Axle and Experian are now collaborating in the fight against fraud.

On Tuesday, Axle, a universal API for insurance data, announced a strategic collaboration with Experian to integrate Axle’s real-time automotive insurance verification into Experian’s Fraud Protect platform.

The companies highlighted their joint effort introduces a new fraud-prevention layer for automotive dealerships and lenders, helping them detect first-party and third-party fraud, including synthetic identities, reduce compliance risk, and ensure customers are properly insured before a vehicle leaves the lot.

Fraud Protect is used by dealers to validate identity, verify income, and confirm trade-in ownership. By integrating Axle’s real-time insurance verification into Experian’s modular fraud-prevention workflow, dealers can confirm active insurance coverage. This includes policy status, limits, vehicle identification number (VIN) match, and lienholder details within the same consumer-friendly, mobile workflow that integrates into any dealer’s existing systems.

“Our joint effort with Experian allows dealerships and lenders to use insurance data not just for compliance, but as a powerful fraud-prevention resource,” Axle co-founder and COO Armaan Sikand said in a news release.

“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.”

According to recent Experian research, 70% of dealers and 61% of lenders believe fraud is an increasing threat in the automotive industry.

As automotive fraud continues to rise nationwide, the ability to cross-check accurate, real-time insurance data alongside Fraud Protect’s advanced analytics and identity intelligence can provide dealers with a critical new signal to detect synthetic identities, high-risk applicants, and misrepresented trade-ins before they result in costly chargebacks or buybacks.

“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,” Experian Automotive president Robert Granados said in the news release.

“The future belongs to dealers who use advanced data and analytics to stay ahead of emerging risk. 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,” Granados went on to say.