As scammers continue to evolve and use more advanced technology, protecting your personal information is more important than ever. Below are some common identity theft scams to watch out for in 2026 and simple tips to help keep your information safe.

1. Hyper-Personalized AI Impersonation

AI-powered scams now pull details from social media, data breaches, and public records to create highly personalized messages. Scammers may know names of relatives, recent purchases, or workplace details, making fake calls, texts, and emails feel legitimate.

Tip: Be cautious of messages that feel too specific or urgent. Verify requests by contacting the person or business directly using a trusted phone number or website.

2. Trusted Brand and Bank Spoofing

Instead of obvious phishing emails, scammers increasingly impersonate well-known brands, banks, delivery services, and even fraud departments. Messages may warn of “suspicious activity” and prompt you to click a link or confirm information.

Tip: Never click links or scan QR codes from unexpected messages. Log in through the official website or app you normally use to check alerts.

3. QR Code Replacement Scams

Rather than random QR codes, scammers now replace legitimate codes in public spaces, such as parking meters, kiosks, or donation signs, with look-alike stickers that lead to fraudulent sites.

Tip: Avoid scanning QR codes for payments or account access in public spaces. When possible, type the website address directly into your browser.

4. Synthetic Identity Fraud Targeting Families

This type of fraud continues to grow and often involves combining a child’s Social Security number with fake information to build a “clean” credit profile over time.

Tip: Consider placing a credit freeze for minors and review credit activity annually, even if your child has never used credit.

Being informed puts you in control when scammers try to take advantage. Visit our Security Center or more tips on staying secure.