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Tag: synthetic identity

1 article tagged “synthetic identity”
Mortgage

Straw Buyers, Synthetic Identities and CPNs: Detecting Mortgage Fraud When the Borrower Is Not Who the File Says

Most fraud checks ask whether the borrower told the truth. Identity fraud asks a prior question: whether the borrower on the file is the person who will own, pay for and live in the property at all. How straw-buyer schemes, synthetic identities and credit privacy numbers show up in a mortgage file, what SSA's eCBSV and the Red Flags Rule give a lender to work with, the fair-lending trap in naive identity rules, and what an AI agent can and cannot conclude.

6 min read
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