A person can be identified by phone number, as the credit history also contains contact information of the borrower, in addition to their identification data. I.e., if a person, using loans or credit cards, informed the lender of the corresponding phone number, it will be contained in their credit history. However, several credit histories can be found by phone number, so customer identification by phone number is insufficient.
A person can be identified by photo, as the bureau’s database stores photos obtained during personal identification in the bank, against which a comparison is made to determine the degree of similarity.
For all the persons found by phone number, existing photos are compared with the provided ones, the photo with the maximum degree of similarity is determined, and if it is sufficient, the report returns the identification data of the corresponding person.
A degree of similarity over 50% is considered sufficient.