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2005 Identity Fraud Survey Report
Javelin Strategy & Research, Jan 2005
I. EXECUTIVE SUMMARY & METHODOLOGY OVERVIEW
A. Executive Summary
II. OVERALL MEASURES OF IMPACT
A. Overall Measures of Impact
III. TYPES OF ACCOUNTS MISUSED
A. Summary of Types of Accounts Misused
B. Categories of Identity Theft
C. Incidence of Identity Theft, Past Five Years
D. Incidence of Identity Theft, Past Year
E. New Accounts and Other Frauds
F. Information Misused in Other Ways
G. Misuse of Existing Non-Credit Card Accounts Fraud
IV. MEANS AND PATTERNS OF ACCESS
A. Summary of Means and Patterns of Access
B. Knowledge of Identity of Criminal
C. Identity of Thief
D. Awareness of How Information is Obtained
E. How Information is Obtained
a. Type of Transactions That are Used to Obtain
Personal Information
b. Kinds of Paper Records Used to Commit Theft
E. Identity Theft Involving Lost or Stolen Credit Cards
F. Awareness of Theft Before the Fraud Began
V. DETECTION
A. Summary of Detection
B. Method of Discovery
C. How Long Ago Did the Victim Discover the Fraud
D. Length of Time to Discover Identity Fraud
E. Period of Time Information is Used by Criminal
VI. RESOLUTION
A. Summary of Resolution
B. Time to Recover
C. Victim’s Contacts to Resolve Fraud
a. Specific Entities Conducted to Resolve Fraud
D. Number of Credit Bureaus Contacted
E. Fraud Alert Data
a. Accounts Opened After Fraud Alert
F. Law Enforcement Reports Placed
VII. DETAILED MEASURES OF IMPACT
A. Summary of Detailed Measures of Impact
B. Total Value Obtained by Thief
C. Victim Out-of-Pocket Cost
D. Resolution Time
a. Time Spent by Others on Victims’ Behalf
E. Other Problems Experienced
VIII. BEHAVIOR ACTIVITIES RELATED TO IDENTITY
FRAUD SAFETY
A. Summary of Behavior and Attitudes
B. Percentage of US That Conduct Identity Fraud
Prevention Activities
C. Percentage of US That Conduct Identity Fraud
Detection Activities
D. Victims’ Prevention Activities Conducted Before and
After Fraud
E. Victims’ Detection Activities Conducted Before and
After Fraud
IX. DEMOGRAPHICS
A. Summary of Demographics
B. Percentage of US That Experience Existing Credit
Card Accounts Fraud
C. Percentage of US That Experience Existing Non-Credit
Card Accounts Fraud
D. Percentage of US That Experience New Accounts and
Other Frauds
E. Detection Time of Fraud
F. Duration of Misuse
G. Detection Methods
H. Victim’s Knowledge of Criminal’s Identity
I. Criminal’s Identity
J. Knowledge of How Criminal Obtained Information
K. Criminal’s Method of Obtaining Information
L. Total Dollar Amount Obtained
M. Total Out-of-Pocket Cost of Fraud
N. Time Spent Resolving Fraud
X. CONCLUSIONS AND RECOMMENDATIONS
A. Detailed Summary
B. Recommendations for Consumers
C. Recommendations for Institutions
XI. RELATED RESEARCH
XII. APPENDIX
A. Methodology
B. Contributing Organizations
C. Appendix I: Sample Calculation of Mean Total Cost
D. Appendix II: Sample Calculation of Mean Total Outof-
Pocket Cost
E. Appendix III: Sample Calculation of Mean Total hours
F. Appendix IV: Calculation of 2003 Inflation Adjusted
Figures
XIII. TABLE OF FIGURES
Below is a partial listing of the figures included in the 2005
Identity Fraud Survey Report.
- Annual Rates & Costs of Identity Fraud
- Rates & Types of Fraud (Per US Consumer)
- Measures of Damage: Costs of Identity Fraud in Dollars/Time
- Median & Mean Costs of Differing Types of Fraud
- Incidence of Identity Theft, Past Five Years
- Fraud Account Type, US Adult Population (Five-Year Data)
- Incidence of Identity Theft, Past Year
- Fraud Account Type, US Adult Population (One-Year Data)
- New Accounts and Other Frauds
- Information Misused in Other Ways
- Misuse of Existing Non-Credit Card Accounts Fraud
- Knowledge of Identity of Criminal
- Knowledge of Identity of Criminal Cross Tabbed by
Fraud Types
- Knowledge of Identity of Criminal Cross Tabbed by
Detection Time
- Knowledge of Identity of Criminal Cross Tabbed by
Total Amount Obtained
- Identity of Thief
- Identity of Thief Cross Tabbed by Fraud Types
- Identity of Thief Cross Tabbed by Detection Time
- Identity of Thief Cross Tabbed by Total Amount Obtained
- Awareness of How Information is Obtained
- Awareness of How Information is Obtained Cross Tabbed by
Detection Time
- Awareness of How Information is Obtained Cross Tabbed by
Total Amount Obtained
- How Information is Obtained
- How Information is Obtained Cross Tabbed by Fraud Types
- How Information is Obtained Cross Tabbed by
Detection Time
- How Information is Obtained Cross Tabbed by Total Amount
Obtained
- Mean & Median Cost by Method of Obtaining Fraudulent
Identification
- Type of Transactions That are Used to Obtain Personal
Information
- Kinds of Records Used to Commit Transaction-Based
Identity Theft
- Identity Theft Involving Lost or Stolen Credit Cards
- Awareness of Theft Before the Fraud Began
- Method of Discovery
- Method of Discovery Cross Tabbed by Fraud Types
- Method of Discovery Cross Tabbed by Detection Time
- Mean Length of Time until Detection
- Method of Discovery Cross Tabbed by Total Amount Obtained
- Method of Discovery Compared to Mean & Median Obtained
- How Long Ago Did the Victim Discover the Fraud
- Length of Time to Discover Identity Fraud
- Length of Time to Detection
- Time to Discover Cross Tabbed by Fraud Types
- Time to Discover Cross Tabbed by Total Amount Obtained
- Period of Time Information is Used by Criminal
- Median & Mean Length of Misuse of Information
- Length of Misuse Compared to the Types of Account Fraud
- Time to Recover
- Time to Recover Cross Tabbed by Fraud Types
- Victim’s Contacts to Resolve Fraud
- Specific Entities Contacted to Resolve Fraud
- Time between Discovery and Contact of a Credit Bureau
- Number of Credit Bureaus Contacted
- Fraud Alert Data
- Accounts Opened After Fraud Alert
- Law Enforcement Reports Placed
- Cost Per Fraud Victim
- Total US Annual Cost of Identity Fraud
- Total Value Obtained by Thief – Median & Mean
- Total Value Obtained by Thief Minus Cases Over $100 K
- Total Value Obtained by Thief
- Total Value Obtained Cross Tabbed by Fraud Types
- Median & Mean Costs of Fraud Types
- Total Value Obtained Cross Tabbed by Detection Time
- Victim Out-of-Pocket Cost
- Out-of-Pocket Cost per Fraud Victim
- Out-of-Pocket Cost per Fraud Victim Minus Out-of-Pocket Cases
Over $10K
- Out-of-Pocket Cost Cross Tabbed by Fraud Types
- Out-of-Pocket Cost Cross Tabbed by Detection Time
- Out-of-Pocket Cost Cross Tabbed by Total Amount Obtained
- Resolution Time
- Time Spent on Identity Theft Resolution
- Resolution Time Cross Tabbed by Fraud Type
- Resolution Time Cross Tabbed by Detection Time
- Resolution Time Cross Tabbed by Total Amount Obtained
- Time Spent by Others on Victims’ Behalf
- Other Problems Experienced
- Summary of Behavior Activities Related to Identity
Fraud Safety
- Percentage of US That Conduct Identity Fraud Prevention
Activities
- Percentage of US That Conduct Identity Fraud Detection
Activities
- Victims’ Fraud Prevention Activities Conducted Before Fraud
Compared to the US Adult Population
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