The Northern District of Georgia says Luther Davis and CJ Evins used impersonation and fabricated documents to trigger fraudulent loan closings. The alleged conduct involved disguises and fake collateral/contracts to obtain about $19.845M.

Federal prosecutors described a scheme in which Luther Davis and CJ Evins allegedly used identity impersonation to compromise lender safeguards and obtain large loan proceeds. The U.S. Attorney’s Office for the Northern District of Georgia states that the defendants posed as professional athletes and sought financing by presenting fraudulent loan-related materials. Prosecutors said the scheme relied on both fabricated documentation and physical disguises. The defendants allegedly brought fake collateral and contract documents to loan closings to create an appearance of legitimate ownership and eligibility. In addition, they reportedly used wigs and makeup to better match the athletes they were impersonating when interacting with parties involved in the loan process. The government tied the misconduct to wire fraud conspiracy and aggravated identity theft, indicating that the fraud was carried out through communications and transactions that involved the federal wire system and that identity misuse was central to the offense. Davis and Evins entered guilty pleas in the case, reflecting the government’s position that the impersonation was purposeful and directly connected to obtaining approximately $19.845 million in loans through false pretenses. The matter illustrates how identity deception plus document fraud can be used to exploit underwriting and closing processes, producing losses far beyond typical consumer scams.