The spread of identity politics and the grouping of people into "privileged" or "disadvantaged" groups based on immutable physical characteristics is evidence of this.  

This is the oldest trick in the book tenants will pull “ my account got screwed up “ “they seized my accounts at the bank” “ hackers stole my identity so I’m getting it all worked out this week “ . “ Russian counter intelligence have infiltrated my accounts ”I always tell tenants the same thing when they come up with this crap .

It seems like mortgage fraud on the bank's behalf in my opinion. 

Occupancy fraud is still on the rise (according to Corelogic's 2018 numbers, see below) although the number one type of mortgage fraud as of 2018 is Income fraud.Stephaniehttps://www.corelogic.com/downloadable-docs/mortgage-fraud-report-sept-2018-screen-091118.pdf 

Even with all that work it won't protect you from fraud or negligence and could still be pierced...So again, why bother with all this if none of that applies?

You authorize Experian to obtain such information solely to confirm your identity.

If you don't, it can be looked at and dealt with as mortgage fraud.

I own property A, and I have two identical alleyways, one on each side of my property that lead into the backyard of property B.

It is a scam to get banking information from the seller's account and can be used for identity theft.

If you tell them you are going to live in the 4 plex (for the first year) but don't actually occupy, that is probably mortgage fraud, false statements, mail fraud, bank fraud and unjust enrichment.