Equifax® has unveiled Complete Income™, a new solution designed to help government agencies more efficiently verify income for social service programs such as Medicaid and the Supplemental Nutrition Assistance Program (SNAP). Scheduled for release in August 2025, the tool leverages the Equifax Cloud™ and aims to simplify the verification process for applicants, particularly those with non-traditional income sources like gig work, pensions, and child support.
Available through a unified workflow, Complete Income provides two structured reports for caseworkers. The first, a Social Service Verification Report from The Work Number®, offers W-2 payroll data from over 4.4 million employers. The second, Income and Expense Connect, incorporates consumer-authorized bank deposit information from 92% of U.S. financial institutions, as well as self-reported income and expense data—offering a fuller picture of an applicant’s financial standing.
“Market research has shown the increasing complexity of the modern U.S. workforce, including the addition of nearly 35 million independent workers over the past four years, which has created significant challenges for government agencies in verifying income for social service program eligibility,” said Mike Bromley, Senior Vice President and General Manager, Government Solutions at Equifax. “With Complete Income, we’re helping them solve this problem… enabling agencies to make better-informed eligibility determinations and more efficiently serve vulnerable populations.“
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The solution aims to reduce the time-consuming manual processes that caseworkers typically face when handling income documentation from self-employed applicants. Through the Equifax Verification Insights Portal, caseworkers can initiate the verification process, prompting applicants via email or text to securely upload bank and self-reported data. This streamlined workflow allows for faster, more accurate benefit decisions.
According to Equifax, Complete Income not only enhances efficiency for agencies but also improves the experience for caseworkers and applicants. Reports are provided under the Fair Credit Reporting Act (FCRA), organizing income data into categories such as wages, unearned income, other income, and expenses.
Bromley added, “Agencies can serve their constituents more efficiently and with greater confidence. Caseworkers can spend less time on tedious, manual tasks, and more time supporting the people they serve. And applicants can complete the process more easily and receive faster benefits decisions.“
