Which States Have the Most Identity Theft?

Imagine coming home from a long day’s work, and as you’re going through the mail, you see a letter from a law firm. After opening it, you realize that you’re being sued for an outstanding debt by a credit card company you never use. At that moment, the phone rings — it’s a bill collector, seeking payment from you for a different outstanding debt that you never incurred. What is going on?

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Sadly, this scenario — along with other identity theft and fraud scams — affected more than 5.7 million people and cost them $5.8 billion in 2021, according to the Consumer Sentinel Network, which is an online Federal Trade Commission database. Identity theft accounted for 25% of all reports. To drill down into which states are the most prone to identity theft, GOBankingRates used information from the 2021 Consumer Sentinel Network Data Book to find state-by-state trends about the frequency and type of identity theft scams.

Some of the data turned out to be eye-opening. For example, tiny Rhode Island was the top state in the nation for identity theft in terms of consumer reports per 100,000 residents. Overall, the most common types of identity theft include credit card fraud, employment or tax-related fraud, government documents and benefits fraud, and more. As evidenced in the study, however, certain types of fraud are more common in individual states.

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Identity theft is a painful but important problem to deal with because it can have far-reaching and devastating effects. A fraudster with your identity can impersonate you, open accounts in your name and even drain your bank accounts. While you shouldn’t have an irrational fear of identity theft, you should take proactive steps to help prevent it:

• Change your passwords often.

• Don’t share your personal information.

• Shred important documents when you dispose of them.

• Install appropriate antivirus and security software on all of your devices.

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And if you live in one of the worst states for identity theft, you may want to practice extra diligence and look into getting identity theft protection services. Read on to find out where your state ranks.

1. Rhode Island

• Reports per 100,000 residents: 2,857

• Number of reports: 30,270

• Top identity theft types:

2. Kansas

• Reports per 100,000 residents: 1,355

• Number of reports: 39,461

• Top identity theft types:

3. Illinois

• Reports per 100,000 residents: 924

• Number of reports: 117,056

• Top identity theft types:

  • Government documents or benefits fraud: 65%

  • Other identity theft: 13%

  • Credit card fraud: 12%

  • Loan or lease fraud: 6%

  • Employment or tax-related fraud: 5%

4. Louisiana

• Reports per 100,000 residents: 732

• Number of reports: 34,043

• Top identity theft types:

  • Other identity theft: 38%

  • Credit card fraud: 37%

  • Loan or lease fraud: 32%

  • Phone or utilities fraud: 10%

  • Government documents or benefits fraud: 7%

5. Georgia

• Reports per 100,000 residents: 618

• Number of reports: 65,666

• Top identity theft types:

  • Other identity theft: 43%

  • Credit card fraud: 40%

  • Loan or lease fraud: 23%

  • Phone or utilities fraud: 8%

  • Employment or tax-related fraud: 5%

6. Nevada

• Reports per 100,000 residents: 584

• Number of reports: 17,985

• Top identity theft types:

  • Credit card fraud: 32%

  • Other identity theft: 30%

  • Government documents or benefits fraud: 25%

  • Loan or lease fraud: 12%

  • Employment or tax-related fraud: 6%

7. Colorado

• Reports per 100,000 residents: 583

• Number of reports: 33,572

• Top identity theft types:

8. New York

• Reports per 100,000 residents: 563

• Number of reports: 109,466

• Top identity theft types:

9. Delaware

• Reports per 100,000 residents: 560

• Number of reports: 5,449

• Top identity theft types:

10. Florida

• Reports per 100,000 residents: 515

• Number of reports: 110,675

• Top identity theft types:

11. Texas

• Reports per 100,000 residents: 504

• Number of reports: 146,095

• Top identity theft types:

  • Other identity theft: 31%

  • Credit card fraud: 29%

  • Loan or lease fraud: 29%

  • Government documents or benefits fraud: 15%

  • Phone or utilities fraud: 10%

12. Maryland

• Reports per 100,000 residents: 493

• Number of reports: 29,778

• Top identity theft types:

13. Ohio

• Reports per 100,000 residents: 431

• Number of reports: 50,421

• Top identity theft types:

14. Pennsylvania

• Reports per 100,000 residents: 425

• Number of reports: 54,460

• Top identity theft types:

15. Alabama

• Reports per 100,000 residents: 402

• Number of reports: 19,691

• Top identity theft types:

  • Credit card fraud: 36%

  • Other identity theft: 33%

  • Government documents or benefits fraud: 17%

  • Loan or lease fraud: 15%

  • Employment or tax-related fraud: 7%

16. Arizona

• Reports per 100,000 residents: 386

• Number of reports: 28,108

• Top identity theft types:

  • Government documents or benefits fraud: 41%

  • Other identity theft: 23%

  • Credit card fraud: 21%

  • Loan or lease fraud: 11%

  • Employment or tax-related fraud: 10%

17. New Jersey

• Reports per 100,000 residents: 359

• Number of reports: 31,857

• Top identity theft types:

18. South Carolina

• Reports per 100,000 residents: 343

• Number of reports: 17,642

• Top identity theft types:

  • Other identity theft: 48%

  • Credit card fraud: 28%

  • Loan or lease fraud: 21%

  • Phone or utilities fraud: 8%

  • Employment or tax-related fraud: 7%

19. California

• Reports per 100,000 residents: 337

• Number of reports: 133,119

• Top identity theft types:

20. Mississippi

• Reports per 100,000 residents: 333

• Number of reports: 9,906

• Top identity theft types:

  • Other identity theft: 45%

  • Credit card fraud: 29%

  • Loan or lease fraud: 22%

  • Employment or tax-related fraud: 9%

  • Phone or utilities fraud: 7%

21. Tennessee

• Reports per 100,000 residents: 297

• Number of reports: 20,254

• Top identity theft types:

  • Other identity theft: 40%

  • Credit card fraud: 32%

  • Loan or lease fraud: 16%

  • Government documents or benefits fraud: 9%

  • Employment or tax-related fraud: 9%

22. North Carolina

• Reports per 100,000 residents: 289

• Number of reports: 30,318

• Top identity theft types:

23. Massachusetts

• Reports per 100,000 residents: 240

• Number of reports: 16,566

• Top identity theft types:

  • Other identity theft: 32%

  • Credit card fraud: 24%

  • Government documents or benefits fraud: 24%

  • Bank fraud: 10%

  • Employment or tax-related fraud: 9%

24. Kentucky

• Reports per 100,000 residents: 233

• Number of reports: 10,416

• Top identity theft types:

  • Government documents or benefits fraud: 53%

  • Other identity theft: 16%

  • Credit card fraud: 12%

  • Employment or tax-related fraud: 10%

  • Bank fraud: 9%

25. Virginia

• Reports per 100,000 residents: 225

• Number of reports: 19,214

• Top identity theft types:

26. New Mexico

• Reports per 100,000 residents: 220

• Number of reports: 4,611

• Top identity theft types:

  • Government documents or benefits fraud: 37%

  • Other identity theft: 20%

  • Credit card fraud: 19%

  • Employment or tax-related fraud: 14%

  • Loan or lease fraud: 13%

27. Missouri

• Reports per 100,000 residents: 218

• Number of reports: 13,372

• Top identity theft types:

  • Other identity theft: 35%

  • Credit card fraud: 21%

  • Government documents or benefits fraud: 20%

  • Loan or lease fraud: 15%

  • Employment or tax-related fraud: 12%

28. Arkansas

• Reports per 100,000 residents: 211

• Number of reports: 6,358

• Top identity theft types:

  • Other identity theft: 39%

  • Credit card fraud: 25%

  • Loan or lease fraud: 16%

  • Employment or tax-related fraud: 14%

  • Government documents or benefits fraud: 11%

29. Hawaii

• Reports per 100,000 residents: 211

• Number of reports: 2,993

• Top identity theft types:

30. Michigan

• Reports per 100,000 residents: 206

• Number of reports: 20,556

• Top identity theft types:

  • Credit card fraud: 29%

  • Other identity theft: 27%

  • Government documents or benefits fraud: 15%

  • Loan or lease fraud: 15%

  • Phone or utilities fraud: 12%

31. Wisconsin

• Reports per 100,000 residents: 193

• Number of reports: 11,253

• Top identity theft types:

32. Oregon

• Reports per 100,000 residents: 190

• Number of reports: 8,016

• Top identity theft types:

  • Government documents or benefits fraud: 35%

  • Credit card fraud: 22%

  • Other identity theft: 17%

  • Bank fraud: 13%

  • Employment or tax-related fraud: 11%

33. Utah

• Reports per 100,000 residents: 189

• Number of reports: 6,060

• Top identity theft types:

  • Other identity theft: 32%

  • Credit card fraud: 29%

  • Loan or lease fraud: 18%

  • Government documents or benefits fraud: 18%

  • Employment or tax-related fraud: 11%

34. Connecticut

• Reports per 100,000 residents: 187

• Number of reports: 6,666

• Top identity theft types:

35. Indiana

• Reports per 100,000 residents: 176

• Number of reports: 11,866

• Top identity theft types:

36. Oklahoma

• Reports per 100,000 residents: 173

• Number of reports: 6,850

• Top identity theft types:

  • Other identity theft: 27%

  • Credit card fraud: 21%

  • Government documents or benefits fraud: 19%

  • Employment or tax-related fraud: 18%

  • Bank fraud: 13%

37. Washington

• Reports per 100,000 residents: 170

• Number of reports: 12,917

• Top identity theft types:

  • Credit card fraud: 28%

  • Other identity theft: 24%

  • Government documents or benefits fraud: 18%

  • Bank fraud: 17%

  • Employment or tax-related fraud: 14%

38. Minnesota

• Reports per 100,000 residents: 168

• Number of reports: 9,457

• Top identity theft types:

  • Government documents or benefits fraud: 39%

  • Credit card fraud: 24%

  • Other identity theft: 19%

  • Bank fraud: 10%

  • Employment or tax-related fraud: 10%

39. Maine

• Reports per 100,000 residents: 167

• Number of reports: 2,239

• Top identity theft types:

  • Government documents or benefits fraud: 51%

  • Other identity theft: 16%

  • Credit card fraud: 14%

  • Bank fraud: 10%

  • Employment or tax-related fraud: 9%

40. New Hampshire

• Reports per 100,000 residents: 162

• Number of reports: 2,205

• Top identity theft types:

  • Government documents or benefits fraud: 34%

  • Credit card fraud: 23%

  • Other identity theft: 16%

  • Bank fraud: 15%

  • Phone or utilities fraud: 10%

41. West Virginia

• Reports per 100,000 residents: 159

• Number of reports: 2,845

• Top identity theft types:

  • Government documents or benefits fraud: 38%

  • Other identity theft: 20%

  • Credit card fraud: 16%

  • Employment or tax-related fraud: 16%

  • Bank fraud: 11%

42. Idaho

• Reports per 100,000 residents: 152

• Number of reports: 2,719

• Top identity theft types:

43. Vermont

• Reports per 100,000 residents: 132

• Number of reports: 825

• Top identity theft types:

  • Government documents or benefits fraud: 46%

  • Credit card fraud: 17%

  • Bank fraud: 14%

  • Other identity theft: 13%

  • Employment or tax-related fraud: 9%

44. North Dakota

• Reports per 100,000 residents: 131

• Number of reports: 999

• Top identity theft types:

  • Other identity theft: 28%

  • Government documents or benefits fraud: 26%

  • Credit card fraud: 18%

  • Loan or lease fraud: 13%

  • Employment or tax-related fraud: 12%

45. Nebraska

• Reports per 100,000 residents: 125

• Number of reports: 2,409

• Top identity theft types:

46. Alaska

• Reports per 100,000 residents: 122

• Number of reports: 896

• Top identity theft types:

  • Other identity theft: 27%

  • Credit card fraud: 24%

  • Government documents or benefits fraud: 20%

  • Bank fraud: 17%

  • Employment or tax-related fraud: 14%

47. Iowa

• Reports per 100,000 residents: 119

• Number of reports: 3,758

• Top identity theft types:

  • Government documents or benefits fraud: 29%

  • Credit card fraud: 22%

  • Other identity theft: 20%

  • Employment or tax-related fraud: 13%

  • Bank fraud: 12%

48. Wyoming

• Reports per 100,000 residents: 107

• Number of reports: 620

• Top identity theft types:

49. Montana

• Reports per 100,000 residents: 106

• Number of reports: 1,130

• Top identity theft types:

  • Other identity theft: 25%

  • Government documents or benefits fraud: 22%

  • Credit card fraud: 22%

  • Employment or tax-related fraud: 15%

  • Bank fraud: 12%

50. South Dakota

• Reports per 100,000 residents: 76

• Number of reports: 673

• Top identity theft types:

  • Credit card fraud: 24%

  • Other identity theft: 22%

  • Bank fraud: 19%

  • Employment or tax-related fraud: 17%

  • Government documents or benefits fraud: 16%

Jami Farkas contributed to the reporting for this article.

All information was sourced from the Federal Trade Commission’s 2021 Consumer Sentinel Network Data Book and verified on June 3, 2022.

This article originally appeared on GOBankingRates.com: Which States Have the Most Identity Theft?