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SUMMARY
This report is an update of the Federal Trade Commission's 2003 Identity Theft
Survey Report and Javelin's 2003 Identity Fraud Report. Based on telephone
interviews with 4,000 consumers, it offers a holistic view of identity
fraud--including methods for prevention, detection, and resolution--by
examining all causes of this pervasive crime. Despite the growing fear of
Internetrelated fraud, this research shows that identity theft is more
frequently committed offline (e.g. stolen wallets and checkbooks) than online
(e.g. electronic commerce). It also concludes that family members, relatives,
neighbors, and friends make up half of all known identity thieves.
Furthermore, the length of time to detect identity theft is correlated with
the amount of money embezzled. These and other key findings are complimented
by recommendations for both consumers and institutions to reduce identity
fraud in the US.
TABLE OF CONTENTS
I. EXECUTIVE SUMMARY & METHODOLOGY OVERVIEW
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
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