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Equifax Security Breach

Credit reporting agency Equifax recently announced the discovery of a data breach that occurred from mid-May through July 2017, potentially impacting up to 143 million U.S. consumers.


  • Details
  • On Thursday, September 7, 2017, the credit reporting agency Equifax announced the discovery of a data breach that occurred from mid-May through July 2017, potentially impacting about 143 million U.S. consumers. The information accessed primarily included names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. Additionally, about 209,000 credit card numbers and dispute documents for 182,000 consumers were impacted.
     
    You can help protect your accounts by taking the following steps:

    • Contact a dedicated Equifax call center at 866-447-7559 between 7:00 a.m. to 1:00 a.m. EST with questions.

    • Place a free 90-day fraud alert on your credit file through one of the three credit reporting agencies: Experian (888-397-3742), Equifax (888-766-0008), or Transunion (800-680-7289).

    • Monitor your credit closely through the Annual Credit Report web site.

    • Monitor your accounts closely for charges you don’t recognize.

    Truliant is currently working with Equifax to determine if any of our members’ information may have been accessed as a result of this incident. Truliant members should closely monitor their credit reports and account statements for irregularities and fraudulent activity. You can also schedule a No-Cost Credit Review at any of our 33 locations to review your credit report with a Truliant Member Services Specialist. For more information, please visit the No-Cost Credit Review section of our web site. Additionally, you can call us, or schedule an appointment online for a time that is convenient for you.  

    We continue to stay in close contact with representatives at Equifax and, as with any data compromise, any further information that impacts our members will be communicated immediately. If you notice unauthorized charges are processed with your current Truliant Visa debit and/or credit card(s), or would like to schedule a No-Cost Credit Review, please call us immediately at 800.822.0382

     

    EQUIFAX SECURITY BREACH FAQs

    What are the details of the Equifax data breach?

    On Thursday, Sept. 7, 2017, credit reporting agency Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. This breach included personal consumer information – social security numbers, birth dates, addresses and, in some instances, driver’s license numbers. Additionally, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. The company has found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases.

    How long has the breach been going on?

    Equifax discovered the unauthorized access on July 29, 2017. The company has engaged a leading independent cybersecurity firm to conduct an assessment and provide recommendations on steps that can be taken to help prevent this type of incident from happening again.

    Has Truliant been impacted?

    No Truliant systems were compromised through this data breach. We continue to stay in close contact with representatives at Equifax for further details. As with any data compromise, any further information that impacts our members specifically will be communicated to them immediately.

    What information was breached?

    The information accessed includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. Equifax has not yet released information on which credit card issuers were impacted.

    Is Equifax notifying consumers of the breach?

    Yes. Equifax has posted a notice on its website informing consumers of this incident. Additionally, it will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. It is also in the process of contacting U.S. state and federal regulators and has sent written notifications to all U.S. state attorneys general, which includes Equifax contact information for regulator inquiries.

    How can I tell if my information has been compromised?

    We encourage consumers to closely monitor their credit reports, account information and statements for any fraudulent activity.

    What can I do to protect my information?

    First, if think you’re information may have been compromised, you can place a 90-day fraud alert on your credit file. This is free and will require lenders to contact you if someone (including yourself) tries to apply for credit. You only have to do this with one bureau in order for the alert to be placed on all three:

    • Equifax : 888-766-0008
    • Experian: 888-397-3742
    • Transunion: 800-680-7289
    All U.S. consumers can monitor their credit with free annual credit reports available through www.annualcreditreport.com to monitor for fraud. If consumers notice any irregularities, they should contact their financial institution immediately. Truliant members can also schedule a No-Cost Credit Review to review their credit report with a Member Services Specialist. For more information, visit www.truliant.org and select No-Cost Credit Review in the Reach Your Goals section of the web site.

    Consumers with additional questions should contact Equifax’s dedicated call center at 866-447-7559, which Equifax set up specifically for this breach. The call center is open every day (including weekends) from 7:00 a.m. to 1:00 a.m. EST.

    What can I do to help deter fraud in my Truliant accounts?
    • Change your account passwords regularly and use passwords that are not easily recognizable
    • Add text alerts to your Truliant accounts. These can inform you when large purchases are made and help you to monitor for fraud
    • Do not release your account information over the phone.

    What do I do if I become a victim of identity theft?

    From the Federal Trade Commission web site, www.ftc.gov:

    • File a police report with the local authorities
    • Freeze your credit file with all three bureaus. This is free with a valid police report. Lenders will provide you with a PIN number, and lenders will not be able to access your credit file without it.
    • Fill out a Form 14039 and send it to the IRS.
    • Keep good financial records.