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toptestmotor.com Setiembre 20, 2017


DOJ Consumer Protection suggests credit freeze for those affected by Equifax hack

17 Setiembre 2017, 11:14 | Verda Sainz

Credit reporting company Equifax Inc. corporate offices in Atlanta

Credit reporting company Equifax Inc. corporate offices in Atlanta

Besides the Social Security numbers, birth dates, and addresses of 143 million people, the hackers also made off with 209,000 credit card numbers and 182,000 documents containing personally identifying information and an undetermined number of driver's license numbers.

Healey's office is required under the state's Consumer Protection Act to give the company a five-day notice about an intention to file a lawsuit. It's a good idea to ask for a letter confirming that the fraudulent account doesn't belong to you, that you aren't liable for it, and that the account was removed from your credit report.

A senior USA senator this week asked the Federal Trade Commission, one of the few bodies with oversight powers over loosely-regulated credit raters, to examine Equifax's security practices and its "widely-panned response" to consumers potentially impacted by the breach.

Put a credit freeze on your credit report.

The attack saw the data of 143 million people breached in America. Then, they set up a web portal for handling credit disputes with the username of "admin" and the password of... you guessed it, also "admin". "Plain and simple, the personal data that Equifax stockpiles impact numerous most important decisions in the lives of MA residents".

A 90-day fraud alert can be placed on accounts that you suspect have been compromised or illegally accessed.

You'll need to initiate a credit freeze with the three main credit bureaus individually - Equifax, Experian, and TransUnion - and if you're already a victim of identity theft, a credit freeze is completely free.

"Based on the information provided, we believe your personal information was not impacted by this incident".

Consider two-factor authentication when using financial services online. His ideal bill would elevate minimum standards for security protocols and treatment of sensitive consumer data, transparency, and breach notification. In the meantime, I've assembled some steps to help protect yourself from identity theft and fraud. It would be prudent to check those accounts and contact the financial institutions if you see odd activity.

The attorneys general of Connecticut, Illinois and Pennsylvania sent a letter to Equifax last week seeking information about the circumstances that led to the breach, the reasons for the months-long delay between the breach and the company's public disclosure, what protections the company had in place at the time of the breach and how the company intends to protect consumers affected by the breach.

It's one of at least two class actions filed on behalf of Canadians whose information was stored on Equifax databases, alleging the company breached its contract with class members as well as their privacy rights, was negligent in handling their information, and breached provincial privacy statutes.

People whose information has been exposed through the breach have been told one option is to freeze their credit. Other information collected includes Social Security numbers, address history and birthdays. Before the scheduled closing, the loan officer does what has become standard practice in the mortgage industry in recent years: runs another credit check to make sure no new debts have been added since your application.

Credit bureaus get their information from banks, credit card issuers and other creditors. The legislation would require companies like Equifax to allow consumers to freeze and unfreeze their credit for no charge.



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