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Post Reply 143 million records leaked out of Equifax, a U.S. credit reporting firm
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Posted 9/7/17 , edited 9/9/17
https://www.cnbc.com/2017/09/07/credit-reporting-firm-equifax-says-cybersecurity-incident-could-potentially-affect-143-million-us-consumers.html


The company said the exposed data include names, birth dates, Social Security numbers, addresses and some driver's license numbers, all of which Equifax aims to protect for its customers.

Equifax added that 209,000 U.S. credit card numbers were obtained, in addition to "certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers.



The breach affected records of 143 million people.

The U.S. population was 324 million at the start of this year.

Thanks for protecting us from fraud, Equifax.
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Posted 9/7/17 , edited 9/7/17
Uh oh Spaghettios.
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Posted 9/7/17 , edited 9/8/17
God dammit! How do I keep being in every one of these giant data breeches?!
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Posted 9/7/17 , edited 9/8/17
you can check if you are one of the 143 million people through equifax website

https://www.equifaxsecurity2017.com/potential-impact/

Consumer reports posted an article about this
https://www.consumerreports.org/privacy/what-consumers-need-to-know-about-the-equifax-data-breach/


it looks like i'm one of the 143 million.. It's time to pull credit reports and start freezing credit. May 2017? We only know about this now ? I hope there's a class action lawsuit against these companies shortly after this-- like the PSN hack




DO NOT ENROLL in their credit monitoring service-- you are waiving your right in the up coming class action lawsuit

http://www.oregonlive.com/portland/index.ssf/2017/09/two_oregon_residents_file_clas.html

I heard they sold their stocks when they found out about the breach a few months ago and waited until September to disclose it
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Posted 9/7/17 , edited 9/8/17

dulun18 wrote:


it looks like i'm one of the 143 million.. It's time to pull credit reports and start freezing credit.



Freezing all credit agencies works pretty well. I did that a while ago and have not had any issues. I unfreeze when I need it for a few days then it goes back to being frozen.
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Posted 9/8/17 , edited 9/8/17
I wasn't impacted according to that webpage you linked thankfully. I have lifelock though and I wonder if they would have helped protect me at all...
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Posted 9/8/17 , edited 9/8/17

Rujikin wrote:


dulun18 wrote:
it looks like i'm one of the 143 million.. It's time to pull credit reports and start freezing credit.



Freezing all credit agencies works pretty well. I did that a while ago and have not had any issues. I unfreeze when I need it for a few days then it goes back to being frozen.


like adding salt to injury they want me to pay $5 for the credit freeze




i pulled the credit reports and everything look fine so i put a fraud alert on the account instead

https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report





DO NOT ENROLL in their credit monitoring service-- you are waiving your right in the up coming class action lawsuit

http://www.oregonlive.com/portland/index.ssf/2017/09/two_oregon_residents_file_clas.html

I heard they sold their stocks when they found out about the breach a few months ago and waited until September to disclose it





deli8079 wrote:

I wasn't impacted according to that webpage you linked thankfully. I have lifelock though and I wonder if they would have helped protect me at all...


Lifelock has a questionable history

https://www.ftc.gov/news-events/press-releases/2015/12/lifelock-pay-100-million-consumers-settle-ftc-charges-it-violated
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Posted 9/8/17 , edited 9/8/17
The response from Equifax has been underwhelming to say the least. Not only did they delay in informing the public about the breach, not only are they not sending letters to everyone who was potentially impacted, not only are they still charging fees for basic protections that they themselves made necessary by their negligence, not only are they offering identity protection over a time frame that's too limited to adequately protect people from fraud, not only are they taking a very blasé, "shit happens, whoopsie daisy" approach to their PR, but the company's top executives dumped their stock before disclosing the breach to the public?

This is positively repellent. Absolutely vile.
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Posted 9/8/17 , edited 9/9/17

https://www.equifaxsecurity2017.com/frequently-asked-questions/




http://www.marketwatch.com/story/equifax-executives-sold-stock-after-data-breach-before-informing-public-2017-09-07

It looks like someone sued Equifax before-- won 18.6 milliion -- also from Oregon.

Equifax Gets Sued | Ordinary Customer Sues Equifax Credit Bureau
https://www.youtube.com/watch?v=mHvUx8z-Iak
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Posted 9/8/17 , edited 9/9/17
You should receive this letter by now

just check your status to see if you were affected by the breach or not but don't enroll in the credit monitoring service provided by Equifax. It's better to be part of the class action lawsuit against Equifax instead

1- pull credit reports
2- put a fraud alert on it and that's it

sign up for the class action lawsuit when they have a website created for all the people affected. .. 143 million.. i wonder how much we can sue for

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Posted 9/8/17 , edited 9/9/17
Thanks for this post.

For what it's worth, Equifax is saying that the arbitration when signing up for the credit monitoring only applies to the credit monitoring, and not the leak. I'm inclined to believe them because they'd get absolutely excoriated for pushing arbitration clauses immediately to all their affected customers in this situation leading probably to the end of the company, but who knows.


Do the TrustedID Terms of Use limit my options related to the cyber security incident?

The arbitration clause and class action wavier included in the TrustedID Premier Terms of Use applies to the free credit file monitoring and identity theft protection products, and not the cybersecurity incident.
https://www.equifaxsecurity2017.com/frequently-asked-questions/
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Posted 9/8/17 , edited 9/9/17
The Personal Finance Subreddit has a good synopsis of the situation, clarification on the whole "waiving your right to sue" thing, and what you should do to protect yourself. It gets fairly in-depth, but is easy to understand.
https://www.reddit.com/r/personalfinance/comments/6yv4gb/official_mega_thread_recent_equifax_security/

Please do what others have said here and place a hold on your credit. It only takes a few minutes and you only have to do it with one of the agencies for it to apply to all 3. You are also allowed, by law, one free credit report per year which includes all 3 agencies. Here's the link:
https://www.annualcreditreport.com/index.action

Edit: The credit report site is apparently bogged down with too many people accessing it. Might want to check it later.

Someone earlier said that the Equifax execs dumped their stock before revealing the hack publically. Here's a source from bloomberg on that:
https://www.google.com/amp/s/www.bloomberg.com/amp/news/articles/2017-09-07/three-equifax-executives-sold-stock-before-revealing-cyber-hack
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Posted 9/8/17 , edited 9/9/17

AnimeAddictANN69 wrote:

You should receive this letter by now

just check your status to see if you were affected by the breach or not but don't enroll in the credit monitoring service provided by Equifax. It's better to be part of the class action lawsuit against Equifax instead

1- pull credit reports
2- put a fraud alert on it and that's it

sign up for the class action lawsuit when they have a website created for all the people affected. .. 143 million.. i wonder how much we can sue for




BILLIONS!!!



It will be a while but they should have a site up or sending out letters for those affected. I was part of various class action lawsuits before

AmeriGas (wal-mart)
plane ticket (price fixing))
Tuna, Glucosamine,, etc..

The downside of class action lawsuit is the more people included the less money you will get (since the lawyers will take a huge junk of the payout)-- so maybe it's best if most people enroll in that credit monitoring service


https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service
https://www.usatoday.com/story/money/2017/09/08/massive-equifax-cyberattack-triggers-class-action-lawsuit/645632001/
https://techcrunch.com/2017/09/08/here-comes-the-class-action-lawsuit-after-equifaxs-massive-hack/
https://www.bloomberg.com/news/articles/2017-09-08/equifax-sued-over-massive-hack-in-multibillion-dollar-lawsuit

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Posted 9/8/17 , edited 9/9/17
Also guys, don't freak out too much. I had my info stolen and fraudulently used in the Anthem thing a year ago or whatever, you enable fraud alerts and life goes on. But do take action.
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Posted 9/8/17 , edited 9/9/17
My email name got pwned via Funimation last year. Been changing passwords right & left since. So far, so good.
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