Defender Response

Introduction

Informed Defender is a Document Intelligence add-on product that identifies the likelihood of documents within a loan application being misrepresented. Informed Defender uses industry-leading consortium data along with other visual and content-related document information to help lenders mitigate losses by catching misrepresentations.

Please contact your account representative if you would like to add Informed Defender to your workflow.

Process Flow

If you are already using the Informed platform to classify and extract information from documents leading to verifications, the good news is that you will not have to do much additional work because the misrepresentation report is built right into the existing verifications callback.

Receive callbacks

The Informed Defender report regarding the misrepresentation (misrep) risk of the uploaded income documents will be transmitted back in the normal asynchronous verifications callback.

A couple things to note about the payload:

• Informed Defender catches misrep at an application level. In other words, the whole application is flagged if any documents contain misrepresentation.
• The activity performed and results are shown for all applicable document types that were analyzed, whether they have misrepresentation or not.

The following document types are analyzed for misrepresentation:

• paystubs
• bank statements
• utility bills
• phone bills

Possible reasons for misrepresentation in documents:

• Cross-Lender Collisions
• Formatting/Alignment/Typography Issues
• File Metadata Issues
• Fraudulent Templates

Defender Verifications format

{
  "event_type": "verifications",
  "application_id": "unique-Informed-app-id",
  "application_reference_id": "partner application id",
  "initial_status": "pass",
  "current_status": "review",
  "application_status": "active",
  "data_sources": {
    "image_files": [
      {
        "file_id": "5116fbd9-f442-4f07-8108-a233f3d41e20",
        "file_reference_id": "paystub_mr6_mr8.pdf"
      },
      {
        "file_id": "96aeeef9-0577-4817-8a2b-33fe31fd8f0d",
        "file_reference_id": "paystub_mr15_one.pdf"
      },
      {
        "file_id": "b2e7fa18-7a91-4cef-b8da-e887d96ae5de",
        "file_reference_id": "paystub_mr1.pdf"
      },
      {
        "file_id": "30a906ab-75a0-4ab8-9d18-5f274952e5a3",
        "file_reference_id": "informed_paystub_fl.pdf"
      }
    ],
    "structured_data": []
  },
  "verifications": {
    "misrepresentation": [
      {
        "status": "review",
        "belongs_to": "application",
        "updated_at": "2026-01-28 19:13:42 +0000",
        "description": "",
        "verification_questions": {
        },
        "acceptable_documents": {
          "paystub": [
            {
              "document_id": "3e96576f-54aa-4f2e-b901-e681e55e7da8",
              "file_ids": [
                "96aeeef9-0577-4817-8a2b-33fe31fd8f0d"
              ],
              "file_reference_ids": [
                "paystub_mr15_one.pdf"
              ],
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "true",
                  "status": "review"
                },
                "misrepresentation_reason": {
                  "question": "What is the reason for misrepresentation?",
                  "expected": "",
                  "answer": "Cross-Lender Collisions",
                  "status": "pass"
                }
              },
              "category": "Paystub"
            },
            {
              "document_id": "fa00cced-fae1-4ad4-9a04-c91ab0369d51",
              "file_ids": [
                "30a906ab-75a0-4ab8-9d18-5f274952e5a3"
              ],
              "file_reference_ids": [
                "informed_paystub_fl.pdf"
              ],
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "false",
                  "status": "pass"
                },
                "misrepresentation_reason": {
                  "question": "What is the reason for misrepresentation?",
                  "expected": "",
                  "answer": "",
                  "status": "pass"
                }
              },
              "category": "Paystub"
            },
            {
              "document_id": "f0ac6551-759d-4bf1-becf-0f381e30979b",
              "file_ids": [
                "b2e7fa18-7a91-4cef-b8da-e887d96ae5de"
              ],
              "file_reference_ids": [
                "paystub_mr1.pdf"
              ],
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "true",
                  "status": "review"
                },
                "misrepresentation_reason": {
                  "question": "What is the reason for misrepresentation?",
                  "expected": "",
                  "answer": "Fraudulent Templates, Cross-Lender Collisions",
                  "status": "pass"
                }
              },
              "category": "Paystub"
            },
            {
              "document_id": "1d2368c4-67c0-4acb-813f-aedf39729efb",
              "file_ids": [
                "5116fbd9-f442-4f07-8108-a233f3d41e20"
              ],
              "file_reference_ids": [
                "paystub_mr6_mr8.pdf"
              ],
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "true",
                  "status": "review"
                },
                "misrepresentation_reason": {
                  "question": "What is the reason for misrepresentation?",
                  "expected": "",
                  "answer": "Formatting/Alignment/Typography Issues, Fraudulent Templates",
                  "status": "pass"
                }
              },
              "category": "Paystub"
            }
          ]
        },
        "recommendations": []
      }
    ]
  }
}

Below is an image of how this misrepresentation verification format would appear in the VerifyIQ user interface: