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Falsifier un dossier de location : quels sont les risques ? (Paris)

Fausses fiches de paye, faux CDI, avis d’imposition trafiqués… Face aux exigences des bailleurs et surtout des agences immobilières vis-à-vis des dossiers des candidats locataires, ces derniers sont nombreux (près d’un locataire sur deux) à falsifier une ou plusieurs pièces de leur dossier pour l’enjoliver et tenter d’obtenir un logement. Mais que risque-t-on concrètement lorsqu’on fournit un dossier de location frauduleux à un bailleur ou une agence? Selon la FNAIM, le phénomène toucherait en moyenne 20 % des dossiers pour les bailleurs particuliers, contre 10 % chez les professionnels. Et parmi ces dossiers, 1 à 2 % arrivent à passer entre les mailles du filet. Outre la crise et la difficulté grandissante de joindre les deux bouts pour beaucoup de foyers, la démocratisation de la fraude s’explique aussi par l’accès de plus en plus facile à des moyens technologiques efficaces : logiciels de retouche d’image, scanneurs ou imprimantes haute définition sont devenus aujourd’hui des équipements courants. Cependant, si la retouche de documents est relativement facile à effectuer, c’est au niveau de la cohérence entre les différentes pièces que le travail se complique (surtout entre l’avis d’imposition et les fiches de paye). C’est pourtant ce point que de nombreux bailleurs ou agences regardent en priorité, un simple calcul permettant de vérifier la véracité des chiffres.
Les risques encourus… en théorie
Produire de fausses pièces justificatives et s’en servir pour tenter d’obtenir une location relève du faux et usage de faux un délit puni tout de même de trois ans d’emprisonnement et de 45 000€ d’amende. Le locataire peut également être poursuivi pour escroquerie, punie de 5 ans de prison et 375 000€ d’amende. Par ailleurs, selon l’article 1109 du Code civil, un locataire rendu coupable d’une telle fraude s’expose à une annulation de son bail.
Et dans la pratique? Dans la pratique, les chances pour le locataire fraudeur de se retrouver devant un tribunal restent faibles, a fortiori si la fraude est découverte avant l’acceptation du dossier. Dans l’immense majorité des cas, les bailleurs ou les agences ne donnent simplement pas suite à la candidature.
Si la fraude est découverte alors que le bail est déjà signé, cela reste compliqué pour le propriétaire, car c’est à lui de prouver l’existence de la fraude. Or il dispose de peu de marge de manœuvre pour procéder à des vérifications. S’il peut appeler un employeur pour lui demander l’exactitude du contrat de travail, ce dernier n’est pas dans l’obligation de répondre. S’il veut procéder à des vérifications relatives à la solvabilité du locataire, il se heurte au secret bancaire ou fiscal.
Il s’agit donc d’une procédure complexe, longue et coûteuse qui a d’autant moins de chances de réussir que le locataire paye bien ses loyers. De plus, elle est susceptible de créer des tensions avec le locataire, ce qui n’est jamais souhaitable.
LocService aide les bailleurs à vérifier les dossiers des candidats
Pour aider les propriétaires dans leur recherche de locataire et aussi valoriser les locataires sérieux, LocService a conclu un partenariat avec la société BePrem’s pour leur proposer une nouvelle offre privilège baptisée Vérification du dossier locataire. Il faut noter que la commission nationale de l’informatique et des libertés (CNIL) interdit aux agents immobiliers d’établir une liste des locataires ayant déjà tenté de frauder.

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