National Threat Assessment 2008. Organised Crime - Politie

Forgeries are also used to open current accounts. The maximum amount is
then borrowed, after which the account holder assumes a different identity.
There have even been cases where a loan of hundreds of thousands of euros
was drawn down using a forged employer’s statement.
In money laundering false and falsified identity documents are used to move
unlawfully obtained assets and especially to carry out transactions at currency
exchange bureaus and money transfer offices. One group of Colombian drug
criminals used false identity documents to get drug money out of the country
via money transfers and to exchange for British pounds.
False and falsified identity documents are also used for criminal expenditure,
such as buying property. The identity of the real owner of the property can
then be concealed.
False identities, false vehicle registration documents and plates, and false
consignment notes are used on a regular basis in vehicle theft. Some criminal
organisations employ experts who supply them with forgeries. If a criminal
organization does not employ any experts, they are contracted for a job or
a for limited period of time.
Forged identity documents are used in mortgage fraud, together with forged
income details and forged valuation reports. Apart from taking out a higher
mortgage, the purpose of supplying these forged data might be to get a
mortgage that the bank would not normally give to a particular person
(e.g. because the applicant is registered with the Credit Registration Office).
Falsifying the person’s date of birth prevents being noticed by the Credit
Registration Office. People may also intend not to repay a mortgage at all.
Straw men or incorrect or forged identity details are used for that purpose as
well. The bank will then have nobody from whom it can recover the loss.
False and falsified travel documents play an important role in the illegal
transporting of people across the border. In smuggling of illegal immigrants illegal
migrants require identity papers, if they wish to use legal means of transport.
False identity documents are also used to employ victims of human trafficking.
With a false identity, fake documents (such as passports, identity cards or
employer’s statements) and by having no goods registered in their name,
criminals can basically live an unregistered life. False identity papers (or straw
men) are used to rent apartments or cars, for example. Cars are registered
in other people’s names. Falsified passports are used to register with the
chapter 5 – Criminal modus operandi
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