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Old 09-13-2017, 07:54 AM  
Cochise Cochise is offline
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Equifax breach debacle

So... Equifax recently admitted they breached over 140 million people's data.



Equifax's Data Breach: Here's What You Should Be Doing Right Now
BY PHIL BAKER
SEPTEMBER 11, 2017



The Equifax debacle is one of the worst possible breaches of our personal information in the history of breaches. The personal information of nearly every adult in the U.S. was leaked to cyber criminals. The information includes names, addresses, Social Security numbers, driver’s license numbers, birthdays, credit card numbers and more — just what the criminals need to make millions.

What’s so despicable about this is how this credit agency, one of three that we are forced to provide this information to if we want to get credit, failed to protect the data. It’s not as if they didn’t have warnings. This is the third time that their computers were hacked over the past two years. You wonder who's managing their security.

But it gets worse. When they discovered that there was a theft of all their data, they waited six weeks before informing anyone. That’s a long time and it allowed the thieves to take their data, package it, and go to the underground web and sell it. And if you can believe it, the story gets even worse. Three of their executives sold stock during the time between the theft and the announcement. The company claims the three, including their chief financial officer, were unaware of the breach of data. That’s astounding since the CFO's job requires him to know of any activity associated with the company that affects its financial conditions. Expect to see a well-deserved investigation and perhaps insider trading charges filed.

Because there are no government penalties when companies entrusted with our data do something like this, we are dependent on the integrity and capabilities of the companies. But there’s no way to know whom they entrust their security to and how good a job they do. Clearly, not so good in this case. We need some way for us to be assured that our personal information will be protected.

So what should you do now? First, I would do nothing that involves Equifax. They offer a free year of credit monitoring, a product they’ve offered for years, but because it’s an Equifax product I’d be suspicious. And when you apply, you waive rights for a class-action lawsuit. That was thought to include this incident, but the company says that's not the case.

Equifax let weeks pass between the breach and the announcement, and now the website they are sending us to is broken. It’s an unprotected site, revealing confidential code. Security researcher Martin Hall told ZDNet that the site Equifax is directing people to in order set up credit alerts "can be easily spoofed."

In addition, the instructions on what to do next are incomplete. While they say they're sending us there to get the free protection, in reality, they schedule a future date for us to return and say they will not remind us about it.

When I went to the site it asked me to enter my email and partial Social Security number to see if I was at risk, and it returned with a message saying I was. I also tried entering a random number and fake email and got the same message. So, for goodness' sakes, stay away from this mess of a company.

Instead, here are some options: First, I would be less concerned with someone using your credit card to make an unauthorized charge because your liability is limited to at most $50, and in practice, zero. No reputable credit card company will hold you responsible. It’s easy to monitor your charges by reviewing your written statements or going online to check. Or better yet, many of the cards, including Amex and Chase, will send you a real-time message on your phone when a charge is made, assuming you have their app or use the card for Apple Pay or a similar service.

The big problem is when someone tries taking out a loan or opening a credit card in your name. That’s what the credit card monitoring services (such as the ones offered by Equifax or LifeLock) check.

You can also check whether you've been compromised by requesting a copy of your credit report. You’re entitled to one per year from each of the three credit bureaus, so space them out. Go directly to Equifax, Experian, and TransUnion to request them. By the way, www.freecreditreport.com is not free. Stay away. It will force you to sign up for a trial subscription to a credit monitoring service.

You can also place a fraud alert on your credit by contacting any one of the bureaus. This means you will be contacted by one of the credit card bureaus if anyone applies for credit in your name. In fact, this is the way it should be, but the credit bureaus have a powerful lobby that has resisted this because it costs them more money. In fact, they’ve been so successful in lobbying that they can sell and use our personal information in most any way they choose without our being aware.

The most effective thing you can do is to put a freeze on your credit altogether. You call one of the credit bureaus and request it, and then no one can access your reports without your permission. So if a criminal purchases your personal information it will do him no good if he tries to use it to open an account or apply for a credit card. Of course, this also prevents you from applying for credit until you call and remove the block. You can go back and forth, placing and removing a block as needed, but there will be a charge to do so.

...

http://bit.ly/2fiRZog
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Old 09-13-2017, 08:08 AM   #2
Trolly McTrollson Trolly McTrollson is offline
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Pretty astonishing.
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Old 09-13-2017, 08:33 AM   #3
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Just curious why you didn't put this in the Lounge. This breach affects half of Americans.
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Old 09-13-2017, 09:15 AM   #4
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Originally Posted by Fire Me Boy! View Post
Just curious why you didn't put this in the Lounge. This breach affects half of Americans.
News and current events discussion inevitably turn political so I just start the thread here, for the benefit of people who don't want to see that kind of thing in the lounge.
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Old 09-13-2017, 03:27 PM   #5
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Somebodies going to jail.
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Old 09-13-2017, 03:30 PM   #6
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Somebodies going to jail.
I'd start with the executives that sold million's of dollars of worth of stocks right before this news dropped as an appetizer.
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Old 09-13-2017, 03:37 PM   #7
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I wonder where we sign up for the Class Action Lawsuit against these scumbags?
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Old 09-13-2017, 03:37 PM   #8
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Identity theft for all!!!!

And no, that does not mean you should give these companies more of your information and especially not shit companies like LifeLock that are also there to protect you.
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Old 09-13-2017, 04:06 PM   #9
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I heard if you want to freeze that you have to do it with all three agencies, not just one.
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Old 09-13-2017, 04:17 PM   #10
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I don't even know where to begin making sense of this. How can a credit bureau be hacked over and over and over and nothing be done about it? How can they have security so lax as to basically comprise every adult in the United States and then put up such a garbage website for people to check impact? The incompetence is just mind-blowing.

Of course, the market will take care of this as all the other business products Equifax markets start to dry up since they're a joke now. But the damage to consumers whose identities are stolen will remain.
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Old 09-13-2017, 04:23 PM   #11
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I heard if you want to freeze that you have to do it with all three agencies, not just one.
That is correct. Oh and **** you Equifax.
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Old 09-13-2017, 06:03 PM   #12
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Of course, the market will take care of this as all the other business products Equifax markets start to dry up since they're a joke now. But the damage to consumers whose identities are stolen will remain.
Not even close to true. What are they recommending to you if you were hacked? Oh that's right, signup for their monitoring service! Get ****ed Equifax.

None of you do that either. Very possible that waives your right to participate in the lawsuit that's coming.

Instead put 90 day fraud alert on your account. When you complete this through Experian, your credit report automatically pops up. Check to make sure everything looks legit. Continue to renew these fraud alerts every 90 days. You are allowed 1 free credit report a year from the 3 major bureaus. Space them out every 4 months and check if everything looks legit.

If you do not plan on needing credit anytime soon, freeze your credit. Do know that you can "unthaw" your credit at any time but this comes with a fee. I did read something that 88% of fraud happens on existing accounts though, not new ones.
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Old 09-13-2017, 06:04 PM   #13
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Just curious why you didn't put this in the Lounge. This breach affects half of Americans.
Actually it effects mostly Republicans...y'know...people with jobs and a credit history.
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Old 09-13-2017, 06:08 PM   #14
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So, I feel like we should have the option to get a replacement social security number through the United States government. What do you guys think?
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Old 09-13-2017, 06:37 PM   #15
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So, I feel like we should have the option to get a replacement social security number through the United States government. What do you guys think?
Great idea until you put the United States government in charge of it.
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