AI is making fraud harder to spot and identity harder to prove

Experian’s 2026 U.S. Identity & Fraud Report outlines how online fraud has expanded across channels—emails, texts, websites, documents, voices and AI-generated content—making scams harder to detect; it highlights increased use of AI by both fraudsters and businesses, rising consumer concern, the centrality of identity verification and adaptive authentication, the need for data governance and model oversight, and emerging risks from AI agents and synthetic identities.