Sample report · synthetic documents · May 3, 2026

Unit 4B — K. Lewis

2 documents: pay stub, bank statement

Checked May 3, 2026, 2:42 PM·2 documents: pay stub, bank statement·Application plan

5 inconsistencies to review

2 High3 Medium32 checks passed

37 checksEach mark is one check

Facts about the documents, not a judgment about the applicant. Use them to decide what to verify.

iThese are facts about the documents, not a judgment about the applicant. Inconsistencies can have ordinary explanations. Use them to decide what to verify.

Pay stub · 4 Bank Cross-check · 1 Passed

Pay stub

Northwind Retail Inc · Kevin Lewis · period 03/16–03/29/2026 · paystub_0403.pdf

4 to review · 18 passed

HighNUMBERS

Net pay doesn't add up

Gross 1,923.08 minus listed deductions 561.19 is 1,361.89, but the stub shows net pay of 2,661.89 (off by 1,300.00).

Evidence · values read from the stub

DESCRIPTIONCURRENT

Gross Pay1,923.08

Total Deductions561.19

NET PAY2,661.89

Expected 1,361.89Printed 2,661.89

Expected1,361.89Printed2,661.89Difference+1,300.00

What to check

Ask the employer to confirm the net pay for the 04/03 paycheck. Use the phone number on Northwind Retail Inc's official website, not the one printed on the stub.

What this flag means →

MediumTHE FILE

Saved by a general-purpose editor

The file was produced or last saved by 'iLovePDF'. Documents issued by payroll providers and banks normally come from their own systems; confirm the document with the issuer.

Evidence

SoftwareiLovePDF, Payroll export

What to check

Ask the applicant for the stub downloaded directly from their payroll portal, and compare it with this one.

What this flag means →

MediumTHE FILE

Modified after it was created

The file was created on 04/03/2026 09:14 and modified on 04/06/2026 09:14 (3 days later). Issuer-generated statements are usually created and saved once.

Evidence · file metadata

Created04/03/2026 09:14

Modified04/06/2026 09:14

Saved byiLovePDF

Created04/03/2026 09:14

Modified04/06/2026 09:14

Created byPayroll export

Saved byiLovePDF

Rows that differ from a single export are shaded.

What to check

Ask the applicant for the stub downloaded directly from their payroll portal, and compare it with this one.

What this flag means →

MediumTHE FILE

The file was saved again after the original version

The PDF contains 2 saved revisions. Each later revision can change what the page shows while keeping the original underneath.

Evidence

Times saved2

What to check

Ask the applicant for the stub downloaded directly from their payroll portal, and compare it with this one.

What this flag means →

Bank statement

Prairie Credit Union · account ending 8519 · April 2026 · statement_apr.pdf✓ No inconsistencies in this document

0 to review · 12 passed

No inconsistencies found in this document.

Documents against each other

Pay stub ↔ bank statement

1 to review · 2 passed

HighCROSS-CHECK

Net pay never arrives in the bank account

The pay stub shows net pay of 2,661.89 on 04/03/2026, but the bank statement has no deposit of that amount within 3 days of it.

Stub net pay · 04/03$2,661.89

No matching deposit

04/03 NORTHWIND RETAIL PAYROLL DIR DEP

Closest match, on pay date1,361.89

Pay stub · net pay$2,661.89Pay date 04/03/2026

No matching deposit

Bank statement · April 2026 deposits

Deposit of 2,661.89Not found

04/03 NORTHWIND RETAIL PAYROLL DIR DEP

Closest match, on pay date1,361.89

What to check · Ask the applicant for the April 2026 statement downloaded directly from Prairie Credit Union's website or app, and confirm the 04/03 deposit amount there.

What this flag means →

Before you decide

Confirm with the source. These steps work for any applicant.

1Call the employer using the number on their official website.

2Get a bank-direct statement downloaded from the bank's site or app.

3Optional: verify income at the source with the applicant's consent.

Call the employerFind Northwind Retail Inc's HR number on their official website. Ask them to confirm employment and the 04/03 net pay.

Get a bank-direct statementAsk for the April 2026 statement downloaded from the bank's site, or have the applicant open it with you.

Optional: verify income at the sourceWith the applicant's consent, an income-verification service connects to their payroll or bank account directly.

About this report

Not a consumer report. It describes the documents, not the applicant. Apply the same screening steps to every applicant (Fair Housing Act) and don't use this report as the sole basis for a decision.

StubSure is not a consumer reporting agency, and this is not a consumer report. It describes the documents you uploaded, not the applicant.

Under the Fair Housing Act, apply the same screening steps to every applicant. Don't use this report as the sole basis for a decision.