This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: "https://hubpages.com/privacy-policy#gdpr"

Show Details
Necessary
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
Features
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Marketing
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Statistics
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
jump to last post 1-6 of 6 discussions (21 posts)

Experian data breach

  1. TIMETRAVELER2 profile image98
    TIMETRAVELER2posted 9 months ago

    Just a heads up.  If you are trying to protect your personal info by using the Experian webstie, there are two things to take note of.

    First, before you input the very sensitive info they request, make sure you are on a secure, encrypted computer.  They don't tell you to do this until later in the directions, and I fear it can cause rather than protect you from problems.  I missed it and could kick myself for doing so

    Second, if you are married, make sure you input data for both you and your spouse because the protection is done based on your own Social Security number.

    In our case, it was weird because I was told that MY info had not been impacted, but my husbands had!

    They will give you a free year of monitoring protection, which is good, but if you want to put a freeze on your credit, it may cost you money and for some, inconvenience.

    Also, I would be very careful when downloading new sites that you may not have dealt with before. 

    Finally, if you don't already have one, install a really good anti virus program and a malware program and run scans often.

    It could be years before they mop up this mess and your info (and mine) will be out there.

    I understand there is also a class action suit about this that you can join.  Don't know the details but you can look all of this up online.

    Can't help but wonder if the Russians are behind this one.  Pretty Scary.

    1. wilderness profile image97
      wildernessposted 9 months agoin reply to this

      Thanks for the heads up, TT.  My wife and I both may have been affected and will be signing up tomorrow through equifax for whatever help they offer.

      1. TIMETRAVELER2 profile image98
        TIMETRAVELER2posted 9 months agoin reply to this

        I was unable to get through to sign up for a credit freeze right now because we live in FL. Am thinking this is because of the hurricane damage here?  Good luck.

  2. Stacie L profile image89
    Stacie Lposted 9 months ago

    Don't you mean Equifax breach?

    1. TIMETRAVELER2 profile image98
      TIMETRAVELER2posted 9 months agoin reply to this

      Yes, I did. Sorry.  I was very tired when I wrote this...too much going on. Yes, it is Equifax...but from what I understand if you want to freeze your credit, you'll have to do it on all three sites, not just Equifax.

      1. wilderness profile image97
        wildernessposted 9 months agoin reply to this

        Or even 4 sites.  I didn't know it, but there is a fourth, smaller site that you really should freeze as well.

        1. TIMETRAVELER2 profile image98
          TIMETRAVELER2posted 9 months agoin reply to this

          Do you know its name?  I had no idea there was another, but this breach is so bad that people will have to do everything possible to protect themselves. 

          What concerns me is that this happened between May and July, so several months went by before they told us about it.  I wonder how many people have had problems as a result of the lag time.

          1. wilderness profile image97
            wildernessposted 9 months agoin reply to this

            I don't know.  I saw it, I think, on a facebook post about freezing credit.  Skimmed it over, but wasn't all that interested in freezing mine (yet) so didn't take notes or even write down the site.  But I'm sure it listed 4...if it's not a scam to get money for a freeze that means nothing at all!

            Sorry, TT, can't help you here, and I did some google work trying to find a 4th site.

            1. TIMETRAVELER2 profile image98
              TIMETRAVELER2posted 9 months agoin reply to this

              OK.  Thanks.  It may just have been something someone thought was the case OR was a scam!

  3. Stacie L profile image89
    Stacie Lposted 9 months ago

    They want money each time you freeze and thaw your report...and they are coming up with more services for the consumers to pay for
    I froze my reports years ago and now experian wants a monthly fee to monitor your credit reports if you want to freeze it

  4. ptosis profile image80
    ptosisposted 8 months ago

    Equifax stands to make money off consumers through at least two major ways. The first is its own credit monitoring product. While Equifax has ceased selling credit monitoring directly to consumers after the data breach was announced, the free credit monitoring and identity theft protection Equifax is currently offering right now will only be free for a year.

    After that, consumers will have to pay for it at the standard rate of $17 a month.

    "Credit reporting agencies like Equifax make billions of dollars collecting and selling personal data about consumers without their consent, and then make consumers pay if they want to stop the sharing of their own data," said Warren

    The Freedom from Equifax Exploitation Act would require credit reporting agencies to provide customers with stronger fraud alert protections and an additional free credit report.

    Warren and Schatz say the bill would also prevent credit reporting agencies from profiting off of consumers' information during a credit freeze.

    ____________
    Question: Yea or Nea the Freedom from Equifax Exploitation Act?

    1. wilderness profile image97
      wildernessposted 8 months agoin reply to this

      How about if we change the laws so that the victim of identity theft is no longer responsible for financial loss?  Put it on the business that failed to take adequate protections to verify identity or let that company go after the source of the leak, if know.

      There is almost always a red flag in identity theft cases - let those that ignore that flag cover the costs.

      1. ptosis profile image80
        ptosisposted 8 months agoin reply to this

        I don't know what you mean by "always a red flag in identity theft case". Are you talking notifying the customer that very day, for free? My bank card does that. I've set it up so that every purchase is emailed to me, in case someone stole my CC#.

        I don't think the credit agencies would do that, they have no motivation to do so.

        1. wilderness profile image97
          wildernessposted 8 months agoin reply to this

          Along those lines.  A loan application, in person in Alabama, from a person living in Utah.  A money transfer from a bank account to a private account in another state.  A car purchase states away, via the internet.  There is usually something that can indicate a possibility of fraud.

          No, it wouldn't come from credit agencies; it would be the outfit offering loans, bank transactions, whatever.  Not the credit agency.

          But it would also mean that the days of instant credit are over; some verification process would be required.  A phone call, for instance, before shifting money or giving a loan.  Are we willing to pay that price?

          1. ptosis profile image80
            ptosisposted 8 months agoin reply to this

            I remember my theft. I was so mad. Expected $2k in bank but = $0.
            Went to banks ASAP, since it was a Monday, and $2k of internet transactions over the weekend still pending, I didn't even have to be responsible for the first $50.

            I wanted to call the police,but the bank said that they will handle everything. At that time, had a local ISP that I signed up with my credit card. For three months tried to cancel it. I suspect it was the shyster ISP.

            From then on, I have a separate minimal checking account that is linked to my paypal. So even if breached - what they'll get is a whole $10. I transfer money same day to paypal, etc. Totally paranoid since that incident.

            1. wilderness profile image97
              wildernessposted 8 months agoin reply to this

              Happened to me, too - an eBay purchase for a fur coat purchased from a different state and to ship overseas.  Paypal had already down checked the transaction as possibly fraudulent, but DID take money from my bank.  What really frosted my behind was my bank wanted overdraft fees because they advanced more than was in the account in the crime.  Got it all back, but had to go to upper management of the bank (a large chain).  LOL and the branch manager got fired; he insisted he didn't have to follow the law in assisting me to fill out fraud forms because he didn't have the required paperwork (it is in the computer, waiting to be printed out).

              Yeah, like you I now have a separate, tiny, bank account for paypal.  Only makes sense and doesn't add much effort.  Should probably be in a different bank, but I don't go that far.

              1. TIMETRAVELER2 profile image98
                TIMETRAVELER2posted 8 months agoin reply to this

                I had an Ebay purchase that went bad.  I contacted the seller, but he refused to pay me back. I then contacted three other buyers he had defrauded.  I got a hold of the local police and worked out a deal with them to contact and threaten him.  I also found out he was a grad student at a Universty in Wisconsin.  By the time I was done with my research, I knew where he lived, who his college counselor was, etc and told him I'd have him arrested if he didn't return my money.

                By this time the police had also notified him.  He had the nerve to give the money back and then ask for his fraudulent product back!  The police held it as evidence, so in the end, he lost the whole deal....I reported him to Ebay, but he continued to sell on that site for years!

                Never mess around with an old lady!

                1. wilderness profile image97
                  wildernessposted 8 months agoin reply to this

                  Recently bought a factory refurbished cell phone through WalMart Marketplace.  Came in DOA, with water damage markers inside, Samsung never saw it.  Contacted WalMart who gave me info for the seller.  He wanted a 25% restocking fee, and I pay shipping to get it back to him.  Two calls later, to WalMart, the second to management, and I was told to forget it, keep the phone to do with as I wish and they promptly refunded the money.  Sold the phone to a repair shop for parts (in great physical condition, just DOA) for $100.

                  Quite a nice scam going - sell it for 250, get $60 "restocking" fee and sell it to someone else.  But it ended with me.

          2. TIMETRAVELER2 profile image98
            TIMETRAVELER2posted 8 months agoin reply to this

            You betcha'

  5. ptosis profile image80
    ptosisposted 8 months ago

    Insult to Injury:

    The Government Accountability Office (GAO) is pushing back against the Internal Revenue Service's (IRS) claim this week that it had to give a $7.25 million, no-bid contract to Equifax in the wake of its massive data breach.

    "Congress gave agencies, like IRS, the tools to move forward under appropriate situations. They appear to be electing not to use it,” GAO public affairs managing director Chuck Young told Politico.

    Young's comments come after the IRS agreed to give Equifax the more than $7 million contract to verify taxpayers' identities and help combat fraud, according to a recently-issued contract.



    The IRS is hiring the embattled credit reporting agency to “verify taxpayer identity and to assist in ongoing identity verification and validations needs of the Service,” according to its filing on Federal Business Opportunities, a website that lists federal contracts.

    The IRS labels Equifax as a “sole source order,” which means that the agency believes the credit reporting company is the only business capable of providing the service.

    ADVERTISEMENT

    IRS Commissioner John Koskinen defended the company's decision in a letter to Rep. Earl Blumenauer (D-Ore.) obtained by Politico saying, “the only alternative” to doing business with Equifax was “to shut down all online access to taxpayer accounts.”


    I call B.S. there are two other major credit raters.

    Seems Equifax has friends in high places.

  6. Shogun profile image45
    Shogunposted 5 months ago

    It's been a few months since the massive Equifax data breach, and as this Gizmodo headline indicates... Congress still has done very little to assuage our fears: "Post-Equifax, Failure of US Lawmakers to Protect Data-Breach Victims is Glaring."

    More data breaches will be coming in 2018, and with little protection for consumers, we're going to be the ones paying the price (again)...

 
working