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A smarter way to stop synthetic fraud.
Synthetic identity fraud is not slowing down, and it is more sophisticated than traditional application fraud.
Unlike altered paystubs or fake IDs, synthetic fraud does not rely on document manipulation. Instead, fraud rings exploit gaps in credit file creation to manufacture new credit files under false identities. These synthetic identities are built by combining stolen or random SSNs with a mix of real and fabricated personal information, gradually building legitimacy until the file appears to be a typical consumer profile.
These identities are often marketed as “CPNs” or bundled into “apartment approval packages.” On the surface, the credit file looks legitimate. However, the SSN may not actually belong to the applicant.
For leasing teams, this creates a dangerous blind spot. The credit report appears routine. The application passes standard checks. The risk often is not uncovered until much later.
The result?
Avoidable bad debt. Costly evictions. Operational strain on onsite teams.
In our pilot program, over 4% of applications were flagged for synthetic fraud. With eviction costs averaging approximately $10,000 per case, the downstream financial impact is significant
Credit reports alone are no longer enough. In today’s environment, operators need deeper identity validation, not just confirmation that an SSN exists, but verification that it truly belongs to the applicant.
What SSN Integrity Verification Does
Esusu Identity Services (EIS) now offers SSN Integrity Verification, designed specifically for multifamily operators.
Instead of simply confirming that an SSN exists, we answer the real question:
Does SSN actually belong to this applicant
Our verification engine:
- Confirms SSNs and core identity attributes against a trusted financial identity network of 300M+ records
- Validates against public and authoritative data sources, including records linked to the Social Security Administration
- Identifies patterns consistent with synthetic and compromised identity behavior
- Delivers a clear PASS | FAIL decision with contextual risk signals
All within your existing workflow.
No added complexity. No guesswork.
Why It Matters for Your Portfolio
Reduce bad debt exposure
Flag synthetic and compromised SSNs before lease approval, not after move-in.
Strengthen screening confidence
Add an additional layer of protection where credit data alone may fall short.
Create operational clarity
Risk is distilled into a simple decision signal. Your teams don’t need to become fraud analysts.
This is identity risk addressed in one integrated step.
EIS integrates seamlessly with major PMS platforms including Yardi, RealPage, Entrata, and more.
Built for the Modern Multifamily Risk Environment
SSN Integrity Verification is powered by the combined strengths of Esusu and Celeri, now unified as Esusu Identity Services.
We bring together:
- Credit ecosystem expertise
- Multifamily-specific fraud prevention
- Identity intelligence at scale
All under one platform.
The goal is simple: Expand access to housing while protecting your assets from sophisticated fraud.
Ready to Add Another Layer of Protection?
SSN Integrity Verification is available as an add-on to EIS ID Verification.