Exposed: Identity Risk, the Dark Web and the Score that Changes the Game

The pace, scale and complexity of data breaches are accelerating — and even the most prepared organizations aren’t immune. What sets leaders apart is how quickly and effectively they respond. Our 2025-2026 Data Breach Response Guide can help you strengthen your readiness, limit damage and recover faster. 

Gain insights into: 

• Key trends in data breach types and attack vectors 
• Industries most impacted by breach activity 
• Step-by-step guidance for preparing and executing a breach response 
• How Experian can support your breach preparedness and notification efforts

Experian’s tenth annual Identity & Fraud Report unpacks the major trends reshaping identity, fraud, and digital trust in 2025. Based on insights from over 2,000 U.S. consumers and 200 business leaders, this year’s findings offer a clear-eyed view of what’s driving concern, where expectations are shifting, and how organizations must evolve to stay ahead.

Key takeaways include:

• Fraud is growing—and changing fast: Nearly 60% of U.S. businesses report higher fraud losses in 2025, driven by more sophisticated attacks and legacy security gaps.
• Trust is earned, not assumed: Only 13% of consumers feel fully secure opening new accounts—yet 40% say strong identity experiences build trust.
• AI is both a weapon and a shield: 72% of businesses expect AI-generated fraud to be a top challenge, even as more invest in AI to fight back.
• Consumer fears remain high: Identity theft (68%) and stolen credit card data (61%) top the list of consumer concerns—for the second year running.

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This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

• $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
• Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
• Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
• Digital Advantage: Compete with fintechs by streamlining approvals and closings.