---
title: "Document Fraud Detection Software | Pay Stub and W-2 Fraud | Truv"
category: Products
url: "https://truv.com/products/document-fraud-detection"
description: "AI-driven document fraud detection for income, employment, and financial verification. 99.9% accuracy on submitted pay stubs, W-2s, 1099s, and 1040s."
---

# Document Fraud Detection

Document-based income verification with built-in fraud prevention. Truv extends a payroll-first verification waterfall with an AI-powered document layer that catches forged or altered records, automatically restores tampered fields, and keeps borrowers moving through application — without manual review.

- **URL:** https://truv.com/products/document-fraud-detection
- **Contact:** https://truv.com/contact-sales

## What Truv Provides

### AI-Driven Document Verification

OCR plus fraud-detection models analyze borrower-uploaded paystubs, W-2s, 1099s, and 1040s. Income calculation is approved under Freddie Mac's AIM Check API.

### Built-In Fallback for the Verification Waterfall

When direct payroll or bank connections fail, document upload preserves coverage so applications don't drop off. Verifications continue inside the same flow rather than handing borrowers back to a manual upload portal.

### Forged & Altered Record Detection

Catches edited values, copy-pasted layouts, and inconsistent metadata that traditional OCR misses. Flags suspicious documents before they reach underwriting.

### Automated Field Restoration

When alteration is detected, Truv automatically returns the inferred original values alongside the flag, reducing the volume of manual reviews needed.

### Customizable Document Requirements

Specify the type and number of required documents per application to reduce back-and-forth with borrowers.

## Key Differentiators

- **Coverage:** Powers more complete verifications by filling gaps that direct connections leave behind.
- **Risk Reduction:** Market-leading AI detection of forged and altered income documents.
- **Conversion:** Boost approvals and pull-through without adding manual lift.
- **Customization:** Tailor required document types and counts to your underwriting policy.
- **Automation:** Auto-restoration of altered fields routes fewer files to manual review.

## Industries Served

Mortgage lending, home equity lending, consumer lending, auto lending, tenant screening, and background screening.

## Related Pages

- [Income Verification](https://truv.com/products/income-verification)
- [Bank Income Verification](https://truv.com/products/bank-income-verification)
- [Document Upload](https://truv.com/public-sector/document-upload)
- [Truv Bridge](https://truv.com/platform/truv-bridge)
- [Waterfall](https://truv.com/platform/waterfall)
- [Mortgage Lending](https://truv.com/mortgage-lending)
- [Contact Sales](https://truv.com/contact-sales)