In today’s showrooms, fraud doesn’t walk in wearing an obvious disguise. It looks like a “perfect” deal:
- Clean driver’s license
- Solid story
- Willing to sign anything
… and then the payments never show up.
Your team is stuck in the middle: protect the store from fraud and keep the buying experience fast and friendly. That’s exactly what Fraud Protect™ is built to do—a web-based Experian solution that helps automotive dealers quickly verify customer identities and detect fraud risk right from their CRM, on the customer’s own phone.
How Fraud Protect makes identity verification quick and easy
Fraud Protect is designed to slide into the process you already use, not blow it up. Here’s the actual flow.
The dealer starts everything from the CRM:
- Your team sends the customer a secure link directly from your CRM via SMS or email.
- The customer opens that link on their own mobile device and completes the flow on their phone.
No special hardware. No juggling devices at the desk.
2. License authentication
Next, the customer authenticates their driver’s license:
- They scan their license using their phone camera.
- The image is securely captured and processed in the background to ensure the license complies with standards.
This kicks off document checks and helps anchor the identity to a real-world credential, without unsecured paper or digital copies, creating additional dealership risk!
3. Selfie capture for biometric match
Then Fraud Protect confirms the person matches the document:
- The customer takes a selfie on their phone.
- Fraud Protect performs a biometric match between the selfie and the license image.
If someone is trying to use a stolen or borrowed ID, this is where things start to fall apart for them.
4. One-time passcode (OTP) verification
Fraud Protect also validates digital contact points if a heightened risk of third-party fraud is determined :
- A one-time passcode is sent to confirm the customer’s mobile phone number.
- The customer enters that OTP, proving they control those channels.
Now you’ve tied a face, an ID, and real contact points together.
5. Identity verification & results into the CRM
Behind the scenes, Fraud Protect:
- Runs the collected data through Experian’s fraud and identity analytics, including historical identity information and credit usage patterns.
- Identifies potential risks tied to that identity.
- Sends clear, easy-to-read results back into the dealer’s CRM—icons, scores and flags your team can actually act on.
What’s powering all this under the hood
Fraud Protect sits on Experian’s proven fraud and identity stack:
- Precise ID® – Experian’s identity risk and fraud platform, using machine learning to detect first-party, third-party and synthetic identity fraud. Datos Insights named Experian’s First Party Fraud Scores a Silver Medalist for Best First-Party Fraud Innovation in its 2025 Impact Awards
- CrossCore® – Experian’s fraud and identity orchestration platform, recognized by KuppingerCole as an Overall, Product, Innovation and Market Leader in Fraud Reduction Intelligence Platforms.
These aren’t just our claims. The superiority of Experian’s fraud prevention capabilities has been recognized by reputable industry experts, such as Datos Insights, Juniper Research, KuppingerCole, and others—proof that the analytics you rely on have been tested and validated outside of your four walls.
What this actually means for dealers
Boil it down, Fraud Protect gives you:
- Streamlined identity proofing : Customers complete license scan, selfie and OTP verification on their own phone via a secure link from your CRM—no clunky hardware, no awkward workflows. And it works well in-person or remote.
- Stronger fraud detection up front: Identity, device and contact points are tied together and evaluated using Experian’s fraud analytics, helping you spot high-risk identities before the deal advances.
- Simple, actionable results for your team: Instead of raw data, users see clear scores, icons and flags in the CRM, so they know when to green-light, step up verification or escalate friction.
- Documented protection: Creates a consistent, documented identity verification trail that helps show lenders you’ve met your obligations to appropriately verify customers—supporting a stronger fraud mitigation posture and helping reduce fraud-related charge-offs and disputes.
You get more confidence in the deals you say “yes” to, and a better footing when questions come up later.
When to put Fraud Protect on the table
Fraud Protect is worth a serious look if you’re seeing:
- More ID-related issues or suspicious stories at the desk
- Growth in remote, digital or hybrid deals where you can’t rely on in-person cues
- Pressure from lenders or OEMs to tighten identity verification and fraud controls
- Increasing lender chargebacks or funding challenges tied to suspected fraud or identity concerns
- Lack of clear criteria for determining which deals to scrutinize more closely and which to fast-track
- Internal concern about first-party or synthetic fraud sneaking through as “good” deals
In those scenarios, Fraud Protect gives you a way to upgrade your identity verification to something lenders recognize and customers are already used to from other digital experiences.
Explore Fraud Protect: https://www.experian.com/automotive/fraud
