Axle partners with Experian to integrate real-time auto insurance verification into Fraud Protect, helping dealers detect identity fraud and reduce risk at the point of sale.
Axle, a provider of real-time insurance data APIs, announced a strategic collaboration with Experian to integrate its verification technology into Experian’s Fraud Protect™ platform, giving automotive dealers and lenders a new tool to detect fraud and strengthen compliance.
The partnership will allow dealerships to instantly confirm whether a customer has active, valid auto insurance before a vehicle leaves the lot — a step that can help prevent identity fraud, income misrepresentation, and other costly risks.
Real-Time Verification at the Point of Sale
Experian’s Fraud Protect platform is widely used by dealers to validate identities, verify income, and confirm ownership of trade-in vehicles. With the addition of Axle’s technology, dealers will now be able to verify insurance coverage in real time within the same workflow.
The integration provides immediate confirmation of key details, including policy status, coverage limits, vehicle identification number (VIN) matches, and lienholder information — all through a mobile-friendly system designed to fit seamlessly into existing dealership processes.
The companies say this added layer of data will help dealers spot potential red flags earlier, particularly as fraud schemes grow more sophisticated.
Rising Threats in Auto Finance
Automotive fraud has become an increasing concern across the industry. According to recent Experian research, 70 percent of dealers and 61 percent of lenders believe fraud risk is on the rise.
Synthetic identities, falsified documentation, and misrepresented trade-ins have all become more common, often exploiting gaps in digital sales workflows.
“Fraud isn’t just increasing — it’s becoming more intelligent, exploiting digital retail workflows, identity gaps, and behavioral signals that legacy tools were never built to detect,” said Robert Granados, President of Experian Automotive. “Integrating Axle’s real-time insurance verification into Experian’s Fraud Protect empowers dealers to assess additional identity and vehicle components to mitigate potential fraud risk and protect their portfolios.”
By cross-checking insurance information alongside identity and income data, dealers can make more informed decisions before approving a transaction, reducing the likelihood of chargebacks and buybacks after the fact.
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Turning Compliance Into Protection
For Axle, the collaboration represents an opportunity to position insurance verification as more than a regulatory requirement.
“Our joint effort with Experian allows dealerships and lenders to use insurance data not just for compliance, but as a powerful fraud-prevention resource,” said Armaan Sikand, Co-Founder and Chief Operating Officer of Axle. “By embedding Axle directly into Fraud Protect, dealers can instantly verify insurance and gain clarity on whether a customer is properly covered — reducing risk while creating a seamless experience for the buyer.”
The companies said the integrated solution is available to dealers using Experian’s Fraud Protect platform.
