You may have heard about a lawsuit filed regarding a data breach concerning social security numbers. I encourage you to read at least the first few pages of the linked class action complaint to see how massive a violation of privacy this is.
The data breach concerns National Public Data, a company which offers background checks. They collect personally identifiable information (PII) as a part of their business. The defendant claims that NPD scraped PII from non-public sources (¶11). NPD then stored the data in an insecure manner and did not adequately protect this personal information (¶25). Consequently, a hacking group by the name of “USDoD” stole records of 2.9 billion individuals from NPD. According to the document, the data was independently reviewed by VX-underground, the cybersecurity company. They confirmed the breach included full names, address and address history, and social security numbers. They were also able to identify familial connections, both living and deceased (¶ 22-24).
Based on this class action complaint, NPD’s conduct was grossly negligent, leading to potential identity theft for almost anyone in the United States. It was also a massive privacy violation by scraping data from non-public sources. Even after they took millions of Americans personal information, they failed to secure the data from hackers.
Criminals can ruin your life if they target you with this information. They can open lines of credit without you knowing. You might only find out until creditors call you, demanding that you pay them back (¶60).
So, yeah. I am very concerned. I’ll have to figure out how to defend against this identity theft. Overall, I’m new to the privacy community, but I’m feeling like “privacy” in the United States is an absolute mess. If your data wasn’t somewhere on the dark web, it might be now. Protect your data. Stay safe.
Freeze your credit report at all three credit agencies and ChexSystems. That should protect you from most fraud that involves opening new accounts.
The best time to have frozen your credit reports at all three agencies was many many years ago. The second best time is right now. Not tomorrow. Now.
so when you freeze your credit your credit score can’t go up either?
Paying things on time has no effect at that point then right?
No, it just prevents banks, etc from checking your credit score/rating, which prevents anyone from opening a new account under your name. When YOU want to open an account, you temporarily unfreeze it for a couple days so that the institution you’re opening an account at can check, and then refreeze it.
The credit agencies will continue monitoring how much credit you have and how well you pay your bills and adjust your score accordingly. Freezing has no effect on that.
There’s no longer any restrictions on feeezing and thawing your credit from the big 3 agencies. All of them also offer temporary thawing that automatically freeze after a designated time. Do not under any circumstance permanently thaw them again. If you need new credit cards, credit checks from apartments or mortgaging / car loans, just work with your lender / seller to figure out which agency they will query and when. Set a temporary thaw for as small amount of time as you can, and all will be peachy. What’s more, after a temporary thaw, get a credit report in a couple months after that to verify nothing snuck in during that time.
What does freezing your credit do, exactly? Is this still something someone should do if they don’t even have any credit cards?
I’ve generally been pretty ignorant toward how credit reporting works.
Freezing your credits means you (or anyone else) cannot access your credit report to open new lines of credit. No credit cards, mortgages, car loans, nothing.
Exactly.
But it’s very easy and fast to temporarily thaw it when you want to apply for credit.
I’ve been doing it for years.
What does freezing your credit do, exactly?
It prevents opening new credit cards or other lines of credit in your name.
The reason this matters is lots of fraudsters are using names and SSNs they bought on the dark web, to open credit cards they have no intention of paying back.
If you’re an American, your name and SSN combination is almost certainly for sale for about 25 cents, on the dark web, today.
Freezing your credit at all three agencies is the only effective prevention, today.
The credit agencies will attempt to charge you a monthly fee for the privilege, but don’t fall for it. They’re legally required to provide the service for free.
If I’m ever a juror on a murder trial where the “victim” worked in leadership at one of the big three credit agencies, I’ll have to admit that I couldn’t possibly convict someone for that.
Is this still something someone should do if they don’t even have any credit cards?
Yes. Absolutely. Being a victim of credit fraud can make it impossible to get a home mortgage, or even get certain jobs or apartments. It can be incredibly difficult and expensive to clean up, and the burden is largely left entirely on the victim.
How can anyone genuinely write that and still support any country that imposes it.
Laughable. Fuck this country.
Not easily. The scammer likely has your current address & contact info, but knows nothing about your history.
To confirm your identity when you contact these reporting agencies they will use details from your credit history by asking detailed questions the scammer likely won’t know. For example it might be questions like these:
- What kind of car did you purchase in 2005?
- Honda
- Ford
- Saab
- Jeep
- None of the above
- Which one of these companies did you work for previously?
- IBM
- Pizza Hut
- Macy’s
- Jiffy Lube
- None of the above
They’ll throw 3 or 4 questions like these at you that you’ll have to answer correctly. They might involve places you used to live, banks you have had accounts with, etc. The chances of a scammer with your SSN knowing all these details about you is pretty tiny.
Freeze your credit:
Yes! And don’t pay these assholes a dime for the privilege.
They’re legally required to provide freezes for free, but two of them were trying to sell it as a service through misleading page links, last time I checked.
Everyone in the US should freeze their credit. Yes, it sucks that you have to unfreeze it to apply for new credit but it doesn’t actually suck that bad. Everything is done through the websites.
Also what ever email you use, enable 2 factor authentication. I think using OTA is better because people have had their numbers sim swapped.
Don’t forget these companies didn’t exist before the late 80’s and credit worked just fine without them.
I’ve never had an account with these. Do I need to create an account with them to freeze my credits? And what kinds of information should I give / not give when I do?
I tried to create an account with TransUnion but it said the identity check failed and won’t create an account, I have no idea what to do now.
The news is kind blowing this up bigger than it really is. But I find this as a good thing because I’ve noticed a few people FINALLY taking the advice I’ve been giving for years now, and that’s to freeze your credit at the big bureaus and some, if not all, of the smaller ones.
That being said, I checked this data dump for my own data as well as a bunch of friends and family. Not a single person I checked was in it… Which is why I’m not finding this breach to be that frightening personally. The ATT breach was way worse. Also Krebs posted on this today… A good read for anyone interested. Main thing I took from it was a large number of these entries belong to people who have passed away already.
protip: the “required” birth year is fake, it accepts any number >= 1900 and still returns all matches regardless of birth year
Sample size of 1 is not indicative of anything though… several entire families I know were in it when I checked, even people that have been dead for decades, still had their name, address history, DOB, SSN and phone number.
Personally I consider this way bigger than previous ones because of how accessible the data is. I could never find the previous Experian one, but there’s several sources for this one now, and seems to have a lot more information in it.
I wonder if you and your social circle skews younger.
While I wasn’t able to find myself, my spouse, or my younger siblings, I was able to find both my parents, their friends, and older family.
Friends and I are in the upper 30s and 40s range so not young not old I guess lol. For the family side, I tend to look for all my closer relatives which range in all ages. While there were many many lines that matched our last names, the entries that were a match didn’t have the right phone numbers or addresses (so couldn’t really validate if they were us or others with the same name). Or it could always be that they were addresses so old that I don’t have a record of them to compare to… Considering a large chunk of the data is apparently old, it’s possible that could be a reason I didn’t see everyone, too? I’ll probably go back and dig a little deeper on the family side since I haven’t deleted the data yet.
