84%
of auto lenders report suspected or confirmed auto loan fraud in the past year.
4
fraudulent deals per year is the average dealers report completing before detection.
Today’s fraud is organized, sophisticated, and technology-enabled across the retail ecosystem — from synthetic identities and stolen credentials to falsified income and trade-in misrepresentation, often impacting dealerships and financial institutions within the same deal. Fraud risk begins at online lead submission and extends through delivery and early payment performance, affecting
- Digital and in-store transactions
- Identity and document integrity
- Funding confidence
- Trade-in vehicle values
- Portfolio performance
- Compliance exposure
- Customer experience and trust
Experian Automotive helps dealers and lenders detect risk earlier and act with greater transaction confidence.
Automotive fraud differs from other industries:
- Complex, indirect multi-party transactions (consumer, dealer, auto lender).
- High-value assets that can be rapidly moved or retitled.
- Speed-driven retail environments.
- Trade-in misrepresentation impacting equity and deal structure.
- Compliance and reputational exposure.
Single-point fraud checks miss automotive complexity. Experian applies enterprise-grade capabilities optimized for retail automotive workflows.
For Dealers
Dealerships face exposure to:
- Stolen and synthetic identity buyers
- Altered or fake documentation
- Income misrepresentation
- Deal unwinds and chargebacks
- Trade-in misrepresentation
- Reputational damage
Experian delivers visibility into identity and transaction risk — helping protect revenue and lender relationships.
Fraud Protect™
Automotive-focused identity and transaction risk intelligence designed to help dealerships identify suspicious buyers and deal-level risk before delivery.
For Lenders
Auto lenders must balance:
- Growth and dealer experience.
- Fraud loss containment.
- Portfolio performance.
- Regulatory oversight.
Experian helps identify suspicious identity patterns, first-party misrepresentation, and coordinated fraud activity — supporting confident funding decisions and reducing early payment default exposure across channels.
Hunter Automotive Fraud Alliance©
A collaborative fraud intelligence network for auto lenders, enabling broader visibility into current and emerging signals that are undetectable within a single institution.
Automotive Fraud Research
Industry analysis focused exclusively on fraud trends within the automotive ecosystem.
Our lender and dealer fraud studies provide data-backed insights on:
- Evolving identity and synthetic fraud patterns.
- Retail transaction vulnerabilities unique to auto.
- Early payment performance linked to fraud indicators.
- Emerging schemes impacting dealers and financial institutions.
Designed to inform executive strategy and benchmark exposure across the industry.
To learn more about our auto fraud prevention solutions, please fill out the form below.
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