Name

Enformion

Legal name

Enformion, LLC

Website

https://enformion.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Identity Verification and Data Intelligence

NAICS

Software Publishers (513210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)

akta.pro primary industry

Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)

akta.pro secondary industry

Privacy-Preserving Data (De-identification, Anonymization, PII Redaction) (HDAAALAG)

Keywords

• Identity verification
• Fraud risk mitigation
• Data as a service
• Consumer identity data
• Collections investigations

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Supply Chain, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Transactional Pricing: Low minimum monthly fee with low cost-per-click pricing model. No limit on searches or reports. Access to complete data sets and solutions with 24/7 support. Best suited for organizations with low search volumes.
2. Per Seat & Flat Rate: Flat rate pricing options for companies with mid-level search volumes. Fully customizable with ability to add seats as needed.
3. Batch & API Processing: Locked-in pricing based on minimum search volume (packages range from 500 to 100,000 minimum searches per month). No user limit. API integration for seamless software connectivity.
4. Data as a Service (DaaS): Licensed identity intelligence infrastructure delivered via API, batch, Snowflake, or cloud storage targeting data aggregators, resellers, and marketing/CRM platforms.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels8 records

Core offering

Enformion operates an AI and machine learning-powered identity data and analytics platform covering 98% of U.S. adults with 120+ billion records drawn from 6,000+ data sources across 40+ years of historical consumer and business identity data. The company sells identity verification, fraud and risk mitigation, sales and marketing intelligence, and collections and investigation products delivered via API, batch, cloud platform, and Snowflake. Core customers include financial institutions, collections agencies, government agencies, eCommerce platforms, legal professionals, and data aggregators or resellers.

Product overview

Enformion is a leading identity data and analytics platform organized as a unified platform-plus-modules architecture. The core platform harnesses a 40+ year historical consumer and business identity graph covering 98% of the U.S. population from 6,000+ data sources with 120+ billion records. The platform's core capabilities are organized into four main product suites: Identity Verification (eIDV, eAgeComply, ePrefill, eIndicators), Fraud & Risk Mitigation (eID Risk Score, ePhone Risk Score, eAddress Risk Score, eEmail Risk Score, eHousehold Composition, eIDMonitoring), Sales & Marketing Intelligence (eLeadVerify, First-Party Data Validation, Contact Enrichment, EnformionGO Lead Builder), and Collections & Investigations (eRPC Scores, eFR Score, Skip Tracing, Investigative Seat). The Identity Intelligence Infrastructure serves as the foundational data layer powering all product lines with flexible delivery via API, batch, Snowflake, or cloud storage. Acquired brands include Tracers (investigative solutions) and EnformionGO (self-service platform). The eFlex module provides customizable mix-and-match functionality across the portfolio.

Differentiator

Problem solved

Functional benefit

Products and services

• eIDV (Electronic Identity Verification) Cloud infrastructure-based identity verification that instantly verifies the legitimacy of PII-based identity data by matching inputs against Enformion's database, producing a proprietary Composite Score for onboarding, KYC, and fraud workflows.
• eAgeComply Age verification product that accurately determines if an individual is 18 years or older using phone number or name and address, supporting regulatory compliance across age-restricted industries.
• eID Risk Score Composite identity risk score providing real-time assessment across email, phone, and address attributes, with granular reason codes and configurable risk models for fraud detection at onboarding, transaction, and account monitoring stages.
• ePhone Risk Score Phone risk assessment analyzing phone signals, connectivity behavior, disconnects, ports, network type, and person-to-phone associations to evaluate risk across the customer journey.
• eAddress Risk Score Address risk scoring analyzing address type, time at address, vacancy status, and high-risk associations to accurately categorize address-related fraud risk.
• eEmail Risk Score Email risk assessment combining email address attributes, person-to-email elements, and broad identity graph data to evaluate domain risk, handle risk, account activity, and person-level indicators.
• eHousehold Composition Household composition verification tool confirming household size and address and detecting multiple residents claiming the same address, used by government programs for eligibility verification.
• eIDMonitoring Continuous monitoring service tracking customer profile attributes for changes and sending instant notifications to financial, retail, and collection institutions for ongoing fraud detection.
• eLeadVerify Instant lead validation and scoring solution that validates every incoming lead for accuracy, contactability, and compliance before entering the funnel, cross-verifying identity elements against authoritative data sources via a privacy-first API.
• First-Party Data Validation Data cleansing and validation solution that refreshes customer profile data with up-to-date validated identity markers to ensure marketing efforts reach customers with accurate information.
• First-Party Contact Enrichment and Consumer Insights Customer data enhancement solution that appends missing contact information and provides deeper insights into consumer behaviors, preferences, and demographics using over 300 attributes.
• EnformionGO Lead Builder On-demand self-service platform enabling lead brokers and marketers to build, price, and download targeted lead audiences in real time using demographic, behavioral, property, and professional signals.
• eRPC Scores (Right Party Contact) Proprietary Phone, Address, and Email Right Party Contact scoring system that boosts collections and enhances customer interaction by ranking connections through recency and validity metrics.
• eFR Score (Financial Resilience Score) Non-FCRA financial resilience score derived from an anonymous financial assets database using a 1-5 rating system where 5 indicates the most resilient households; delivers 4x more effective collectability when combined with traditional credit risk scores.
• Skip Tracing Automated skip tracing solution that identifies the most current phone number and physical address for individuals who have moved or changed contact information using over 40 years of historical data and associates' data.
• Investigative Seat Cloud-based investigative and data research product providing access to more than 50 search channels and billions of data records for a comprehensive 360-degree view of subjects, with 24/7 availability.
• Licensed Identity Intelligence Infrastructure Unified data platform connecting billions of identity, contact, location, and professional data points covering 98% of U.S. adults, delivered via API, batch, Snowflake, or cloud storage for data aggregators, resellers, and marketing and CRM platforms.
• Tracers Acquired brand combining industry-leading search technology with a cloud-based solution for the investigative market, serving professional investigators and legal experts with public records and people search.
• EnformionGO Platform Self-service cloud platform offering direct access to Enformion's extensive identity data and analytics, with tools for identity verification, contact enrichment, and investigative research through a user-friendly interface and APIs.

Quantifiable outcome

• 4x more effective collectability when eFR Score is coupled with traditional credit risk scores
• +2 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability5 records

Feature15 records

Partnerships

Eleven partnerships are on record, tiered core, secondary and industry association.

• BureaucoreTechnology or IntegrationBureau is a no-code identity decisioning platform that protects digital customer journeys against fraud globally. Provides real-time, contextualized risk insights for compliance, fraud, and security purposes. Partnership enables Enformion to offer enhanced identity verification and fraud prevention solutions.
• Moody'scoreTechnology or IntegrationMoody's delivers hard-to-find B2B information on private companies for credit professionals. Partnership provides insight, innovation, and community through one of the largest databases of B2B credit data in North America with over $1.5 trillion data points.
• SkopenowsecondaryTechnology or IntegrationElevated people search engine for discovering fraud and evaluating risk. Integrative platform identifies, collects, and analyzes public information from millions of sources and data points for insurance, government, law, HR, real estate, and education.
• Digital Recognition Network (DRN)secondaryTechnology or IntegrationLargest available database of license plate recognition (LPR) scans in the nation. Vehicle location data paired with analytics helps lenders, recovery agents, insurers, and auto manufacturers locate vehicles faster.
• DAKCScoreTechnology or IntegrationUtah-based software provider with 40-year history in collection-specific technology. Partnership integrates Enformion's powerful data scrubbing, accurate contact information, and advanced skip-tracing into DAKCS Vendor Tool for debt collection industry.
• BlueChecksecondaryTechnology or IntegrationFounded in 2014, headquartered in Austin. Delivers real-time, API-driven age verification for hundreds of major online platforms with privacy-first architecture and 99.5% accuracy rate.
• SumsubcoreTechnology or IntegrationGlobal full-cycle verification platform protecting every step of the user journey with customizable solutions for KYC, KYB, AML, Transaction Monitoring, and Fraud Prevention.
• SenzingcoreTechnology or IntegrationPartnership announced July 2025 to advance real-time identity resolution and data integration capabilities.
• GeoComplycoreTechnology or IntegrationLeader in geolocation security and compliance. Partnership enables Enformion to provide enhanced location-based verification and fraud prevention solutions.
• ACA Internationalindustry associationOthersAssociation of Credit and Collection Professionals founded in 1939. Represents more than 230,000 industry employees including third-party collection agencies, law firms, asset buying companies, and creditors.
• Receivables Management Association International (RMAi)industry associationOthersNonprofit trade association representing more than 550 companies in the purchase, sale, and collection of receivables on the secondary market including debt buyers, collection agencies, and law firms.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LexisNexis Risk Solutions: LexisNexis Risk Solutions is the most direct comparable: a large-scale aggregator of consumer and business identity data serving KYC, fraud, collections skip-tracing, and government program integrity use cases via API and batch delivery. It directly competes with Enformion across financial services, collections, legal, and government verticals with overlapping risk-scoring and identity-graph capabilities.
• Trulioo: Trulioo is a global identity verification platform offering KYC, KYB, and AML data via API—directly comparable to Enformion's eIDV suite and a partner Enformion's CRO has worked at. Both compete in regulated onboarding flows for marketplaces, fintechs, and platforms.
• Socure: Socure is an identity verification and fraud prevention vendor using AI/ML on identity graph data for KYC, account takeover, and synthetic-identity detection—directly overlapping with Enformion's eID Risk Score, ePhone/eAddress/eEmail Risk Score, and eIDMonitoring portfolio. Enformion's CRO has prior leadership tenure at Socure.
• Ekata (Mastercard Identity): Ekata, now part of Mastercard Identity, provides identity verification and risk-scoring APIs built on global consumer identity data—directly comparable to Enformion's eIDV and risk-score family. Both target digital onboarding, marketplace fraud, and fintech KYC with similar product packaging.
• IDology (TransUnion): IDology, a TransUnion company, delivers identity verification and age verification solutions comparable to Enformion's eIDV and eAgeComply. Both compete for financial services, eCommerce, and marketplace onboarding workflows with API-first delivery models.

Broad incumbents

• Verisk: Verisk is a broad analytics incumbent spanning insurance, financial services, and fraud/risk—Enformion CEO Chris Lundquist previously led its Fraud and Credit Risk Division after selling LCI to Verisk. It competes with Enformion in identity and risk-scoring offerings while running a much wider vertical portfolio.
• Acxiom: Acxiom is a large data services incumbent providing identity, marketing, and customer data products via API and platform delivery—comparable to Enformion's first-party data enrichment and Identity Intelligence Infrastructure plays. Enformion's CTO previously held engineering leadership at Acxiom.
• TransUnion: TransUnion is a major credit bureau with substantial identity verification and fraud solutions serving the same financial services and collections customers as Enformion. Through IDology it offers comparable electronic identity verification products and competes for KYC and onboarding workflows.
• Experian: Experian is a global credit and identity data incumbent with identity verification, fraud prevention, and consumer insights products that overlap with Enformion's eIDV, risk-scoring, and contact enrichment suite across financial services and collections use cases.

Emerging players

• Pipl: Pipl is an identity data provider specializing in people-search and identity resolution across consumer and professional data—adjacent to Enformion's Investigative Seat, skip tracing, and contact enrichment products used in legal, collections, and investigations workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/enformion

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Enformion