Organized crime begins by fabricating a stolen identity, often selecting individuals with minimal or no content or attributes in their credit reports, such as homeless people, the elderly, and newborn babies—all possessing legitimate social security numbers. Subsequently, the perpetrators create or assign them with credit lines as "authorized users" of authentic credit lines or credit cards with high, unused revolving limits.

Once these manipulated lines of credit reporting agencies (CRA) like TransUnion, Equifax, and Experian, a FICO score is generated, typically ranging from 7OO to 8OO; leveraging this manufactured credit profile, Synthetic identity applicants appear as legitimate and are easily approved by lenders, particularly department stores. By blending the "authorized user" credit line status with real charge cards, a robust consumer credit report is established, facilitating the purchase of vehicles.

This elaborate process may take 1-2 years to complete. However, given the current market, where some vehicles command six figures, a single bad actor can victimize dealerships exceeding $25O,OOO per fraudster.