Artificial intelligence is giving criminals new ways to make familiar scams more convincing. Fraudsters can use AI to create personalized messages, imitate trusted voices and identities, and make fraudulent communications harder to distinguish from legitimate ones.

The shift is showing up in the latest federal data. The FBI’s 2025 Internet Crime Report, which formally tracked AI-related complaints for the first time, identified more than 22,000 complaints involving an AI nexus and more than $893 million in reported losses. At the same time, the Federal Trade Commission (FTC) recorded nearly $16 billion in reported fraud losses and more than 1.35 million identity theft reports.

Together, the findings underscore a rapidly changing threat landscape—and why organizations are increasingly looking for ways to help protect the customers, members and employees who trust them.

AI Is Changing the Identity Threat Landscape

AI is giving criminals more sophisticated tools for familiar schemes, including convincing messages, impersonation, realistic content and large-scale campaigns. A suspicious message that once might have been easy to recognize can now be far more convincing. 

For organizations, the implication is important: identity protection and fraud awareness must evolve alongside the tactics criminals are using.

Fraud and Identity Theft Remain Significant Threats

The FTC’s Consumer Sentinel Network received more than 3 million fraud reports in 2025, with consumers reporting approximately $15.8billion in losses.

Identity theft reports also climbed significantly. The FTC received 1,358,253 identity theft reports in 2025, up from 1,036,845 in 2024.

Credit card-related identity theft was the largest category, accounting for nearly 598,000 reports. 

For businesses, these numbers matter because identity theft doesn’t end with the individual victim. Fraudulent accounts, compromised information and financial losses can create lasting consequences for consumers—and potentially affect their relationships with the organizations they trust.

Imposter Scams Exploit Trust

Imposter scams, which involve criminals impersonating trusted businesses, government agencies or other organizations, were the most frequently reported category of fraud in 2025.

The FTC received more than 1 million reports in 2025, with approximately $3.5 billion in reported losses. 

AI adds another layer to the problem. As criminals gain access to tools that can generate convincing written content, images and audio, impersonation can become increasingly difficult to recognize.

For organizations, protecting brand trust increasingly means helping the people associated with that brand recognize threats that may use the organization’s name or identity.

Text Messages Are a Major Fraud Channel

Criminals are reaching consumers through the communication channels they use every day.

Among 2025 fraud reports that identified how victims were contacted, text messaging was the most commonly reported method, followed by email and phone calls.

Text-based fraud accounted for more than 411,000 reports, with a median reported loss of $1,000. Phone scams were less common but had a much higher median reported loss of $1,835.

The takeaway for organizations is straightforward: Modern identity threats don’t occur in a single place.

Consumers may encounter fraudulent activity through text messages, email, social media, websites, apps or phone calls. AI can make those interactions increasingly difficult to distinguish from legitimate communications.

The Value of White-Label Identity Theft Protection

Identity theft, fraud and AI-enabled scams create a growing challenge for consumers—and an opportunity for organizations. Identity protection can add value as a customer, member or employee benefit without requiring organizations to build and maintain their own platform. 

A white-label identity protection solution allows organizations to provide protection under their own brand.

Rather than directing customers, members or employees to a separate third-party service, organizations can make identity protection part of the relationship they already have with their audience.

A white-label SaaS approach can help organizations add tangible value to existing products and services, strengthen customer and member relationships, enhance employee benefit programs and differentiate their brands in competitive markets.

It also gives organizations a way to offer identity protection without developing the technology, infrastructure and platform themselves.

For organizations evaluating identity protection solutions, the experience should fit naturally into the existing relationship between the organization and its audience—not feel like a disconnected third-party product.

The Bottom Line

Identity theft and AI-driven fraud are evolving rapidly. For organizations, that creates an opportunity to turn identity protection into a valuable customer, member or employee benefit—while strengthening the relationships built around their brand. 

Give Your Customers, Members or Employees Identity Protection Under Your Brand

Enfortra provides best-in-class white-label identity theft protection for organizations that want to offer protection to their customers, members or employees—under their own brand.

Learn how Enfortra can help you add identity protection to your organization.