qualify for loans , mortgages , car purchases and apartment leases , among other transactions .
These businesses claim to simply provide the documents as " novelties ," and explicitly state they ’ re not distributing their wares to aid and abet illegal activity .
I first learned about his when , after retiring from professional baseball , I invested in a small portfolio of apartments in Los Angeles . Almost immediately , my partner and I saw bogus pay documents submitted with lease applications .
We thought there had to be a better way .
Your Own Personal Fraud Coach
You can see crowd-sourced , digital fraud collaboration firsthand with a simple Google search .
Take this YouTube video from a fraud " coach " who warned her followers to steer
" In the U . S ., reports of fraud , identity theft and other deceptions spiked by 67 % between 2019 and 2021 , according to the Federal Trade Commission "
clear of apartment communities that use my technology firm ' s fraud detection software , so as not to get caught trying to falsify their income on rental applications with the help of fake paystubs .
The host of the video advises her followers that she ' s not presenting her information to help them commit a crime . " We are not here to help you defraud the banks , government or
creditors in any way ," she says . " We are just educating ."
She then goes on to “ teach ” watchers how to avoid getting caught – namely by advising them get someone else to commit fraud on their behalf by adding the user ' s name to a legitimate company ' s payroll without actually being an employee .
Cause & Effect
SECURITY
The reasons behind the growth of the fraud economy are multifaceted . They include increased digitization in all walks of life normalizing a sense of anonymity – and the inherent lack of accountability that goes with it – in our interactions with others .
The hardship of many frontline workers during the pandemic , mixed with soaring inflation , are additional factors . Eroding trust in institutions and rising dissatisfaction with public life , as well as a surge in crime may also contribute .
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