False statements to obtain property or credit. Lying on a loan application may seem harmless, but even if a lender does not verify every piece of information, it is still considered fraud.Virginia law contains a number of criminal offenses related to forgery and uttering a false instrument. Such charges are treated seriously. Don't talk to the agent, and hire a lawyer. One exception is a state statute that prohibits debt collectors from creating or using paperwork made to look like official legal documents. Find information and tools to submit a consumer complaint to the Consumer Financial Protection Bureau.