Report
Traversing Trust, Technology and the Shifting Identity Landscape
Published July 31, 2025
Fraud Management Identity
Experian’s tenth annual Identity & Fraud Report unpacks the major trends reshaping identity, fraud, and digital trust in 2025. Based on insights from over 2,000 U.S. consumers and 200 business leaders, this year’s findings offer a clear-eyed view of what’s driving concern, where expectations are shifting, and how organizations must evolve to stay ahead.
Key takeaways include:
- Fraud is growing—and changing fast: Nearly 60% of U.S. businesses report higher fraud losses in 2025, driven by more sophisticated attacks and legacy security gaps.
- Trust is earned, not assumed: Only 13% of consumers feel fully secure opening new accounts—yet 40% say strong identity experiences build trust.
- AI is both a weapon and a shield: 72% of businesses expect AI-generated fraud to be a top challenge, even as more invest in AI to fight back.
- Consumer fears remain high: Identity theft (68%) and stolen credit card data (61%) top the list of consumer concerns—for the second year running.
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Report
2026 Data Breach Industry Forecast
The scale of global cyberattacks continues to rise, and 2026 is poised to be the year of AI in cybersecurity.
In our 13th annual Data Breach Industry Forecast, we share our top predictions for the year ahead, including:
- The rise of synthetic identities built from stolen data
- AI overtaking human error as the top cause of breaches
- The growing risk of AI and quantum computing cyberattacks
- Emerging threats like mutating malware, brain hacking and a shrinking gender gap among hackers
Gain insight into the trends shaping the future of data security. Download the full forecast to prepare for what’s ahead.
Video
Comprehensive fraud prevention
Fraud doesn’t happen in silos — and neither should your defense.
Watch this product demo to see how Experian’s connected fraud prevention solution brings behavioral analytics, identity verification and digital intelligence together to:
- Detect and block suspicious behavior early
- Validate identities in real time
- Assess device, phone and email integrity
- Unify fraud signals across the customer journey
Webinar
Identity and fraud insights for merchants
Consumers expect convenience online, but fraud concerns continue to challenge retailers’ ability to deliver frictionless experiences. In this on-demand webinar, you’ll learn:
- How fraud trends are evolving and what they mean for retailers
- Areas of focus for retailers to build trust with concerned consumers
- Proven strategies to stop fraud without slowing down transactions
Infographic
Safeguarding home equity lending with Experian
Home equity lending is shifting fast and hidden risks could be costing you.
- Fraud is rising: Identity theft and misrepresentation are becoming more common, increasing losses and slowing approvals.
- Workflows are outdated: Manual processes and legacy systems are creating bottlenecks and inefficiencies.
- Profitability is impacted: Many lenders underestimate how these issues affect their bottom line.