The Equifax Data Breach: What to Do

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If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.

Here are the facts, according to Equifax. The breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the UK and Canada too.

There are steps to take to help protect your information from being misused. Visit Equifax’s website, www.equifaxsecurity2017.com. (This link takes you away from our site. Equifaxsecurity2017.com is not controlled by the FTC.)

  • Find out if your information was exposed. Click on the “Potential Impact” tab and enter your last name and the last six digits of your Social Security number. Your Social Security number is sensitive information, so make sure you’re on a secure computer and an encrypted network connection any time you enter it. The site will tell you if you’ve been affected by this breach.
  • Whether or not your information was exposed, U.S. consumers can get a year of free credit monitoring and other services. The site will give you a date when you can come back to enroll. Write down the date and come back to the site and click “Enroll” on that date. You have until January 31, 2018 to enroll.
  • You also can access frequently asked questions at the site.

Here are some other steps to take to help protect yourself after a data breach:

  • Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.
  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.
  • Monitor your existing credit card and bank accounts closely for charges you don’t recognize.
  • If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.
  • File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.

Visit Identitytheft.gov/databreach to learn more about protecting yourself after a data breach.

Note: This post was updated on October 5, 2017 to reflect that Equifax extended the enrollment period for free credit monitoring from November 21, 2017 to January 31, 2018.

 

 

Comments

Rick, You are exactly right. It make us wonder if they purposely instigated the breach so half of the Americans will sign up their monitoring service and keep paying them for the rest of our lives. All the credit unions collect our private data and sell them everywhere. Now, they also want our hard earned money in the disguise of monitoring/protecting our credit.

'All the credit unions' -- don't get credit unions mixed up with credit bureaus. Credit unions are more like banks and don't monitor credit like the Equifax and Experian.

They have broken into my accounts .Tammie meant on September 13, 2017."All the credit bureaus collect our private data and sell them everywhere. Now, they also want our hard earned money in the disguise of monitoring/protecting our credit." I think you summed it up well Tammie and in my knowledge this is called racketeering, offering those who pay safe harbor from their own harm. My Visa credit card information just got compromised by Equifax and someone has already used it online on September 14 charging on it $4,000 in one day for purchases on Amazon. Fortunately my credit card company is not charging us for these orders. We are paying for what we charged on it for this cycle but the $4,000 charge will still appear on it until the investigation is completed 6 weeks from now. I just spent 3 hours on the phone cancelling and renewing 6 credit cards. Next is calling Wells Fargo to register my voice imprint with them so no one can impersonate me on the phone now that they have my driver's license, social#, account numbers. Next is requesting a code # every time I go online into my accounts.

Spot on; well said...my thoughts exactly!

Not only that, but TransUnion and Experian want us to pay to place a freeze. Why is Equifax not covering this freeze fee?

I read they charge also, but I went out to Transunion today and was able to do the credit freeze without having to pay anything.

Fees differ depending your state of residence.

That is correct here in Tennessee I had to pay $7.50 for a freeze with TransUnion and $7.50 for a freeze with Experian

Free in Maine

You may not have to pay to freeze your account, but you may have to PAY to UNFREEZE it. It is a very tricky, complicated, manipulated and unfair situation. I've just tried to call for all credit reports from 3 agencies at the same time on www.annualcreditreport.com, they didn't work with the excuse of Equifax is being hacked. I hope we don't have to pay every agency to get a copy now. So screwed up!

When I called for a credit report from Equifax the recording said my score and credit report was being updated and I would receive it in 3-4 days. I thought that was odd since I had not previously asked for it.

Mavis, what do you mean you "went out to Transunion"? What did you have to do to not be charged the freezing fee?

Because acc to law they need to ask for charges wherein due to breach equifax has promised 2 year free monitoring

Yes, YES, YES! Someone else does see a problem here. Unfortunately no one involved with consumer protection sees it. I have been screaming about this for years. You have to pay THEM so you can monitor THEM to make sure THEY don't screw up your information. Isn't there a name for this that ends with the word fraud?

Racketeering is the term you are looking for.
Racketeering, often associated with organized crime, is the act of offering of a dishonest service (a "racket") to solve a problem that wouldn't otherwise exist without the enterprise offering the service. Racketeering as defined by the RICO act includes a list of 35 crimes.

the fox guarding the hen house...

While the whole thing is completely messed up - The credit monitoring that is being offered is free for a year.

And after dealing with a credit monitoring service for over a year (fraudulent activity since the middle of May - HMMM???), I can tell you it's just another form of incompetency being advertised as a cure all.

Why is it that when we are victimized that WE have to fix it....why can Equifax send US correspondence via the old fashioned way and let us know if we have been breached instead of US having to go to a website we already don't trust and why aren't they automatically monitoring for suspicious activity - there are programs that can flag ....The burden should be on Equifax, not us.

I agree!

I agree. I tried to activate the free service via the telephone only to find out it can't be done that way.

And now they want us to "trust" them and enter our SSN (most of it anyway) and last name on an "outside Domain" web page, to tell us if our SSN was compromised or not! Seriously???

Rick they get your personal data anytime you apply for credit, be it credit cards, car or home loans, and even medical bills that go to collection. I think they are all crooks. They "investigate" things you report as errors, but will never correct it.

You know. You are spot-on! And it's not like we asked to be a part of their corrupt casino Capitalism racket! I don't think Europeans even have to participate in a credit rating B. S. System. A real estate gent who sells property to Europeans told me that. This is a big racket to take advantage of American consumers. They must be held accountable and our politicians need to hear from all of us! Thanks

Yes, I see a problem here. Ultimately, Equifax is try to sell you something.

Exactly... I concur!!

Where does it say ' You no longer give up your right to sue if you sign up for the free monitoring service' Where on ABC's site? I didnt find anything. Where is the actual link?

I read that at this time of signing up we still have the right to sue. But they also say Equifax can take that right and change it at a later time.

2) No Waiver Of Rights For This Cyber Security Incident
In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident.

Gabriel Guess you could say 09/23/2017 End of ? AMEN

According to the NYT and elsewhere, that language may not be "controlling," meaning, you may be giving up your rights nonetheless. Beware.

After enrolling (or attempting to) I was sent an email from Equifax to complete the enrollment process which asked 4 multiple choice questions concerning our credit history. They referenced loans we never made- so the enrollment process failed. I cannot enroll. I finally got an email address (the phone bank could not help) and received an automated message and nothing else. We are very concerned!

I did answer the 4 questions for my credit history and was told I activated my credit monitoring service.

I wouldn't completely worry about that, it could be concerning but it also could be a screw up on their end. When i turned 18 and tried to access equifax for the first time to monitor student loans they had some security questions about loans i never applied for from when i was 13. Safe to say my log in and enrollment failed back then because i selected this wasnt me or n/a. After calling the numbers turns out they put wrong security questions on my account as i had not accessed it previously or some stupid answer along those lines

E Graham, If I remember correctly, the request for a free copy of your credit report includes 3 verification questions with 4 multiple choice answers each. At least one of the options is something unrelated for every question is usually unrelated (so if someone picks that, they know it's not you). If all 4 answers to a question are unrelated, then it's possible someone has already used your info (unrelated to this summer's data breach). Somewhere there are instructions on how to fax or snail mail a request saying their system suggests you are "a victim of identity theft so please send me a free report". It worked well for my mom a year ago, we found some bad reports and Equifax eliminated the problems right away, and gave us documentation to send to the other two credit reporting agencies.

What I see Equifax needs to pay for anything that needs to be done to protect our cards or anything else that has to do with their issue I'm stolen IDs social securities whatever if not I can see big lawsuits pick them up call my bank tomorrow make sure and and the credit card company everybody be sure and you check your credit anything that has to do with Equifax I guess using them for nothing wasn't the best idea my question is how in the hell did it happen somebody dropped the ball big time

Not to mention, how can they prove it was you who entered the SSN and last name and not someone with the exposed data doing it without your knowledge?

A friend entered for a name a gobble-de-goop of random letters and a last 6 SS number of 123456 and found it was part of the data breach.

Yes I just entered the last name BUNNY and entered 213598
and guess what bunny is part of the breach!! LOL something isnt right here!!!!!

Funny you say that, someone named "Supercalifragilisticexpialidocious" has also had their information compromised.

Thank you! I need laughter with all the stress and anxiety of the heck!

My wife and son both entered their info and were not part of the breech where my info indicated it was.

If someone stole your credit why would they turn around and sign you up for credit protection?

So they have control over the account and can cancel it, and you aren't the one being notified when they go through with using your stolen information to completely ruin your life? Think outside the box, and understand that you're not capable of thinking of every possible variation that can/will happen.

So true!

That is not true.

and why would anybody want a company that has just (months ago) proven it can't look after peoples data, to then keep an eye on their security for a 2nd time?

They are probably the safest of the 3 now.

They've had at least three major breaches within the last 10 years... what makes you think they're suddenly safer?

Wow I wasn't aware of other breaches before. And I've been disputing information that's on my report that doesn't belong to me and they have the nerve to give me a hard time knowing that people's information had been stolen. Where are the laws that protects us from them? They definitely aren't included in the FCRA!

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