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Equifax Hacked - 143M US Consumers could be affected

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KeithP said:
Rumors also claim the Clintons are involved in a pedophile ring based out of a pizza restaurant…BEWARE of Comet Ping Pong!
-KeithP
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CNN says:
If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You can't sue on your own behalf, and you can't join a class-action case or benefit from any class-action settlement that Equifax agrees to.
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I didn't see any of those agreements, but it could have been in the very fine print.
 
Pantoot said:
CNN says:

I didn't see any of those agreements, but it could have been in the very fine print.
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Did you actually complete the signup process or did you just get a date to come back? If you haven't completed it you haven't agreed to that yet.

Viper GTS
 
Viper GTS said:
Did you actually complete the signup process or did you just get a date to come back? If you haven't completed it you haven't agreed to that yet.

Viper GTS
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Yeah, I completed the sign up. I didn't notice it, but I admit I wasn't paying it the attention I should have.

They sent an email:
Code: 
It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, you’ll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product.

To verify your identity and activate your product, please click the link below:

https://trustedidpremier.com/consumer-registration/x/activate/?token=.......

This link will remain active throughout the enrollment period, which expires on Monday, November 20, 2017.

If you did not request this email or if you have any questions, please contact us
at 877-742-1415.

Sincerely,

Your Equifax Customer Care Team

No disclaimer there. Then I was taken to the common credit verify page where you click on banks that you have a car loan or mortgage through and questions like that, created a password and that was it. If they had a disclaimer it was pretty well disguised. Certainly no "by clicking here you agree" or anything like that.
 
Sounds like a organized scam to me...hey we had this breach that we don't even have to be accountable for with all your info, here use our even more secure product instead! ...right.
 
Anyhow, am I the only one that's not really worried? Between all the database hacks/leaks over the last 10 years, I'm pretty sure my Full name + social is out there if anyone really wanted it.

I also self monitor my credit - mostly because I like to monitor my score... I would notice a new loan/account within 48-hours.

senseamp said:
https://www.washingtonpost.com/news...s-data-breach-website/?utm_term=.b77efa9ab3d7

Equifax execs need to be put in prison for a very long time.
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Bewilders me that they honestly did this and didn't expect to be prosecuted for it.
 
LOL, those three executives sold like $2 million worth of stock right after the breach was discovered. But "oh no, we weren't aware of it at the time of the stock sell!" Yep, just a coincidence. HAHAHAHA.

I entered my last name and last six digits of social security number and it said I "may be affected." Ugh.
 
s0me0nesmind1 said:
Anyhow, am I the only one that's not really worried? Between all the database hacks/leaks over the last 10 years, I'm pretty sure my Full name + social is out there if anyone really wanted it.

I also self monitor my credit - mostly because I like to monitor my score... I would notice a new loan/account within 48-hours.



Bewilders me that they honestly did this and didn't expect to be prosecuted for it.
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I just want the punishment to fit the crime. This breach is the most serious of all the breaches so far and all they offer is their own shitty credit monitoring service they're hoping to get more paying subscriber later on? Equifax should be bankrupt and cease to exist. The entire board and the execs at Equifax should be fired and any bonus and compensations clawed back.
 
This should be enough to put Equifax out of business, and then the only winners are the lawyers who will get millions, then everyone else affected will get $4.

Think about it, your whole history could have been gotten, and once it is out there, it is out there forever, not this limited 1 year BS + can't sue them.
 
clamum said:
LOL, those three executives sold like $2 million worth of stock right after the breach was discovered. But "oh no, we weren't aware of it at the time of the stock sell!" Yep, just a coincidence. HAHAHAHA.

I entered my last name and last six digits of social security number and it said I "may be affected." Ugh.
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If they were tracking your data, you are affected. I would imagine almost everyone with a credit history is impacted. Will everyone's get abused...most likely not, but everyone should watch their account activities, and credit ratings for potential problems in the next 5 years.
 
ImpulsE69 said:
If they were tracking your data, you are affected. I would imagine almost everyone with a credit history is impacted. Will everyone's get abused...most likely not, but everyone should watch their account activities, and credit ratings for potential problems in the next 5 years.
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Actually, longer than that.
The crooks can run to the other credit reporting agencies, and they have all the key information needed to do a history of you.
 
BudAshes said:
FUCK IM ON THE LIST. Time to ruin my credit so It just don't matter. I'm going to take out 50 credit cards and buy a McLaren. Who's in?
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ponyo said:
I just want the punishment to fit the crime. This breach is the most serious of all the breaches so far and all they offer is their own shitty credit monitoring service they're hoping to get more paying subscriber later on? Equifax should be bankrupt and cease to exist. The entire board and the execs at Equifax should be fired and any bonus and compensations clawed back.
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That confused looking little girl is like: "This is the world you've brought me into?" She only just got here and she's like I'm done with your shit sociopaths/scam artists/conartists.

I for one plan on building a time machine, go into the future, use their advanced medical technology to become a hawt woman, then go back into the 1980s to become a stripper and deal only in cash.
 
ImpulsE69 said:
If they were tracking your data, you are affected. I would imagine almost everyone with a credit history is impacted. Will everyone's get abused...most likely not, but everyone should watch their account activities, and credit ratings for potential problems in the next 5 years.
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My opinion is that the people who are going to get nailed first are the ones that do not even know of the the breach at all - basically all the people that have been impacted by Henry and now Irma - they have been so busy trying to stay alive and get out of there, I am sure this breach is not even on their mind and their are a few million people in this state at the moment. Sadly the people who stole this data knows this and will hit those first since their prey is currently blind.

Also, after sleeping on this and thinking about it today, if you are a thief and can get access to 143M people's credit history, why only take a portion and not just take it all? So again, IMHO pretty much anybody over 18 has been hit in some way, there is no reason to only take a portion of the data if you have access to all of it, for over a month. The fact that Equifax came out at all pretty much tells me the data is not encrypted or the keys were stolen with it - as Equifax's thought process seems to keep all the data together in an easy to get to system, I am sure the keys were there too to make it easier on them. Hell, who knows, maybe this was data that was stored in another country that was the lowest bid on a contract to hold data - total speculation but the way Equifax releases the info about the breach, the arrogance of their CFO and 2 other top execs w/ their selling of nearly $2M in stock is just not comprehensible by the average, responsible person.

On top of this, making a 'credit protection' system that once you sign up means you cannot be part of a class action to me shows that they do know what they did was wrong and are just trying to CYA. They know what is coming, the top execs will retire in the coming days, but the SEC or whoever else can and should nail these people to the wall. MAKE AN EXAMPLE OUT OF THEM.
 
s0me0nesmind1 said:
Anyhow, am I the only one that's not really worried? Between all the database hacks/leaks over the last 10 years, I'm pretty sure my Full name + social is out there if anyone really wanted it.
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Consider that a decade ago (or probably longer, I am old) you would have cashiers writing your drivers license info (which in some states was your social #) onto checks that you wrote.
So that means on one piece of paper they had your home address, your social, the expiration info for your DL, your bank info, and your checking account number.
 
s0me0nesmind1 said:
Heh - how does that work anyways? First lawyer to file it gets the case? If so that's pretty fucked up - what if it's a shit ass lawyer that can't get us any decent sum of money payout?
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I did get involved in a couple class action lawsuits (IT/tech related). You signed up to be a member of the class action suit and you could get some money. The most I received was about $150 IIRC. Most were about $10 to $100 per case. Not much at all. The lawyers received million and million. That's why the lawsuit was filed so fast because whoever did it first = the legal counsel for the lawsuit against the company and get most of the money.
 
Svnla said:
I did get involved in a couple class action lawsuits (IT/tech related). You signed up to be a member of the class action suit and you could get some money. The most I received was about $150 IIRC. Not much at all. The lawyers received million and million. That's why the lawsuit was filed so fast because whoever did it first = the legal counsel for the lawsuit against the company and get most of the money.
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Yeah, but as a class member what if I (and others in the class action) don't want to be represented by "Underdog Lawyer" (actual name from the filing) and would rather be represented by Prestigous Law Firm xyz that has a much better track record for getting max payout?
 
I reported a false charge on my Chase card on 9/1 from paypal to a company I never heard of and in an amount I did not recognize. My paypal account did not show any charge or activity. I'm assuming my card has been compromised. It's going to suck changing all my recurring charges to another card.
 
s0me0nesmind1 said:
Yeah, but as a class member what if I (and others in the class action) don't want to be represented by "Underdog Lawyer" (actual name from the filing) and would rather be represented by Prestigous Law Firm xyz that has a much better track record for getting max payout?
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You could choose to opt out and go get a big time lawyer to do it yourself but as I said above, whoever filed the lawsuit first = legal counsel for the class action and get most of the money because the company would pay off to settle ALL claims so your expensive lawyer would not get much, if anything. That's how I understand it. Someone can correct me if it is not true.
 
Clarification from Equifax regarding arbitration clause from reddit:

Additionally, please note that per https://www.equifaxsecurity2017.com/frequently-asked-questions/ "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." While there was initially some confusion over this, Equifax has now clarified the meaning of the arbitration clause in their new FAQs.

For further confirmation of this, see https://twitter.com/AGSchneiderman/status/906195350532304896
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