Multi-Layered Fraud Prevention
Stop Document Fraud Before It Starts
One platform that ensures smarter deals & safer sales for your business.
Document Fraud Is a Growing Threat to Auto Dealerships
In today’s digital-first environment, it’s easier than ever for fraudsters to create fake documents—and harder than ever for businesses to detect them. In 2024, document fraud spiked 244%. From phony paystubs and falsified bank statements to fake utility bills and forged proof of insurance, document fraud is on the rise—and your dealership is a prime target.
What Is Document Fraud?
Document fraud is a serious crime that involves the illegal act of forging, altering, or misusing official documents for personal gain or to deceive others. Common types include:
- Fake pay stubs showing inflated income
- Falsified bank statements hiding overdrafts or fabricated balances
- Altered utility bills used to fake proof of residence
- Counterfeit insurance cards claiming false coverage
- Fraudulent driver’s licenses used to misrepresent identity
These fake documents are often used to secure loans, leases, or purchases—exposing your business to financial loss, legal risk, and compliance violations.
Why Document Fraud Is a Big Problem for Dealerships
- $9.2 billion in auto finance fraud occurred in 2024 alone.
- Dealerships are increasingly targeted because fraudsters know they’re often under pressure to move inventory fast.
- Fake documents can slip through the cracks in a busy showroom, especially during peak hours.
And once a deal is done with fake docs, you’re on the hook for the losses, not the fraudster.
Examples of Document Fraud in Dealerships
- A customer submitted a paystub showing $9,000/month income—until the lender flagged it as a Photoshop job.
- A dealership accepted an insurance card from a top carrier, only to find out the policy never existed.
- Utility bills downloaded from the internet were altered to show the buyer lived in a qualifying zip code for financing incentives.
- Bank statements showing stable balances were generated using online templates easily found on Google, Reddit, and YouTube.
How Document Fraud Impacts Your Business
- Revenue loss from unrecoverable vehicles or chargebacks
- Fines and legal exposure from non-compliance with lending regulations
- Damage to your dealership’s reputation
- Lost time and productivity spent chasing down fraudulent deals
Fraud doesn’t just hurt your bottom line—it can sink your business.
The Solution: Informativ’s Verified Stips – powered by TurboPass
Real Docs. Straight from the Source.
Informativ’s Verified Stips eliminates the risk of accepting forged documents by sourcing them directly from the issuing institutions. That means:
- Pay stubs come from the payroll provider
- Bank statements come from the customer’s actual bank
- Utility bills are pulled from the utility company
- Proof of insurance is pulled from the insurer
- Driver’s licenses are verified and authenticated on capture
No screenshots. No fakes. Get funded faster and stop fraud.
Why Dealerships Trust Informativ to Stop Fraud Cold
End-to-End Showroom Compliance
Our proactive compliance platform ensures document verification happens every time—without slowing down your sales team.
Real-Time License Validation
Every license is scanned and checked for fraud the moment it enters your showroom. Remote customers? No problem—we verify those too.
No Skipping, No Shortcuts
Unlike standalone fraud tools, Informativ forces every step through a structured process—even when your team is slammed on a Saturday.
Slash Compliance Risk by 50–80%
By only collecting full credit details at the right moment (commitment to buy), your data exposure drops—along with your legal liability.
Eliminate Dead Deals
Because only committed buyers complete the full credit app, you’re not chasing ghosts. That’s time saved—and money protected.
Tangible Benefits for Your Dealership
- Sell more cars with fewer roadblocks
- Cut fraud losses to near-zero
- Stay compliant without lifting a finger
- Improve lead quality and sales velocity
- Get it all plus your credit reports for a flat rate
Ready to Wipe Out Document Fraud?
Don’t leave your dealership exposed. Eliminate fake pay stubs, fake utility bills, fake bank statements, and fake insurance cards with Informativ’s Verified Stips – powered by TurboPass.
“Before Informativ, we had no idea how often compliance steps were being skipped. Now, we’re fully locked down—and faster.”
— Variable Ops Director, Midwest Dealer Group
“This tool saved us from a $60,000 fraud deal. That alone paid for a year of service.”
— General Manager, Texas Franchise Dealer