Identity safety in the age of AI
Protecting identity.
Restoring trust.
AIIS advances nonpartisan public policy to prevent identity harm and help people restore their lives. We propose a National Identity Theft Relief Service and automatic credit protection for children and older adults.
AIIS proposes these reforms; they are not enacted law or currently available services.
Our policy positions
One accountable process after identity theft. Protection for children and older adults before harm occurs. Practical reform must serve the people whose identities are at stake.
File once. Receive protection while your claim is reviewed. Get confirmation that the required corrections have been made.
A free national Service would coordinate lenders, credit bureaus and collectors, with 24-hour bureau action, independent review of contested claims, and protection against fraudulent debt reappearing.
Read the proposalKeep older adults in control: an easy, free opt-out and accessible lifting or removal would accompany a default freeze at 67, with advance notice. Make child protection automatic from birth.
Keep a child’s freeze in place at 16 while giving the young person control and preserving lawful representative rights. Require a credit-report check before a covered new loan so lenders cannot bypass freeze protection.
Read the proposalThe proposed consumer experience
The proposed National Identity Theft Relief Service would connect the institutions responsible for resolving a claim, so people can follow one case instead of managing separate disputes.
Verify your identity, identify the account and sign one reusable claim. Get help online, by phone or through an approved advocate.
Each bureau blocks the disputed information within 24 hours of receiving a complete, qualifying claim. Covered collection pauses during review.
The lender investigates first. If it says you authorized the account, the Service automatically reviews the evidence independently.
The Service checks that required corrections happened and keeps a record to address prohibited reappearance of the same debt.
Initial protection follows a complete, verified claim; it is separate from the final decision. Required consumer services would be free.
Expected benefits of the proposals
The reforms are designed to help genuine victims while strengthening safeguards for lenders and the financial system.
Verify claimants, review evidence and track prior decisions to help stop false identity-theft claims from erasing legitimate debt.
Automatic child freezes, limited SSA matching and required report checks would make stolen Social Security numbers harder to use in fabricated credit identities.
A default freeze at 67, with an easy, free opt-out, would target unauthorized new borrowing while keeping older adults in control.
For policymakers & staff
Request a briefing, the full proposal, or legislative discussion language for review. We welcome state and federal policy staff.
The case for action
18 million
Javelin’s national survey estimate of adults affected by traditional identity fraud.
Javelin · 2026 study, 2025 data$38 billion
Javelin’s combined estimate of identity-fraud and scam losses for 2025.
Javelin · 2026 study, 2025 dataRepeated disputes. Uncertainty about the next credit application. Checking whether a corrected account has returned. Our proposal addresses the work and worry of keeping a person’s records clear, with one case to follow and confirmation that required corrections have happened.
The victim figure covers traditional identity fraud; the loss estimate also includes scams. Read Javelin’s latest findings.
Founded by Eric Haller
After more than 30 years in identity and fraud prevention—including overseeing global identity and fraud businesses at Experian and TransUnion—Eric experienced identity theft himself. Navigating recovery helped drive him to establish AIIS.
He created and led Experian DataLabs, served as TransUnion’s Chief Data and Analytics Officer, and is a Fellow of Harvard University’s Advanced Leadership Initiative. He is a primary inventor of multi-bureau credit-file freeze and unfreeze technology.
Our launch policy focus · 3 min 37 sec
See the human cost of identity theft and why a clear path to relief matters.
Explore the current proposalsCaptions are included in the film.
The film illustrates the burden of recovering from identity theft and introduces coordinated reporting, interim credit relief, AI-assisted resolution with human review, and automatic protection for children.
Our broader mission also includes national identity security, scam protection, and accountability for deepfakes and AI agents.
Explore our broader missionStay connected
Request occasional policy updates, read the proposal brief, or connect with AIIS on LinkedIn.
A shared responsibility
Bring your perspective to the conversation on identity safety.