News Worms
News Worms


Chatbot lawyer wants to 'bankrupt' Equifax following data breach

Chatbot lawyer wants to 'bankrupt' Equifax following data breach

People who are anxious about their credit information being compromised and potential identity theft have been urged to contact Equifax as well as rival rating agencies TransUnion and Experian to get their credit frozen, or at the very least, monitored. Filing can also sometimes require paying a fee, although that payment can be waived in most states with proof of a legitimate identity theft threat, he added.

If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report. In addition to the credit reporting business for which it is best known, Equifax runs a profitable side business selling consumers' personal data to marketers. A credit freeze makes it hard to open new accounts in your name. Security experts say that whenever possible, organizations should identify as many details as possible about a breach, such as who was affected, so that the notification doesn't just cause panic, but instead gives breach victims the information they need to safeguard themselves, as much as possible (see Data Breach Notifications: What's Optimal Timing?).

Washington Post: Equifax finally responds to swirling concerns over consumers' legal rights - "Sharp-eyed social media users have combed through the Equifax data breach site's fine print - and found what they argue is a red flag". The four plaintiffs checked their files on Equifax's American website - which asks for last names and USA social security numbers - and were told their data may have been divulged, he added. Fourth, as commented on by many, Equifax initially appeared to be using its offer of free products, including credit monitoring, as a mechanism to have affected consumers agree to an arbitration clause or class action waiver, although Equifax has since posted on its website that this was not its intention, and that no such waiver will apply to the cybersecurity incident. We have to deal with credit rating agencies to operate in this world.

You can request the three credit rating agencies to freeze your credit. And it is not the first credit reporting company to get hacked. Your existing credit cards and other accounts will not be impacted.

The website will also provide you with a recovery plan after you submit the information. Most reputable financial institutions will never call you and ask for information like a Social Security number, account numbers and passwords. This means you can not apply for new credit without lifting the freeze. On the next screen select that you want your credit report frozen. Morfeld said that offering only a year of free monitoring means that Equifax, which provides credit monitoring as a paid service, stands to profit from its security breakdown. Millions of Americans' most sensitive personal information is now out there for sale to thieves and governments. "Sharing this information with our office will allow us to warn others to be on the lookout for similar attempts". Reports that data obtained by hackers may be used to impact voting systems further underscores the need for tighter regulation and better security across the board.

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