Despite the fact that the Garter study showed that only 5% of Americans report cases of fraud to the Federal Trade Commission (FTC), that's still enough data for the FTC to release a report of their own. They put out the Top Consumer Complaints in 2008 showing that the top complaint was identity theft. You can imagine how much higher the figures would be if consumers reporting were higher.
The FTC report showed that, for the 9th year in a row, identity theft was the number one consumer complaint category. Of the 1,223,370 complaints received, 26% were related to identity theft.
The report breaks down the identity theft complaints into type. The most common form of reported identity theft is credit card fraud (20%) followed by government document/benefits fraud (15%), employment fraud (15%), phone or utilities fraud (13%), bank fraud (11%) and loan fraud (4%).
In related news, research in the UK indicates that 1 in 3 Britons is expected to be a victim of card fraud in 2009 - a 33% increase over 2008. You can read more about that here.