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Identity Theft Statistics

The Identity Theft Resource Center (ITRC) recently announced its 2017 Data Breach report and it’s no surprise that breaches are up.

Last year there were 1,579 data breaches exposing nearly 179 million records.

That represents a 44% increase in the number of breaches and a 389% increase in records exposed.

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The IRTC report also stated that the number of credit card numbers exposed in 2017 totaled 14.2 million, up 88% over 2016. In addition, nearly 158 million Social Security numbers were exposed in 2017, an increase of more than eight times the number in 2016.

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Identity theft is one of the most common outcomes from data breaches. 31.7% of breach victims in 2016 later experienced identity fraud, compared to just 2.8% of individuals not notified of a data breach in 2016, according to Javelin.

The Federal Trade Commission’s Consumer Sentinel Network Report stated that identity theft accounted for 13.87% of all consumer complaints in 2017.

Also, according to a survey conducted by Experian, as of August 2017 most Americans were worried their information could be stolen, as 73% said they are very or somewhat concerned their email, financial accounts or social media info could be hacked, up from 69% in a similar survey conducted in 2015.

Types of Identity Theft

Credit card fraud was the most common form of identity theft (133,015 reports), followed by employment or tax-related fraud (82,051 reports), phone or utilities fraud (55,045 reports), and bank fraud (50,517 reports) in 2017, according to the FTC.

Other significant categories of identity theft reported by victims were loan or lease fraud (30,034) and government documents or benefits fraud (25,849 reports). Credit card fraud also increased 23% over 2016, overtaking employment or tax-related fraud as the most common.

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Fraud Statistics

Consumers reported $905 million in total fraud losses in 2017, a 21.6% increase over 2016. The with a median amount lost was $429.

Consumers reported $905 million in total fraud losses in 2017.

  • 21% of the consumers who reported a fraud-related complaint lost money. The most common method money was paid out was via wire transfer.
  • 64% of all fraud-related complaints reported the method of initial contact.
    • Of those complaints, 69.8% said the telephone and 9.7% said e-mail.
    • Only 5% of those consumers reported mail as the initial point of contact.
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At-Risk Age Groups

When it comes to scams, children and seniors are at the biggest risk.

Child Identity Theft

There were 13,852 identity theft complaints to the Federal Trade Commission in 2017 affecting children and teens (age 19 and under), which represents 3.89% of all identity theft complaints for the year. This is a slight decrease since 2016, but it’s still a huge issue as many times this can go unnoticed since children or their parents aren’t often checking a child’s credit.

In 2017, there were 13,852 complaints of child and teen identity theft.

Experian is alerted to 25,000-30,000 fraud cases reported each year and approximately 17% were targeted at children. Child identity fraud or theft will affect 25% of kids before turning 18.

Senior Identity Theft/Senior Scams

The FTC also reported that 35% of fraud complaints and 18.9% of ID theft complaints impacted seniors (Americans who are 60 years or older) in 2017. Seniors can fall victim to scammers if they trust the wrong person, who may develop a relationship over time by preying on them over the phone or via email.

Identity Theft Statistics by State

Michigan is the state with the highest per capita rate of reported identity theft complaints. Florida, California, Maryland and Nevada rounded out the top 5 states where ID theft complaints were made according to the FTC.

Identity Theft Complaint Report by State (2017)
Rank Victim State Complaints Per 100,000 Population Complaint Reports
1 Michigan 151 15,027
2 Florida 149 31,167
3 California 140 55,418
4 Maryland 129 7,788
5 Nevada 128 3,828
6 Delaware 126 1,211
7 Illinois 124 15,841
8 Rhode Island 123 1,302
9 Georgia 120 12,548
10 Arizona 119 8,330
11 Texas 118 33,454
12 Connecticut 114 4,078
13 Colorado 108 6,051
14 New Jersey 106 9,533
15 New York 103 20,397
16 Washington 99 7,360
17 Pennsylvania 97 12,468
18 North Carolina 92 9,424
19 New Mexico 91 1,909
20 Virginia 90 7,656
21 South Carolina 90 4,509
22 Oregon 90 3,714
23 Massachusetts 88 6,016
24 Tennessee 83 5,586
25 New Hampshire 82 1,097
26 Missouri 82 4,994
27 Utah 79 2,452
28 Idaho 79 1,356
29 Ohio 78 9,121
30 Minnesota 78 4,324
31 Indiana 75 5,027
32 Alabama 74 3,609
33 Oklahoma 74 2,901
34 Kansas 72 2,100
35 Louisiana 71 3,340
36 Arkansas 69 2,084
37 Mississippi 69 2,064
38 Kentucky 69 3,060
39 Wyoming 67 389
40 Alaska 67 494
41 Wisconsin 64 3,731
42 Hawaii 62 890
43 North Dakota 62 467
44 Nebraska 61 1,170
45 Montana 61 638
46 Maine 60 806
47 Iowa 59 1,870
48 Vermont 57 354
49 West Virginia 55 1,000
50 South Dakota 46 403
Source: FTC Consumer Sentinel Network Data Book 2017

Fraud Statistics by State

Approximately 1.1 million complaints were fraud-related last year, and Florida is the state with the highest per capita rate of reported fraud and other types of complaints, followed by Georgia and Nevada. Consumers reported paying over $744 million in those fraud complaints with the median amount paid at $450.

Fraud and Other Complaint Reports by State (2017)
Rank Consumer State Complaint Reports Per 100,000 Population Complaint Reports
1 Florida 993 208,443
2 Georgia 924 96,316
3 Nevada 770 23,071
4 Delaware 758 7,290
5 Michigan 750 74,689
6 Texas 729 206,305
7 Maryland 694 42,032
8 Alabama 687 33,467
9 South Carolina 660 33,137
10 Tennessee 649 43,579
11 Arizona 644 45,158
12 Missouri 640 39,148
13 Virginia 613 51,932
14 Ohio 598 69,764
15 New Mexico 590 12,326
16 North Carolina 587 60,261
17 Louisiana 582 27,266
18 California 570 225,296
19 Colorado 568 31,833
20 Rhode Island 561 5,947
21 Pennsylvania 560 71,771
22 New Jersey 556 50,085
23 Connecticut 541 19,402
24 Indiana 521 34,765
25 Washington 521 38,549
26 Illinois 518 66,353
27 Mississippi 514 15,339
28 Oregon 512 21,225
29 New York 510 101,265
30 New Hampshire 509 6,832
31 Kentucky 502 22,371
32 Kansas 501 14,586
33 West Virginia 493 8,953
34 Massachusetts 481 33,006
35 Arkansas 481 14,438
36 Oklahoma 478 18,770
37 Idaho 477 8,187
38 Montana 473 4,968
39 Wisconsin 452 26,196
40 Minnesota 434 24,200
41 Hawaii 428 6,116
42 Maine 423 5,647
43 Wyoming 414 2,396
44 Utah 413 12,817
45 Alaska 406 3,005
46 Nebraska 395 7,590
47 Vermont 388 2,417
48 Iowa 330 10,370
49 South Dakota 309 2,689
50 North Dakota 277 2,090
Source: Federal Trade Commission

The Financial and Emotional Impacts of Identity Theft

The ITRC’s latest Aftermath study showed 27% of identity theft complainants reported they contacted law enforcement about the theft. Of those, 87% indicated a report was taken.

However, identity theft has consequences beyond the loss of data and personal information—it can take a lot of time and money to resolve and can bring emotional distress. The statistics from the study show:

  • 26% of respondents had to borrow money from family or friends.
  • 22% took time off work.
  • 15.3% of respondents sold possessions to pay for expenses caused by their identity theft.
  • 6.7% obtained a payday loan.

26% of survey respondents borrowed money from family or friends to deal with identity theft and 7% obtained a payday loan.

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When it comes to the emotional impact of identity theft, many feel annoyance about the fact that they have to spend so many hours dealing with the problem, often taking time away from work. These statistics about the emotional impact of identity theft:

  • 66% of respondents experienced fear regarding their personal financial security.
  • 53% felt a sense of powerlessness or helplessness.
  • 7% reported feeling suicidal. (If you’re feeling suicidal for this or any other reason, please call the National Suicide Prevention Lifeline at 1-800-273-8255.)
  • 75% of identity theft victims reported that they were severely distressed by the misuse of their information.
  • 25% of respondents said they sought professional help to manage their identity theft experience—either going to a doctor for their physical symptoms, or seeking some kind of counseling (therapy, group therapy, or some kind of support in that manner for the emotional implications).

Fraud and Identity Theft Statistics by Type

Credit Card Fraud

More than 32% of Americans complained about credit card fraud in 2016, double the rate from 2015, according to the Federal Trade Commission. Javelin Strategy reported that criminals stole $16 billion via identity fraud in 2016 and ecommerce fraud increased more than 30% in the first six-months of 2017 according to Experian.

More than 32% of Americans complained about credit card fraud in 2016, according to the FTC.

Holiday Shopping Fraud

During the 2017 holiday season (Thanksgiving Day through December 31), online fraud attempts increased 22% over 2016, according to new benchmark data from ACI Worldwide. The number of eCommerce transactions grew by 19%.

Fraud attempts were highest on:

  • Thanksgiving Day: 1.94%, up from 1.26% in 2016
  • Christmas Eve: 1.78%, up from 1.48%
  • December 21 (the cutoff date for express shipments): 1.67%, up from 1.49%

During the 2017 holiday season, 1 out of every 85 transactions was a fraudulent attempt.

During the 2017 holiday season, 1 out of every 85 transactions was a fraudulent attempt, compared to 1 out of every 97 transactions in 2016 and 1 out of every 109 transactions in 2015.

Imposter Scams

Impostor Scams, when a scammer pretends to be someone you know and trust, moved up to be the number one complaint to the FTC in 2017. One in five people who were victims of an imposter scam lost money, totaling $328 million. For military consumers, imposter scams were the number one complaint category in the Consumer Sentinel Network Report, followed by telephone and mobile services at number two.

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Mail Identity Theft

Mail identity theft is one of the oldest ways for a criminal to steal your personal information and according to the US Postal Service’s Annual Report, it received over 60,000 complaints of mail theft in 2016, which resulted in over 2,000 convictions.

Medical Identity Theft

Medical identity theft can be harder to discover than other types of ID theft because it happens when someone steals another person’s identity to obtain medical services. More than 27% of data breaches in 2017 were medical or healthcare related according to the Identity Theft Resource Center.

More than 27% of data breaches in 2017 were medical or healthcare related.

Mortgage Fraud

Mortgage fraud occurs when a borrower, broker or an appraiser lies about information on the application for a mortgage loan. During the mortgage crisis, Experian estimated that first-party fraud—like loan stacking—may have accounted for more than 25% of all consumer credit charge-offs at the time.

Online Shopping Fraud

Online shopping fraud, or ecommerce fraud, occurs when a criminal leverages stolen payment information or fraudulently acquired bank or credit card accounts to make retail transactions without the account owner’s knowledge.

Ecommerce fraud increased more than 30% in the first six-months of 2017 compared to the same time in 2016, according to Experian. In 2017, Oregon was the top state for ecommerce fraud ranking #1 for both billing and shipping fraud.

The Growth of Online Shopping Fraud

Juniper Research’s Online Payment Fraud white paper reports that the transactional value of card-not-present fraud (fraud that occurs when the card is not physically presented during the purchase, such as over the phone or online) is estimated to reach $19.3 billion in 2022.

Online payment fraud is anticipated to grow 13.7% annually from 2017 to 2022. Digital banking fraud should reach $7.9 billion by 2022. $50.9 billion is expected to be spent on fraud detection and prevention software between 2017 and 2022.

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Synthetic ID Theft

Synthetic identity theft occurs when criminals create a fictitious identity using various pieces of real and fabricated information—such as a Social Security number, date of birth, address, phone number and email. The immediate victim is the bank or lender, but long-term, whoever’s Social Security number is used (this can be a child or adult), will have to deal with the impact of any accounts or debts attached to them fraudulently.

The average synthetic identity theft loss is $6,000 according to data from Experian. While many industry analysts may not agree on the total amount of money lost from synthetic ID theft, estimated to be in the billions, Aite Group stated that synthetic ID theft would cause $800 million in losses for credit card issuers in 2017.


Source: Experian

Tax ID Theft

The IRS reported that in 2016, they stopped 883,000 confirmed identity theft tax returns, which is a 37% drop in confirmed identity theft tax returns compared to 2015.  As of October 2017, the IRS had stopped 443,000 confirmed identity theft tax returns, a 30% decline from the same time last year.

Tax ID theft numbers fell substantially. The number of people reporting that they were victims of tax identity theft fell to 376,000 in 2016, a 46% decline from 699,000 in 2015. This year the strong trend line has continued through August: 189,000 taxpayers have reported themselves as victims of identity theft, which is down approximately 40% from the same time last year. While tax ID theft has decreased, the IRS still estimated that $14.5 billion in fraudulent returns were attempted in 2015.

W-2 Scams

The W-2 form scam has emerged as one of the most dangerous phishing emails in the tax community. During the last two tax seasons, cybercriminals have tricked payroll personnel or people with access to payroll information into disclosing sensitive information for entire workforces.

The scam affected all types of employers, from small and large businesses to public schools and universities, hospitals, tribal governments and charities. Incidents reported from victims and non-victims increased to 900 in 2017, compared to slightly over 100 in 2016. There are additional tax scams popping up constantly as well, including those targeting tax preparers.

How Soon Can You Tell if Your Identity Was Stolen?

It typically takes three months for the majority of people find out they have been victims of identity theft, according to the ITRC’s Aftermath Study. However, according to the same report, 16% of people didn’t find out for three years.

Being persistent by monitoring your accounts and reviewing your personal information is the best way to stay on top of potential threats. [Editor’s Note: You can also sign up for an identity theft protection product like Experian IdentityWorks to help protect yourself and your family.]

What Should You Do If You’re an Identity Theft Victim?

If you are a victim of identity theft, you should report it immediately. You can also take these steps:

  1. Submit a report about the theft to the Federal Trade Commission’s website or call the FTC’s toll-free hotline at 1-877-IDTHEFT (438-4338).
  2. Consider placing a freeze or fraud alert on your credit reports.
  3. If you are the victim of medical ID theft, notify your insurer and medical providers, get copies of your medical files and ask to have them corrected. You can also consider filing a health-privacy complaint with the U.S. Department of Health & Human Services online or call 1-800-368-1019. If you are the victim of Tax ID theft, you can contact the IRS.

Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication.