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DragonDaddyBear
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Darn it, Equifax!

Thu Sep 07, 2017 7:38 pm

https://www.equifaxsecurity2017.com/
Over 140 million people. SSN's and more were compromised.
 
whm1974
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Re: Darn it, Equifax!

Thu Sep 07, 2017 8:10 pm

I guess I'm going to have to watch my credit score more closely now. I think the last time I checked it was like over ten years ago.
 
DrCR
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Re: Darn it, Equifax!

Thu Sep 07, 2017 8:13 pm

Whose SSNs would they have? Basically anyone with charge/credit cards? Or perhaps something like only those who signed up with then to receive credit score info (or perhaps whose charge/credit card company complimentary provides a credit score through them)?
 
DragonDaddyBear
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Re: Darn it, Equifax!

Thu Sep 07, 2017 9:29 pm

They ate one of the "big 3." They have just about every bit of personal information about you: Address history, payment history, account information, ssn, etc. This is really bad. I think this is a strong candidate for the worst breach to date. I have yet to see a report about how the information was beached. I hope they share that to avoid another potential breach, but that's unlikely. Is possible the latest Struts vulnerability has studying to do with this. That could be bad news for other sites.
 
DragonDaddyBear
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Re: Darn it, Equifax!

Thu Sep 07, 2017 9:35 pm

Brian Krebs has a great write up. I'm not planning on getting a loan so i may take his advice. https://krebsonsecurity.com/2017/09/bre ... americans/
 
just brew it!
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Re: Darn it, Equifax!

Thu Sep 07, 2017 10:57 pm

F*ck. I was affected by the OPM breach. Now this. Goddammit, this is getting ridiculous.
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ludi
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Re: Darn it, Equifax!

Thu Sep 07, 2017 11:24 pm

DragonDaddyBear wrote:
DrCR wrote:
Whose SSNs would they have? Basically anyone with charge/credit cards? Or perhaps something like only those who signed up with then to receive credit score info (or perhaps whose charge/credit card company complimentary provides a credit score through them)?

They are one of the "big 3." They have just about every bit of personal information about you: Address history, payment history, account information, ssn, etc. This is really bad. I think this is a strong candidate for the worst breach to date. I have yet to see a report about how the information was beached. I hope they share that to avoid another potential breach, but that's unlikely. Is possible the latest Struts vulnerability has studying to do with this. That could be bad news for other sites.

Specifically, the "big three" are EquiFax, TransUnion, and Experian. If you ever applied for any product or service requiring recurring payments -- land line, cell phone, cable TV or Internet service, retail credit card, mainstream credit card, car dealership loan, mortgage, HELOC, any other type of bank or credit union loan, ad infinitum -- it almost certainly bounced through one or more of those three agencies to verify your creditworthiness. They know almost as much about you as the NSA after the waterboarding of Santa Claus.
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ozzuneoj
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Re: Darn it, Equifax!

Fri Sep 08, 2017 12:02 am

Whew... it says they don't believe I was impacted.
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Re: Darn it, Equifax!

Fri Sep 08, 2017 12:47 am

just brew it! wrote:
F*ck. I was affected by the OPM breach. Now this. Goddammit, this is getting ridiculous.


You and me both! Damn OPM breach, and now this one. They think my data may have been compromised! :evil:
 
Kougar
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Re: Darn it, Equifax!

Fri Sep 08, 2017 2:19 am

Looks like I am also compromised. Any other company would have to pay a pretty penny to open 143 million credit monitoring accounts, but given that's one of their own services to begin with they can write most of that cost off.

I'm a little surprised it hasn't happened sooner given these big three credit bureaus are the ultimate treasure troves of personal data, but at the same time I hope Equifax is held accountable for this. They have considerable personal data on people and there's nothing to really do about it.
 
Klopsik206
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Re: Darn it, Equifax!

Fri Sep 08, 2017 2:42 am

God bless EU for GDPR.
Once GDPR regulation enters EU's legal system in 2018 such breach would result with monstrous fines (up to 4% of global revenue).
 
biffzinker
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Re: Darn it, Equifax!

Fri Sep 08, 2017 3:30 am

Dam, I was compromised.
Based on the information provided, we believe that your personal information may have been impacted by this incident.
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Krogoth
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Re: Darn it, Equifax!

Fri Sep 08, 2017 5:34 am

Internet has never been a secured network or environment. It has always been that way by design. It is just a matter of time and motivation for certain parties to find an exploit against lucrative targets.

Better get used to these "leaks" until people start to realize that transmitting sensitive information on the internet isn't so hot and carries significant risks.
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derFunkenstein
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Re: Darn it, Equifax!

Fri Sep 08, 2017 6:33 am

I was also apparently compromised. I'm guessing the only people that weren't are people with no credit.
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Re: Darn it, Equifax!

Fri Sep 08, 2017 7:47 am

I guess as a general security measure everyone should request a security freeze from all three credit reporters.

I suppose I should also put a "im not interested in credit card offers" notice on there as well to cut down on the spam mail and phone calls.
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Hawkwing74
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Re: Darn it, Equifax!

Fri Sep 08, 2017 8:18 am

Ugh, I need to look into the credit freeze also. What a pain.

They say I am affected by the breach as well. All I can think of is I wanted to switch cell phone service. No house or car loan or new credit card coming up. I guess I probably need to complete the switch before putting a freeze.
 
Glorious
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Re: Darn it, Equifax!

Fri Sep 08, 2017 8:31 am

Krogoth wrote:
Internet has never been a secured network or environment. It has always been that way by design. It is just a matter of time and motivation for certain parties to find an exploit against lucrative targets.

Better get used to these "leaks" until people start to realize that transmitting sensitive information on the internet isn't so hot and carries significant risks.


The original transmission of the data is almost certainly, to a virtual absolute, not the source of the breach.

It may not even directly involve the internet at all, as all they say is "unauthorized access" which could simply be a an employee/contractor taking or peeking at data they weren't supposed to be able to look at.
 
G8torbyte
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Re: Darn it, Equifax!

Fri Sep 08, 2017 8:53 am

Also if you want to opt-out of pre-screening for lines of credit and insurance can be done here: toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit http://www.optoutprescreen.com. The three main reporting agencies plus Innovis will place a 5-year halt and you can mail back the form after signing for a permanent opt-out. Just did it and took only a couple minutes. As Krebs mentioned it'll discontinue mailings of offers to you.
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Hawkwing74
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Re: Darn it, Equifax!

Fri Sep 08, 2017 9:08 am

G8torbyte wrote:
Also if you want to opt-out of pre-screening for lines of credit and insurance can be done here: toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit http://www.optoutprescreen.com. The three main reporting agencies plus Innovis will place a 5-year halt and you can mail back the form after signing for a permanent opt-out. Just did it and took only a couple minutes. As Krebs mentioned it'll discontinue mailings of offers to you.

Thanks, very helpful!

I'm still going to look at credit freeze.
 
ozzuneoj
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Re: Darn it, Equifax!

Fri Sep 08, 2017 1:45 pm

derFunkenstein wrote:
I was also apparently compromised. I'm guessing the only people that weren't are people with no credit.

I have credit (760), but zero debt. I was not compromised apparently.
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bfg-9000
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Re: Darn it, Equifax!

Fri Sep 08, 2017 2:47 pm

Just a note for anyone using that site to check if they were affected by the breach--you have agreed to restrict your legal rights and not sue them in the TOS:
AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES (EXCEPT AS SET FORTH BELOW) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL.

Just this morning due to the public outrage, Equifax provided an opt-out provision to exclude yourself from arbitration like so:
In order to exclude Yourself from the arbitration provision, You must notify Equifax in writing within 30 days of the date that You first accept this Agreement on the Site (for Products purchased from Equifax on the Site). ...must include Your name, address, and Equifax User ID, as well as a clear statement that You do not wish to resolve disputes with Equifax through arbitration.
 
general_tux
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Re: Darn it, Equifax!

Fri Sep 08, 2017 2:56 pm

Here is a little bit of good news. According to Ars Technica:
While New York Attorney General Eric Schneiderman said the forced arbitration terms of service are "unenforceable" and should be removed, Equifax has added language to its "FAQs for Consumers" that the arbitration clause in the "Terms of Use" does not apply to "the cybersecurity incident."
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bfg-9000
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Re: Darn it, Equifax!

Fri Sep 08, 2017 3:26 pm

Unenforceable just means you can sue for the right to sue or at least have to convince a judge you should be able to sue, so it's better and easier to opt out now if you decide to use the free credit monitoring service.

The Consumer Financial Protection Bureau thought arbitration clauses in general are bad for consumers and ruled to ban them beginning with contracts made after March 19, 2018. But the House has already moved to repeal this so now it's up to the Senate and Trump to decide whether to kill it. In either case it's not going to be retroactive.
 
derFunkenstein
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Re: Darn it, Equifax!

Fri Sep 08, 2017 3:32 pm

Tangential: some Equifax execs sold stock after the breach but before informing the public: http://www.marketwatch.com/story/equifa ... 2017-09-07

They claim to have had "no knowledge" but please...
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Usacomp2k3
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Re: Darn it, Equifax!

Fri Sep 08, 2017 4:10 pm

Neither my wife or I are effected. Yay for saying no to debt/credit except for the mortgage.
 
Mr Bill
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Re: Darn it, Equifax!

Fri Sep 08, 2017 6:34 pm

DragonDaddyBear wrote:
https://www.equifaxsecurity2017.com/
Over 140 million people. SSN's and more were compromised.
The website is not responding.
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NovusBogus
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Re: Darn it, Equifax!

Fri Sep 08, 2017 7:30 pm

Krogoth wrote:
Internet has never been a secured network or environment. It has always been that way by design. It is just a matter of time and motivation for certain parties to find an exploit against lucrative targets.

Better get used to these "leaks" until people start to realize that transmitting sensitive information on the internet isn't so hot and carries significant risks.

Would it be fair to say that Krogoth is not impressed by Internet security? :)

In any case, I agree--funneling everything into a single giant all-seeing data gulag may be convenient for large corporations and the glorious dotcom master race but it's not going to end well.

As for the breach, I checked the site and got the "deferred" message saying to try again next week. I'm assuming that means that I'm not in the known compromised database(s) but I am in one or more that they're not sure about.
 
DragonDaddyBear
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Re: Darn it, Equifax!

Fri Sep 08, 2017 10:04 pm

https://arstechnica.com/tech-policy/201 ... -find-out/

Wow. Even if it's not legally enforceable you have to sue just to get the right to sue for the massive fail affecting your life (assuming nothing changes). Not cool. I'm just going to freeze my credit and, if affected later, maybe sue. I've heard that small claims against larger companies are some what successful. I hope i never need to try.

Seriously, some C level probably deserves jail time buy that will never happen. Especially since they took so long to disclose and sold a took of stock, though allegedly they didn't know... uh huh
 
Hawkwing74
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Re: Darn it, Equifax!

Mon Sep 11, 2017 8:24 am

I put a credit freeze on Equifax, Transunion and Experian this weekend. Equifax did not charge me but the others did. I guess since I was a victim of their error, it was free for Equifax.

My wife was not affected so we have that at least.
 
cheesyking
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Re: Darn it, Equifax!

Mon Sep 11, 2017 8:41 am

Mr Bill wrote:
DragonDaddyBear wrote:
https://www.equifaxsecurity2017.com/
Over 140 million people. SSN's and more were compromised.
The website is not responding.

Sounds like that website was full of crap anyway:
https://krebsonsecurity.com/2017/09/equifax-breach-response-turns-dumpster-fire/
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