Source of Truth Checks

Predictive DocV Source of Truth Checks

The Predictive DocV (DocV) Source of Truth (SoT) check service enables organizations to validate information from state-issued driver’s licenses and identification cards against authoritative records such as state DMV databases.

SoT determines whether each personally identifiable information (PII) field extracted from a document matches an ID officially issued in the corresponding jurisdiction.

SoT availability across Predictive DocV products

The table below outlines SoT availability across DocV products.

What SoT checks can detect

SoT checks validate whether the PII contained on the document corresponds to an issued identity record. These checks are highly effective for detecting fraud patterns where the identity does not exist in DMV systems or contains incorrect attributes.

However, SoT does not confirm document authenticity, image integrity, or biometric consistency. A fraudster using a high-quality counterfeit ID containing valid PII may still pass SoT.

Effective use cases

SoT checks are particularly useful in the following scenarios:

• Synthetic identity fraud: Fraudsters creating entirely fake identities—without any history of state-issued IDs—will be flagged as no match when checked against official records.

• Imperfect identity theft: When fraudsters steal core identity attributes but incorrectly guess or modify secondary fields (e.g., sex, height, weight, eye color), SoT will flag those mismatches.

  These fields are often self-reported and not easily accessible to attackers, making SoT an effective signal for catching incomplete or inconsistent identity theft attempts.

Use case limitations

SoT checks are not effective when the data on the ID is valid but used fraudulently. Examples include:

• Stolen legitimate documents
• First-party fraud (the real person misrepresenting information)
• Perfect replicas of genuine ID information (accurately stolen PII)
• Synthetic identities that already possess issued documents

In these cases, the identity exists in authoritative records, so SoT alone cannot distinguish legitimate from fraudulent use.

System limitations

• Jurisdiction coverage:

  SoT checks via AAMVA are supported in 44 U.S. jurisdictions, including Washington D.C.

  The following seven states are not supported: California, New York, Alaska, Utah, Minnesota, Louisiana, and Pennsylvania.

• Response latency:

  Typical response times range from 5–8 seconds, with some states taking up to 10 seconds depending on network and provider variability.

• Scope of validation:

  SoT validates only the PII printed on the document. It does not validate:

  • Document authenticity
  • Headshots or biometric signals
  • Device, behavioral, or contextual risk

• Document type support:

  Only state-issued driver’s licenses and ID cards are supported at this time. Additional document types may be added as new vendors become available.

Associated reason codes

Information reason codes

The following I reason codes may be returned as part of the SoT check service:

Risk reason codes

The following R reason codes may be returned as part of the SoT check service: