Identity fraud is the act of using another person's personal information, such as their name, address, or banking details, without their consent, to commit fraudulent activities, often for financial gain or to access benefits and services. This can include opening bank accounts, obtaining credit, purchasing goods or taking out loans in the victim's name. Identity fraud can cause significant damage to an individual's credit rating, reputation, and emotional well-being. In the UK, it is a criminal offence and can lead to severe penalties for those who engage in it.