2005 Identity Fraud Survey Report (Standard and Advanced Versions)

Table of Contents

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. Victims 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. Victims Knowledge of Criminals Identity
• I. Criminals Identity
• J. Knowledge of How Criminal Obtained Information
• K. Criminals 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