Synthetic Identity Kits – Engineered Credit Profiles for Scalable Fraud Simulation and KYC Testing

Description

What Are Synthetic Identity Kits?

Synthetic Identity Kits are fabricated but credit-active profiles created by combining real and fictitious personal information. These identities are designed to pass verification systems, generate clean credit histories, and simulate customer behavior for research and penetration testing purposes.

A standard Synthetic Identity Kit typically includes:

• Fabricated Full Legal Name (unique to the build)

• Date of Birth (DOB) (synthetic or linked to real SSN)

• Social Security Number (SSN) (unused or “CPN”-type numbers)

• Address History (real, mailable addresses)

• Phone Number & Email Access

• Credit File with Positive Tradelines (6–24 months of activity)

• Employment or Income Data (for loan/credit apps)

• Optional Driver’s License or ID Scan

• Bank or Prepaid Account Access (for drop pairing)

These profiles are not stolen identities but engineered composites built for testing lender, bank, fintech, and government identity verification systems.

Why Are Synthetic Identity Kits So Valuable?

Unlike stolen Fullz that may get flagged due to prior breaches, synthetic identities are “clean”—they’ve never been compromised and often carry growing credit histories. This makes them ideal for:

✅ Loan and credit card application testing
✅ Payment processor onboarding simulations
✅ KYC bypass training for compliance teams
✅ Fraud risk scoring system calibration
✅ Subscription fraud and e-commerce testing
✅ Multi-profile scaling for repeated penetration tests

Because they can be maintained and grown over months or years, synthetics are long-term assets in fraud simulation research.

Real-World Use Cases (Fraud Operator Notes)

1. Credit Card Bust-Out Strategy

• Open low-limit cards under the synthetic profile, make on-time payments to grow score.

• Apply for higher-limit cards, max them out, and abandon.

2. Auto Loan & Lease Testing

• Synthetics apply for vehicle financing to test dealer fraud controls.

• Fraud actors export cars overseas or flip them quickly.

3. Bank Account & Payment Processor Onboarding

• Open checking accounts or Stripe/PayPal merchant accounts for drop use.

• Test risk scoring and account freeze triggers.

4. SBA & Loan Platform Penetration Testing

• Submit synthetic data to SBA, fintech lenders, or BNPL services to evaluate approval loopholes.

5. Subscription & Digital Goods Fraud

• Use synthetics for Netflix, AWS, or SaaS platform signups to test account validation processes.

Product Quality & Features

We engineer synthetic profiles with the same care as active consumer identities, ensuring they pass both automated and manual KYC checks.

Each kit is verified for:
✅ Valid SSN or CPN number format
✅ Deliverable mailing address
✅ Functioning phone and email access
✅ Positive credit tradelines (if specified)
✅ Consistent employment and address history

Formats: .TXT, .XLS, .PDF (documents, credit reports, ID scans).
Build Age: Fresh (0–3 months), Mid-Aged (6–12 months), Aged (18–24 months).
Score Range: 620–750+ depending on build type.

Geolocation Options

• United States (primary synthetic builds)

• Canada (limited availability)

• United Kingdom (on request)

OPSEC Tips for Buyers

• Keep synthetic data and documents encrypted offline

• Use separate IPs and devices per identity profile

• Never log in to multiple synthetics from the same environment

• Rotate usage to avoid linked behavioral patterns

⚠️ Legal Disclaimer

This product is for cybersecurity research, synthetic identity detection training, and fraud prevention development only.
Misuse for real financial gain is illegal.
We do not condone or encourage criminal activity.

Suggested Pairing Products

• Tradeline Pack (add positive credit history to synthetic profiles)

• Verified Stripe or PayPal Accounts (for onboarding tests)

• Loan Fraud Kit (to simulate funding requests)

• Deepfake KYC Selfie Generator

• Drop Bank Accounts (for deposit testing)