Fraud data

The address claim is where fraud can hide.

Fraud checks today are ID, ID, ID. Useful — but none of them puts the person at the front door.

Identity fraudFake documentsSynthetic IDDoorID check

The evidence

What the public data supports.

Identity and application fraud dominate. A fake or borrowed address is how many of them get through.

Identity fraud is the biggest filed case type.

Cifas Fraudscape 2026 reports 242,003 identity-fraud filings in 2025, 54% of National Fraud Database filings. In the first half of 2026 it rose to 59%, and impersonation at the victim's real address became the #1 filing reason, up 12%.

Application fraud uses stolen or fake documents.

UK Finance describes third-party application fraud as criminals using stolen personal information and fake documents to open accounts.

Synthetic ID

False identities often depend on false address data.

Synthetic identity guidance identifies fake addresses, contact details and address links to unrelated identities as warning signs.

DoorID conclusion

Why this matters to lenders.

The fraudster can produce a convincing document, pass a narrow identity step, and still have no meaningful access to the property on the application.

Fraud route	What can pass	What remains unproven	DoorID check
Fake address document	Utility bill, statement, screenshot or edited file.	That the applicant can access the declared property.	Live proof they walked inside the address.
Stolen identity / third-party application	Identity data and documents gathered from breaches or social engineering.	That the person completing the application is linked to the property.	Secure link and live proof they walked inside.
Synthetic identity	Mixed real and fabricated identity data that looks plausible.	That the fabricated address story survives a real-world check.	Pass, Refer or Fail with controlled evidence.

Sources

Public references to challenge and cross-check.

The sources behind every number on this site.

Cifas Fraudscape 2026Record UK fraud filings and identity/facility takeover share. Cifas Fraudscape factsIdentity fraud remains the most common filed case type. UK Finance Half Year Fraud Report 2025Third-party application fraud and fake documents. Equifax Australia Fraud Index commentaryCredit fraud, GenAI identity manipulation and Australian fraud trends. Plaid synthetic identity guideFake addresses, contact details and synthetic identity warning signs. UNSW summary of CBA suspected loan fraud reportingAI-generated documents and suspected A$1bn mortgage fraud reporting.

Next step

Which address do you wish you'd checked?

Use DoorID where a document, liveness check or bureau match is not enough to justify approval, drawdown or payout.

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