disseminates erroneous or outdated information to verifiers without adequate safeguards.^[11] Consumers can request reports, dispute errors, or freeze access, but the centralized model's opacity and Equifax's subsidiary status under the Consumer Financial Protection Bureau underscore ongoing tensions between verification efficiency and data stewardship.^[12]^[13]

History

Founding and Initial Development (1995–2006)

The Work Number was launched in 1995 by TALX Corporation, a payroll and HR services provider based in Earth City, Missouri, to automate employment and income verifications amid growing demands on employers' HR departments.^[14]^[15] The service addressed the inefficiency of manual verification processes, where large employers faced frequent inquiries from lenders, landlords, pre-employment screeners, and government agencies, often requiring HR staff to handle calls and faxes that diverted time from core functions.^[16]^[17] TALX developed the platform by establishing partnerships with employers to upload payroll data—including employment dates, wages, and tenure—into a secure, centralized database accessible via electronic queries.^[15] Initial focus was on major corporations, enabling rapid, 24/7 verifications that reduced processing times from days to seconds while ensuring data accuracy through direct sourcing from payroll systems.^[14] By credentialing verifiers and implementing authentication protocols, the service minimized fraud risks associated with verbal or paper-based confirmations.^[16] From 1995 to 2006, The Work Number expanded its employer network, transitioning from a niche tool for select large firms to a broader database covering diverse industries.^[17] This period saw steady growth in record volume, culminating in over 142 million employment records by early 2007, reflecting increased adoption as verifiers recognized the efficiency gains over traditional methods.^[18] TALX invested in technology enhancements, such as improved data integration and compliance features, to support scalability without compromising privacy or regulatory adherence.^[15]

Acquisition by Equifax and Expansion (2007–Present)

In May 2007, Equifax completed its acquisition of TALX Corporation, the developer of The Work Number, in a stock and cash transaction valued at approximately $1.4 billion, including assumed debt.^[15]^[3] At the time, The Work Number maintained over 147 million employment records and served as a leading provider of automated workplace verifications.^[15] The deal integrated TALX's operations into Equifax Workforce Solutions, aligning with Equifax's strategy to expand into data-driven markets beyond traditional credit reporting.^[15] Post-acquisition, The Work Number experienced rapid client growth, adding major employers such as IBM in 2008 for payroll-related verifications.^[19] By October 2007, TALX had secured additional large clients, enhancing the database's coverage and accessibility for Equifax customers.^[20] The service expanded its utility in sectors like lending and government, with partnerships such as the U.S. General Services Administration in 2021 for automated income and employment checks.^[21] In March 2021, Equifax acquired i2verify, a verification provider, to bolster automated capabilities and efficiency in income and employment data processing.^[22] Expansion continued into the 2020s, with The Work Number reaching 3 million participating employers by April 2024, up from its origins serving a single employer in 1995.^[14]^[23] In 2022, Equifax extended verification services internationally, building on the U.S.-centric database to support global income and employment checks.^[24] By 2024, the platform processed 149 million verifications annually, facilitating applications for 6.4 million auto loans, 2.2 million mortgages, and 1.1 million rental properties, while completing pre-employment checks for 5.2 million candidates.^[25] This growth reflected broader adoption in financial access and compliance, though it remained primarily U.S.-focused despite international efforts.^[14]

Operations

Data Sources and Collection Methods

The Work Number's database is primarily sourced from participating employers, payroll providers, and third-party administrators who voluntarily submit employee data.^[26] These entities transmit payroll and employment information directly to the service, forming the core of its repository, which encompasses records from nearly 4.74 million employers as of recent reports.^[27] Data submission occurs through automated payroll file uploads, ensuring regular updates aligned with pay cycles, typically weekly or biweekly depending on the employer's schedule.^[5]^[28] Collection methods emphasize secure, encrypted transmission to maintain data integrity and compliance with regulations such as the Fair Credit Reporting Act (FCRA). Employers or their designated providers generate and send files containing details like base pay, overtime, bonuses, employment start and end dates, job titles, and hire status after each payroll processing.^[5] This process minimizes manual intervention, with The Work Number handling ingestion, validation, and storage to support real-time verification queries.^[29] Unlike consumer-submitted documents, this employer-sourced approach relies on primary payroll records, which are archived for historical access spanning multiple years.^[30] Participation in data sharing is initiated by employers through agreements with Equifax, often integrated with existing payroll systems like those from major providers (e.g., ADP or Paychex), enabling seamless extraction and forwarding without individual employee consent at the collection stage.^[26] However, employees retain rights to review, dispute inaccuracies, or freeze their data's release for verifications under FCRA provisions, though the underlying collection from employers continues unless the employer ceases participation.^[29] This model covers approximately 72% of the U.S. workforce, drawing from diverse sectors including government, finance, and private industry.^[27]

Verification Technology and Processes

The Work Number operates as a centralized database aggregating employment and income data directly submitted by over 2.9 million employers and payroll providers, enabling automated verifications through secure, real-time queries.^[2] Verifiers, such as lenders or government agencies, must be credentialed to access the system via online portals or API integrations, where they input identifiers like Social Security numbers to retrieve matching records without manual intervention from the employee or employer.^[2] ^[1] This process supports single or batch requests, delivering employment status, job history, and income details—such as base pay, bonuses, and overtime—typically within seconds to facilitate decisions on loans, rentals, or benefits eligibility.^[5] ^[1] The underlying technology relies on direct data feeds from employer payroll systems, which transmit records electronically to minimize errors from self-reported information and ensure timeliness, as updates occur concurrently with payroll cycles.^[2] Matching algorithms cross-reference applicant-provided details against the database to confirm identity and record accuracy, with additional features like The Work Number ID validating Social Security numbers against proprietary employment-linked data for fraud prevention.^[31] API partnerships allow seamless integration into third-party platforms, such as lending software, automating verification workflows while adhering to compliance standards like FCRA for permissible purpose checks.^[32] ^[7] Accuracy is maintained through source-direct collection, which Equifax claims reduces discrepancies compared to traditional methods like contacting employers manually, though verifiers are responsible for interpreting data in context.^[2] Security protocols include role-based access controls, encryption for data transmission, and audit trails logging verification requests, with individuals able to review their records via an Employment Data Report and initiate disputes if inaccuracies arise from employer submissions.^[33] Batch processing capabilities handle high-volume needs, such as mortgage underwriting, by scaling queries across millions of records without compromising response times.^[5]

Services

Core Verification Offerings

The Work Number's core verification offerings primarily encompass employment verification and income verification, which deliver automated access to payroll and personnel data aggregated from participating employers and payroll processors.^[27] These services confirm an individual's current or historical employment status, including dates of hire and separation, job titles, and employer details, sourced directly from employer records to minimize discrepancies from manual inquiries.^[2] Income verifications provide granular data on base salary, hourly wages, overtime, bonuses, and total compensation, enabling verifiers to assess repayment capacity or eligibility for housing, loans, or benefits.^[1] The database, comprising over 641 million records as of recent reports, supports near-instantaneous retrieval, often within seconds, through secure online interfaces for credentialed users such as financial institutions and government entities.^[34] These offerings operate via a centralized repository where employers submit data electronically, ensuring updates reflect actual payroll cycles rather than self-reported information from applicants.^[13] Verifiers must obtain consumer consent or meet regulatory standards, such as those under the Fair Credit Reporting Act, prior to access, with the system logging requests for auditability.^[33] Employment verifications are commonly used for background checks, reference validations, and pre-employment screening, while income verifications underpin affordability analyses for mortgages, auto loans, and rental applications.^[35] In cases involving retirement or pension income, the service extends to verifying benefit amounts and eligibility periods when employers contribute such data.^[36] The process integrates with verifier workflows, allowing batch requests or single queries, and emphasizes data accuracy through direct sourcing, though verifiers are advised to cross-reference with additional documentation for high-stakes decisions.^[37] This model reduces administrative burden on employers by automating responses that would otherwise require HR intervention, with availability 24/7 outside traditional business hours.^[5]

Additional Features and Integrations

The Work Number offers employee self-service tools, including the ability to generate a Salary Key for controlled sharing of income and employment data with verifiers such as lenders or landlords, which prevents unauthorized access to full records.^[33] Users can also request an Employment Data Report to review and correct personal employment history stored in the database, limited to participating employers for personal use only.^[38] Additionally, individuals may freeze their data to block verifications, providing a privacy control mechanism amid concerns over data access.^[26] Beyond standard commercial verifications, the service supports social service verifications for government agencies, enabling real-time checks of employment and income to determine eligibility for benefits like housing assistance or welfare programs.^[6] It also facilitates pre-employment verifications for background checks, integrating historical payroll data to confirm prior employment details during hiring processes.^[5] These features extend the database's utility to public sector and HR applications, with over 3 million employers contributing data as of April 2024.^[14] Integrations form a core extension of the service, with APIs and partnerships enabling automated data exchange with payroll and HR systems. Key examples include seamless connectivity with Workday for accelerated verifications, announced in August 2024 to modernize processes for enterprise customers.^[39] Similar integrations exist with UKG Pro payroll (at no cost to users), isolved People Cloud for instant data transfer, and IRIS Software Group's Payroll Relief for efficient employee data sharing.^[40]^[41]^[42] For lending, The Work Number connects via over 60 technology providers, reducing manual workflows and supporting instant verifications through platforms like ICE Mortgage Technology's Encompass API, enhanced in January 2022.^[43]^[44] The Equifax Partner Network further streamlines these by offering credentialed access to verifiers, emphasizing secure, API-driven automation across commercial ecosystems.^[45]^[46]

Efficiency Gains and Market Adoption

The Work Number has achieved significant market adoption, serving over 4.74 million employer contributors as of recent reports, encompassing small, medium, and large organizations across the United States.^[5] By April 2024, it had reached a milestone of 3 million participating employers, enabling widespread use in sectors such as lending, government assistance, and pre-employment screening.^[14] In the mortgage industry, the service supports approximately 60% of loan verifications, reflecting its integration into standard processes for income and employment checks.^[47] Efficiency gains stem primarily from its automation of verification processes, providing 24/7 real-time access to employment and income data, which reduces reliance on manual HR inquiries and phone-based confirmations.^[6] For mortgage lenders, integration yields process efficiencies, time savings, and improved borrower experiences by streamlining data retrieval over traditional methods.^[48] Since 2017, the database has delivered 120% more records per verification request, with an additional 52 million records added in the preceding 12 months, enhancing completeness and speed.^[49] Clients using it for pre-employment checks have reported fewer follow-up calls and faster completion times, while payroll integrations automate responses to reduce internal resource burdens.^[4]^[28] In 2024, it facilitated automated verifications for 52 million individuals, often outside business hours, supporting quicker approvals in lending and social services.^[50]

Role in Reducing Fraud and Enabling Access

The Work Number reduces fraud risks in employment and income verification by providing automated access to primary payroll data from over 4.7 million employers, bypassing reliance on self-reported or potentially forged documents like pay stubs and W-2 forms that are common vectors for deception in lending and benefits applications.^[5] This direct-source validation credentializes verifiers, mandates permissible purposes under regulations like the Fair Credit Reporting Act, and flags discrepancies in real-time, thereby curbing identity theft and synthetic fraud in sectors such as auto loans and mortgages where fraudulent employment claims can inflate approval rates.^[51] For unemployment insurance, integrated tools like Unemployment Claims Fraud Watch, launched in May 2023, alert employees to unauthorized claims filed in their name, enabling swift intervention against the surge in pandemic-era scams that cost states billions.^[52] Industry analyses indicate that up to one in five loan applications involve inflated income or fictitious employers, a risk The Work Number mitigates through verifiable, employer-submitted records updated per pay cycle.^[53] Simultaneously, the service enables broader access to financial and social opportunities by streamlining verifications to seconds, processing 149 million requests in 2024 alone—equivalent to nearly 400,000 daily—and supporting 6.4 million auto loan decisions that year.^[50] This efficiency lowers barriers for consumers applying for credit, housing, or rentals, where manual HR checks can delay approvals by days or weeks, particularly benefiting gig workers and those in informal employment whose records might otherwise be harder to substantiate.^[25] In government programs, it facilitates real-time eligibility checks for benefits like SNAP or Medicaid, verifying up to 36 months of earnings data for 25 million individuals in 2023, thus expediting aid distribution while upholding fiscal controls.^[6]^[14]

Criticisms and Defenses

Data Accuracy and Dispute Mechanisms

The Work Number, operated by Equifax Workforce Solutions, has faced ongoing scrutiny regarding the accuracy of its employment and income data, with reports of errors including incorrect employment dates, inflated or deflated income figures, and nonsensical entries that have led to denials of housing, loans, or benefits.^[11]^[10] A February 2024 class action lawsuit alleged that The Work Number fails to employ reasonable procedures to assure maximum possible accuracy under the Fair Credit Reporting Act (FCRA), citing instances where third-party verifiers received unreliable data.^[11] Similarly, a 2024 analysis by the National Consumer Law Center criticized a Social Security Administration-relied study on The Work Number's accuracy as methodologically flawed, potentially underestimating error rates due to limited sampling and lack of independent verification.^[54] To address inaccuracies, The Work Number provides an employee-initiated dispute process accessible via its website, where individuals can submit a data dispute form detailing alleged errors in their employment, income, or related records.^[12]^[55] Upon submission, Equifax analysts investigate the claim by contacting the relevant employer or payroll source, with the process required to complete within 30 days as mandated by FCRA guidelines for consumer reporting agencies.^[12]^[13] Users can also request assistance by calling The Work Number Employee Service Center at 1-866-222-5880 or include a personal statement disputing verified data that they believe remains incorrect.^[55]^[10] Despite these mechanisms, critics argue that the process often proves ineffective, as investigations may rely on employer confirmations that perpetuate original errors, leading to unresolved disputes and subsequent litigation.^[10]^[54] Individuals denied corrections retain FCRA rights to sue for damages if inaccuracies demonstrably cause harm, such as lost opportunities, though success depends on proving negligence in verification procedures.^[10]^[13] Equifax maintains that data is sourced directly from employer payroll systems with built-in validation, but independent audits remain limited, contributing to persistent debates over systemic reliability.^[56]

Privacy Concerns and Historical Incidents

The Work Number has faced criticism for aggregating and commercializing sensitive employment and income data, often without individuals' explicit knowledge or consent, enabling third-party access for verifications in lending, housing, and background checks.^[16] This practice raises risks of unauthorized disclosure of salary histories and payroll details, which privacy advocates argue constitutes a form of surveillance capitalism, as data from over 4.2 million employers is stored and sold for fees up to $54.95 per report. Employees can request to freeze their records to block access, but many remain unaware of the database's scope until denied services due to verification hits.^[57] Security vulnerabilities are a persistent concern, exacerbated by parent company Equifax's history; while The Work Number maintains data separation and encryption protocols, the 2017 Equifax breach exposing 147 million consumers' information eroded trust in its safeguards, making the repository a high-value target for cybercriminals seeking income data for identity theft or fraud. Equifax asserts monitored access and compliance with FCRA standards, yet critics highlight that inaccuracies in reports—such as outdated or erroneous employment records—can lead to privacy harms by propagating false personal financial narratives to verifiers.^[13] In October 2017, shortly after the Equifax breach, security researcher Brian Krebs reported that The Work Number's portal had exposed users' salary histories via unsecured searches, prompting Equifax to temporarily suspend access and implement enhanced security before restoration. This incident amplified fears of data leakage, as the service held verifiable W-2 and payroll records for tens of millions. In 2022, employees at Google and Apple publicly opposed their employers' payroll data sharing with The Work Number, citing Equifax's breach legacy and lack of transparency in data handling.^[16] Further controversies include Equifax's internal use of The Work Number in 2022 to detect moonlighting among remote workers, resulting in the firing of at least 24 employees after cross-referencing verification requests against records.^[58] A February 2024 class action lawsuit, Muniz Gerena v. Equifax Workforce Solutions, LLC (Case No. 3:24-cv-00098, U.S. District Court for the Eastern District of Virginia), alleges the service routinely publishes inaccurate or nonsensical data in consumer reports sold to third parties, violating FCRA accuracy requirements and potentially enabling misuse of flawed personal information.^[11] These events underscore ongoing debates over whether the platform's utility justifies the privacy trade-offs, with no reported full-scale breach of The Work Number itself but repeated scrutiny of its error-prone dissemination.

Broader Debates on Data Utility vs. Risks

Proponents of centralized employment verification databases like The Work Number argue that they enhance economic efficiency by enabling rapid, automated checks of income and employment data, reducing manual paperwork and processing times for lenders, landlords, and government agencies from days to seconds.^[1]^[25] This utility supports critical decisions, such as approving loans or allocating benefits like SNAP and Medicaid, where timely verification prevents delays in aid distribution and helps ensure resources reach eligible individuals without excessive administrative costs.^[6]^[59] Industry analyses indicate that such systems contribute to fraud reduction by cross-referencing payroll data against applications, potentially mitigating identity theft and unauthorized claims in programs like employee retention credits, where scams have proliferated.^[60]^[61] Critics, including privacy advocates, contend that the aggregation of sensitive payroll information—covering over 125 million U.S. workers—creates outsized risks of data misuse and breaches, as evidenced by Equifax's 2017 incident exposing 147.9 million consumers' personal details, including Social Security numbers, through unpatched vulnerabilities.^[62]^[63] Although The Work Number data was not explicitly confirmed in that breach, the centralized repository amplifies vulnerabilities, enabling potential identity fraud that cost victims $43 billion in 2022 alone.^[64] Concerns escalate over consent practices, where employers often share wage histories with Equifax without affirmative employee opt-in, allowing third-party access for verification fees, which some view as commodifying personal financial data akin to a surveillance mechanism rather than a neutral tool.^[65]^[66] Employee backlash, such as from Google and Apple workers in 2022, highlights fears that such sharing undermines salary negotiation leverage and exposes data to brokers with histories of lax security.^[16] The debate underscores a causal tension: while data utility drives market adoption and program integrity— with 80% of surveyed government users in 2019 citing improved employment status detection—risks from centralization may outweigh benefits if breaches or inaccuracies lead to denied services or widespread harm.^[67] Defenders, primarily from Equifax, emphasize post-breach enhancements like encryption and opt-out freezes, yet empirical evidence of reduced fraud remains anecdotal, lacking independent audits, and privacy groups argue that opt-outs are cumbersome, failing to address root issues of non-consensual data flows.^[50]^[57] Regulatory scrutiny, as in calls for probes into Equifax's dominance, reflects broader skepticism toward data brokers' self-regulation, prioritizing profit over robust safeguards.^[68] Ultimately, the trade-off hinges on verifiable outcomes: utility in streamlining access must be weighed against empirical breach costs and consent erosions, with no consensus on whether decentralized alternatives could achieve similar efficiency without amplified systemic risks.

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Protecting Your Business: Employee Retention Credit Scams and ...
Jul 13, 2023 · Employee retention credit scams have exploded over the past couple years, according to the IRS. Learn more about the most common types of scams and what ...
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Harnessing the Power of the Cloud to Bring Industry-Leading ...
Jan 25, 2022 · Similar to how The Work Number service operates in the U.S., Verification Exchange helps increase access, reduce fraud, support compliance ...
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Equifax Data Breach Case Study: Causes and Aftermath.
Dec 8, 2024 · The 2017 Equifax breach exposed 147.9 million Americans' data through an unpatched vulnerability and expired security certificate. • Chinese ...<|separator|>
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Argyle vs. The Work Number (TWN)
The Work Number: The Case for Direct-Source Data. 9 reasons legacy data reporting models don't cut it for modern income and employment verifications. For ...<|control11|><|separator|>
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Help Protect your Employees and their Families Against Identity Fraud
Sep 22, 2023 · In 2022, identity fraud claimed 40 million victims and amounted to losses of $43 billion. Learn what you can do to help better protect your ...Missing: impact | Show results with:impact
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Your employer may share your salary, and Equifax might sell that data
Jan 30, 2013 · Some of the information in the little-known database, created through an Equifax-owned company called The Work Number, is sold to debt collectors, financial ...
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Your Employer is Giving Your Salary Data to Equifax, and Equifax is ...
Jun 18, 2025 · Equifax offers a product called The Work Number, which it markets as the largest commercial database of income and employment information.
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Government Verification of Employment | The Work Number
Government employment verification uses vital data like employer/employee details, employment status, and job title, including FEIN, to verify employment.
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Equifax Experian Corner Worker Verification Space
Dec 3, 2022 · Equifax and Experian have been busy tying up deals with the nation's employers for access to the records of current and former employees.