UK
Identity fraud is the biggest filed case type.
Cifas Fraudscape 2026 reports 242,003 identity-fraud filings in 2025, accounting for 54% of National Fraud Database filings.
Fraud data
The address claim is where fraud can hide.
DoorID's position is simple: identity checks, document checks and data checks are useful, but they do not show live access to the declared property.
Identity fraudFake documentsSynthetic IDLive address check
The evidence
What the public data supports.
The strongest support is not that address documents are always reported as a standalone fraud category. It is that identity and application fraud dominate, and false address evidence is a practical way those frauds get through.
UK
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 address journey. |
| 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. | Short-life link and property-access result. |
| 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.
These are the sources DoorID should cite around market risk and the address-verification gap.
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
Turn the weak address claim into a live check.
Use DoorID where a document, liveness check or bureau match is not enough to justify approval, drawdown or payout.