EPIC Equifax Data Breach

DottyвЂs Reveals Detals about Data Breach ncdent

Equifax, one of the three major consumer credit reporting agencies in the United States, announced in September 2017 that its systems had been breached, exposing the sensitive personal data of 148 million Americans. The leaked data included names, home addresses, phone numbers, birth dates, Social Security numbers, and driver's license numbers. Also exposed were approximately 209, 000 credit card numbers. The Equifax data breach is unprecedented in its scope and severity. While there have been large-scale security breaches by other companies in the past, the sensitivity of the personal information held by Equifax and the scale of the problem make this breach unprecedented.

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Chinese military indicted for Equifax data breach The U. S. government has indicted four members of the Chinese military for hacking Equifax and stealing the personal information of 150 million Americans. They conspired to break into Equifax's computer network, maintain unauthorized access to its computers, and steal sensitive personal information about about half of the U. S. population. EPIC President Marc Lautenberg testified about the Equifax data breach in the House of Representatives in 2018 and in the Senate in 2017. Lautenberg warned lawmakers and regulators that the U. S. government's failure to protect Americans' personal information puts U. S. consumers at risk from foreign adversaries. In the Harvard Business Review, Lautenberg said, "Consumer privacy is not a goal that can be achieved by the marketplace; it must be mandated by Congress." EPIC is calling for the passage of the Online Privacy Act (H. R. 4978) and the creation of a U. S. Data Protection Authority. (February 10, 2020)
"Equi Fax Settlement: Let's exercise the rights!" If you spend time to recover from information leaks, or if you spend a loss or expense for information leakage, you can claim up to $ 20, 000 up to $ 20, 000. Credit monitoring or $ 125 cash payment is easy and you do not need documents, but the actual amount of payment may be reduced depending on the total number of claims. If you want to pay the time or expense lost due to information leakage, you will need a supported documents. The reconciliation also requires Equei Fax to provide six free credit reports to all US consumers a year. EPIC's President Mark Rothenberg testified at the Senate Bank Committee and recommended free credit freezing and other consumer relief measures after the data out of 2017. (July 30, 2019)

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AGS in CFPB, FTC, and 48 states today announced a reconciliation with Equifax due to the 2017 data leakage of 143 million US personal information. The company, which provides authentication services, has neglected to protect the name, address, date of birth, and SSN of 147 million Americans, and have failed to respond after noticing information leakage. EPIC's President Mark Rothemberg testified in the House of Representatives in 2018 in the House of Representatives in 2018, in the House of Representatives in 2018. Rothenberg warns parliamentarians and regulators that "Equifax data leakage is one of the most serious situations in national history." EPIC has updated the Federal Personal Information Protection Law and requested a member of the Diet to conduct an effective investigation. In Harvard Business Review Magazine, Rothenberg explains the importance of information leakage: "Reform should not only solve these problems, but also aim to change the industry better," he wrote. In the settlement clause, Equi Fax will pay up to $ 425 million to consumers affected by information leakage and impose a $ 100 million civil fine. Epic has recently called for the establishment of the US Data Protection Agency. "Equi Fax Settlement: Let's exercise the rights!" If you spend time to recover from information leaks, or if you spend a loss or expense for information leakage, you can claim up to $ 20, 000 up to $ 20, 000. Credit monitoring or $ 125 cash payment is easy and you do not need documents, but the actual amount of payment may be reduced depending on the total number of claims. If you want to pay the time or expense lost due to information leakage, you will need a supported documents. The reconciliation also requires Equei Fax to provide six free credit reports to all US consumers a year. EPIC's President Mark Rothenberg testified at the Senate Bank Committee and recommended free credit freezing and other consumer relief measures after the data out of 2017. (July 30, 2019)

Other top news

AGS in CFPB, FTC, and 48 states today announced a reconciliation with Equifax due to the 2017 data leakage of 143 million US personal information. The company, which provides authentication services, has neglected to protect the name, address, date of birth, and SSN of 147 million Americans, and have failed to respond after noticing information leakage. EPIC's President Mark Rothemberg testified in the House of Representatives in 2018 in the House of Representatives in 2018, in the House of Representatives in 2018. Rothenberg warns parliamentarians and regulators that "Equifax data leakage is one of the most serious situations in national history." EPIC has updated the Federal Personal Information Protection Law and requested a member of the Diet to conduct an effective investigation. In Harvard Business Review Magazine, Rothenberg explains the importance of information leakage: "Reform should not only solve these problems, but also aim to change the industry better," he wrote. In the settlement clause, Equi Fax will pay up to $ 425 million to consumers affected by information leakage and impose a $ 100 million civil fine. Epic has recently called for the establishment of the US Data Protection Agency. "Equi Fax Settlement: Let's exercise the rights!" If you spend time to recover from information leaks, or if you spend a loss or expense for information leakage, you can claim up to $ 20, 000 up to $ 20, 000. Credit monitoring or $ 125 cash payment is easy and you do not need documents, but the actual amount of payment may be reduced depending on the total number of claims. If you want to pay the time or expense lost due to information leakage, you will need a supported documents. The reconciliation also requires Equei Fax to provide six free credit reports to all US consumers a year. EPIC's President Mark Rothenberg testified at the Senate Bank Committee and recommended free credit freezing and other consumer relief measures after the data out of 2017. (July 30, 2019)

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Senator Warren, Senator Warner, Representative Caminges, and House of Representatives Krishna Oold have submitted the 2019 data leakage and compensation. The bill provides consumers for stolen data, imposing forced penalties for credit investigations against data infringement, and enhancing FTC authority for data security of credit investigations. The members of the Diet also announced a new report, "Destruction of Trust," the CFPB complaint database has failed to protect consumer after equifax information. According to the report, consumers have complained of more than 52, 000 complaints since Equifax announced information leakage in September 2017. After the outflow of EQUIFAX data, Epic President Mark Rothenberg has testified by the Senate Bank of Bank and recommended free credit freezing and other consumer protection measures to reduce the risk of theft of personal information.

In the report announced this week, the Senate National Land Security Investigation Subcommittee has been in Equeifax for several years before the 2017 larg e-scale information leak, which influenced 148 million US consumers. He revealed that he was aware of the weaknesses of cyber security. In the Senate Report, Equi Fax selected "more efficient business operations than security protocols", so that foreign governments can access authentication information including American consumers and SSN. I revealed that. In December, the House of Representatives monitoring committee published a report, saying that Equi Fax's information leakage was "completely prevented." After the outflow of Equi Fax's data, EPIC's President Mark Rothenberg has testified by the Senate Bank Committee and recommended free credit freezing and other consumer protection measures to reduce the risk of personal information theft.

In comments on FTC, Epic recommended free credit monitoring to all consumers. FTC plans to oblige all active servants in accordance with the laws enacted last year. EPIC stated that FTC should work on Congress to expand free credit monitoring services. This law includes several consumer protection measures supported by EPIC. (1) Obligation to provide consumers free of charge to consumer information agencies to restrict thir d-party access to personal information, (2) provide clear provisions for these freeze. (3) Installing new protections for the credit record of minors. EPIC recommended credit free and free credit monitoring services in testimony in the Senate and House of Representatives after the deployment of Equifax.

In a report released today, the House Oversight Committee asserted that the Equifax data breach, which affected 148 million U. S. consumers, was "completely preventable." The breach was one of the largest in U. S. history, exposing the birthdates, Social Security numbers and other authentication information of more than half of U. S. consumers. The House report concluded that Equifax "failed to adequately assess and mitigate" cybersecurity risks and prioritized company growth over data safety. Although multiple agencies, including the CFPB and FTC, have pledged to take action against the company, none have done so. The House committee recommended that Equifax "provide more transparency to consumers" about its data use and security practices, and reduce the use of Social Security numbers as identifiers, a long-standing EPIC priority. After the 2017 Equifax data breach, EPIC Chairman Marc Lautenberg testified before the Senate Banking Committee and recommended free credit freezes and other consumer protection measures to reduce the risk of identity theft.

The Government Accountability Office released a report on "Equifax and Federal Agency Actions in Response to 2017 Data Breaches." The GAO report details the 2017 Equifax data breach, which exposed the credentials (SSN, birth data) of more than 100 million Americans. It also summarizes the response of Equifax and federal agencies. To date, no federal agencies have taken action against Equifax in the wake of one of the largest data breaches in U. S. history. Rep. Luetkemeyer (R) has introduced a bill that would codify basic data breach notification standards for the financial services industry, but would preempt stronger state laws. The House Financial Services Committee is scheduled to vote on the bill this week. In testimony before the House Financial Services Committee in February, EPIC urged Congress to ensure the CFPB takes action against Equifax and pass comprehensive data protection regulations that do not preempt state laws.

EPIC and a coalition of consumer groups have sent a letter to Acting Director Mick Mulvaney urging him not to block public access to the CFPB's consumer complaint database. "The public complaint database is a tool for individuals to inform and protect themselves in the marketplace," the groups said. Mulvaney recently said at a banking industry conference that he is considering blocking access to the database. The database has helped expose many financial institutions for misconduct, including Equifax's failures after the data breach, as detailed in a report just released by three senators. EPIC is calling on the CFPB to step up its investigation of Equifax and has filed a Freedom of Information Act request to obtain information about that investigation.

Senators Warren (D-MA), Schatz (D-HA), and Menendez (D-NJ) released a report examining thousands of consumer complaints filed with the Consumer Financial Protection Bureau after Equifax's massive data breach last fall. The report, titled "Breach of Trust," reveals the extent to which Equifax failed to address the significant harms consumers faced as a result of the data breach. The senators sent the report to the CFPB along with a letter calling for Equifax to be held accountable. Despite the overwhelming number of complaints, the CFPB has not announced any action against Equifax, eight months after the breach. The senators also scolded Director Mulvaney for his recent suggestion that he would end public access to the CFPB's complaint database. In February testimony before the House Financial Services Committee, EPIC called on Congress to ensure that the CFPB takes action against Equifax. A Reuters article in February said the CFPB had dropped its investigation into Equifax, but Mulvaney later confirmed that the investigation is still ongoing. EPIC has filed Freedom of Information Act requests to obtain information about the CFPB's investigation of Equifax. EPIC and a coalition of consumer groups have sent a letter to Acting Director Mick Mulvaney urging him not to block public access to the CFPB's consumer complaint database. "The public complaint database is a tool for individuals to inform and protect themselves in the marketplace," the groups said. Mulvaney recently said at a banking industry conference that he is considering blocking access to the database. The database has helped expose many financial institutions for misconduct, including Equifax's failures after the data breach, as detailed in a report just released by the three senators. EPIC is calling on the CFPB to step up its investigation of Equifax and has filed a Freedom of Information Act request to obtain information about that investigation.

Senators Warren (D-MA), Schatz (D-HA), and Menendez (D-NJ) released a report examining thousands of consumer complaints filed with the Consumer Financial Protection Bureau after Equifax's massive data breach last fall. The report, titled "Breach of Trust," reveals the extent to which Equifax failed to address the significant harms consumers faced as a result of the data breach. The senators sent the report to the CFPB along with a letter calling for Equifax to be held accountable. Despite the overwhelming number of complaints, the CFPB has not announced any action against Equifax, eight months after the breach. The senators also scolded Director Mulvaney for his recent suggestion that he would end public access to the CFPB's complaint database. In February testimony before the House Financial Services Committee, EPIC called on Congress to ensure that the CFPB takes action against Equifax. A Reuters article in February said the CFPB had dropped its investigation into Equifax, but Mulvaney later confirmed that the investigation is still ongoing. EPIC has filed Freedom of Information Act requests to obtain information about the CFPB's investigation of Equifax. EPIC and a coalition of consumer groups have sent a letter to Acting Director Mick Mulvaney urging him not to block public access to the CFPB's consumer complaint database. "The public complaint database is a tool for individuals to inform and protect themselves in the marketplace," the groups said. Mulvaney recently said at a banking industry conference that he is considering blocking access to the database. The database has helped expose many financial institutions for misconduct, including Equifax's failures after the data breach, as detailed in a report just released by three senators. EPIC is calling on the CFPB to step up its investigation of Equifax and has filed a Freedom of Information Act request to obtain information about that investigation.

The EPIC has obtained an e-mail communication record between staff members of the Consumer Financial Protection Bureau for the EQUIFAX data leak survey, through the request of the FREEDOM OF INFORMATION Act. The e-mail revealed that a Reuters reporter contacted CFPB a few days before the article stating that CFPB had canceled the Equifax survey, and had confirmed a specific fact about the article. At that time, CFPB does not correct the allegations of the article, but instead comment on the ongoing survey, but CFPB says, "CFPB has a motivation, expertise, and kno w-how to virtually pursue such problems. I have a brief official statement to the reporter, saying to reporters. In the aftermath of Reuters' Equifax article, CFPB exchanged e-mails on the response to the article, and one staff said, "There is no specific response more than" the news is wrong. " Mick Marvanny has then officially confirmed that CFPB's Equifax survey is still ongoing.

The Securities and Exchange Commission has announced guidance on cyber security risks and incidents. SEC stated that "the importance of cyber security incidents is increasing," and that it is "extremely important" for companies to report cyber security threats on a daily basis. The committee also emphasized that corporate officers should not do business using private information. Equifax was six weeks to notify the data leak, and it was revealed that the company had sold Equifax shares before notification of information leakage, and was accused of insider trading. Epic has long been proposed to oblige information leak notifications. EPIC's President Mark Rothemberg recently testified data security and information leakage notifications, explaining that neglecting data protection threatening not only consumers but also national security. EPIC has obtained an e-mail communication record between the Consumer Financial Protection Bureau, a consumer finance protection Bureau, through the request of the FREEDOM of Information Act. The e-mail revealed that a Reuters reporter contacted CFPB a few days before the article stating that CFPB had canceled the Equifax survey, and had confirmed a specific fact about the article. At that time, CFPB does not correct the allegations of the article, but instead comment on the ongoing survey, but CFPB says, "CFPB has a motivation, expertise, and kno w-how to virtually pursue such problems. I have a brief official statement to the reporter, saying to reporters. In the aftermath of Reuters' Equifax article, CFPB exchanged e-mails on the response to the article, and one staff said, "There is no specific response more than" the news is wrong. " Mick Marvanny has then officially confirmed that CFPB's Equifax survey is still ongoing.

The Securities and Exchange Commission has announced guidance on cyber security risks and incidents. SEC stated that "the importance of cyber security incidents is increasing," and that it is "extremely important" for companies to report cyber security threats on a daily basis. The committee also emphasized that corporate officers should not do business using private information. Equifax was six weeks to notify data leakage, and it was revealed that the company's executives had sold Equ i-Fax shares before they generally notified information leakage. Epic has long been proposed to oblige information leak notifications. EPIC's President Mark Rothemberg recently testified data security and information leakage notifications, explaining that neglecting data protection threatening not only consumers but also national security. The EPIC has obtained an e-mail communication record between staff members of the Consumer Financial Protection Bureau for the EQUIFAX data leak survey, through the request of the FREEDOM OF INFORMATION Act. The e-mail revealed that a Reuters reporter contacted CFPB a few days before the article stating that CFPB had canceled the Equifax survey, and had confirmed a specific fact about the article. At that time, CFPB does not correct the allegations of the article, but instead comment on the ongoing survey, but CFPB says, "CFPB has a motivation, expertise, and kno w-how to virtually pursue such problems. I have a brief official statement to the reporter, saying to reporters. In the aftermath of Reuters' Equifax article, CFPB exchanged e-mails on the response to the article, and one staff said, "There is no specific response more than" the news is wrong. " Mick Marvanny has then officially confirmed that CFPB's Equifax survey is still ongoing.

Personal information was second in all complaints submitted to the Federal Trade Commission in 2017. Despite the decrease in complaints, consumers reported in 2017 that they had lost 63 million dollars $ 63 million than 2016. Epic warns that "the fact that FTC does not take action to increase the threat of consumer privacy and security can lead to catastrophic situation." 2017 was a record year of data leakage. Epic has promoted the implementation of data security standards as part of the 10 proposals for FTC's fiv e-year strategic plan. EPIC's chairman Mark Rothenberg also testified in the Senate and the House of Representatives after the Equi Fax's information leaked case, and appealed to enact the comprehensive data protection law.

Epic President Mark Rothenberg will testify this week at the House of Representatives Financial Service Committee. Rothenberg plans to say, "Data leakage will bring the safety of American families and the national security in Japan." Epic plans to enact the comprehensive data protection law and establish a federal data protection agency. Epic also disagree with CFPB's decision to stop the survey on Data outflow of Equeifax. EPIC warns that the US data protection crisis at risk of national security and international trade, and has called on Congress to repeat the crisis of data protection. Last year, Epic testified in the Senate following the information leak of Equifax and emphasized that the risk of US consumers is increasing.

A group consisting of 31 Senate has sent a letter to Director Leandra Ingrish and Director Mick Marvanny, the Bureau of the Consumer Finance Protection Bureau, that the Bureau has not been investigating the 2017 Equi Fax Information Leakage. 。 "CFPB supervises consumer reporting institutions, investigating how or giving this information leakage to consumers, and taking forced measures as needed. There is, "I wrote. Earlier this week, EPIC requested the Senate Bank Commission to investigate CFPB. EPIC also requested a record for a record for Marbunny's CFPB to stop the Equi Fax investigation.

EPIC has claimed an emergency information disclosure law (FREEDOM OF INFORMATION ACT) for records on the CFPB survey of Equeifax. The data leak in 2017 was probably performed by foreign hostile, leaking 143 million American personal information. Last year, CFPB warned that EQUIFAX's information leaked, as a result of the US soldiers in particular. EPIC is seeking records and related notes on the exchanges between Marbanny and Equeifax, and the decision to discontinue the investigation. EPIC recommended that the committee a thorough investigation on the CFPB survey in a letter addressed to the Senate Bank Commission.

According to recent reports, the Consumer Finance Protection Bureau has surveyed a 2017 Equifax data leakage, which leaked 145. 5 million American personal information. CFPB's Deputy Director Marbunny failed to seek a summoning from the Equi Fax executives and obtain a oathing testimony. Marbeny has canceled the plan to test the Equi Fax security system and refused to offer research from regulatory authorities. EPIC requested the Senate Bank Committee to investigate and stated: "If the press is accurate, the fact that the Secretary of Malvanny did not conduct a thorough investigation on Equeifax was a fraudulent act. In the fall of EPIC, EPIC's epic was the worst in the United States. Ne Banan has proposed measures to strengthen data protection safety guards for American consumers.

In October 2016, Uber acknowledged that the hacker had stolen personal data for 57 million Uber customers and drivers. The data included a name, email address, phone number, and 600, 000 driver license numbers. Uber did not disclose data leakage as obliged by the law, but to delete the information to hackers by $ 100, 000. Uber has a history of abusing consumer privacy. Epic recently testified by the Senate seeking the enactment of a powerful data leakage method that requires companies to immediately notify the affected consumer. In 2015, EPIC complained to FTC for Uber's abuse of personal information. The complaint led to FTC settlement with Uber in August 2017. In 2015, EPIC also proposed privacy laws for Uber and other rid e-sharing companies.

EPIC sent a comment to the Judician criticizing the proposed "internal threat" database. This database is an alternative to a similar database proposed by the FBI last fall and later withdrawn, and the Ministry of Justice is virtually unlimited from visitors to staff, contractors, internships, and the Ministry of Justice. It is possible to do it. EPIC warns that the database size and range are combined with recent government data leakage, and that the database is at risk of federal officials and contractors. Epic has been consistently warn of an inaccurate, no n-safe, too wide government database.

In a press release, the House of Representatives Survival and Reform Committee published a report criticizing the Human Resources Management Bureau's response to the 2015 data leakage. The outflow of this information leaked more than 21. 5 million information, including federal government officials, their families, and friends. The report concluded that the OPM information leakage could be prevented and recommended many measures, including reducing the use of social security numbers. For many years, EPIC has called on the government and Congress to promote privac y-enhanced technology to minimize or eliminate information that can identify individuals. Epic has also supported new restrictions on collecting and using SSN. This year, EPIC has launched the "Data Protection 2016" to make data protection a issue for the 2016 election.

EPIC has submitted Amicas Brief, a Federal Appeal Court, to protect consumers who do not protect personal information. One consumer group appealed for a grocery chain for a hacker for incorrect security measures to be exposed to hackers. The lower court rejected the personal information protection lawsuit because consumers had not yet been damaged by illegal transactions. Epic explained in a preparatory document that the court misunderstood related laws and confused the legal obligation to maintain appropriate security and the damage that consumers ultimately suffer. Epic stated that in the purpose of the complaint, the court should focus on whether the company violates legal obligations such as protection of personal data, including credit card information. Epic regularly submits preparation documents to defend consumer privacy. Epic sent a comment to the Judicial Ministry criticizing the proposed "internal threat" database. This database is an alternative to a similar database proposed by the FBI last fall and later withdrawn, and the Ministry of Justice is virtually unlimited from visitors to staff, contractors, internships, and the Ministry of Justice. It is possible to do it. EPIC warns that the database size and range are combined with recent government data leakage, and that the database is at risk of federal officials and contractors. Epic has been consistently warn of an inaccurate, no n-safe, too wide government database.

EPIC has submitted Amicas Brief, a Federal Appeal Court, to protect consumers who do not protect personal information. One consumer group appealed for a grocery chain for a hacker for incorrect security measures to be exposed to hackers. The lower court rejected the personal information protection lawsuit because consumers had not yet been damaged by illegal transactions. Epic explained in a preparatory document that the court misunderstood related laws and confused the legal obligation to maintain appropriate security and the damage that consumers ultimately suffer. Epic stated that in the purpose of the complaint, the court should focus on whether the company violates legal obligations such as protection of personal data, including credit card information. Epic regularly submits preparation documents to defend consumer privacy. EPIC sent a comment to the Judician criticizing the proposed "internal threat" database. This database is an alternative to a similar database proposed by the FBI last fall and later withdrawn, and the Ministry of Justice is virtually unlimited from visitors to staff, contractors, internships, and the Ministry of Justice. It is possible to do it. EPIC warns that the database size and range are combined with recent government data leakage, and that the database is at risk of federal officials and contractors. Epic has been consistently warn of an inaccurate, no n-safe, too wide government database.

Senator Edward Markey (R-MA) and Representative Joe Barton (R-TX) asked VTech, "How do you protect children's information?" The electronic toy maker recently suffered a cyber hack that exposed millions of children's personal information, including names, addresses, email addresses, download history, birthdates, and gender. Senator Markey and Representative Barton asked about VTech's data and security practices, including compliance with the Children's Online Privacy Protection Act, the data the company collects about children, and its security standards. EPIC has testified before Congress several times on children's data protection and supports updates to the Children's Online Privacy Protection Act.

An administrative law judge dismissed the FTC's complaint that LabMD failed to provide reasonable data security for personal information. The administrative law judge determined that the FTC's unfair trade practice regulations require a showing that consumer harm is "probable," not just "likely." The decision is not binding on federal or state courts, but it left intact the FTC v. Wyndham decision that the FTC can enforce data security standards. EPIC filed an amicus brief against Wyndham, defending the FTC's "important role in protecting consumer privacy and promoting stronger security standards."

A federal appeals court ruled that the Federal Trade Commission (FTC) can enforce data security standards. In FTC v. Wyndham, the FTC sued Wyndham Hotels after the company leaked financial data of hundreds of thousands of customers. The company argued that the FTC does not have the authority to enforce security standards, but the court did not agree. EPIC filed an amicus brief joined by leading technology experts and legal scholars, defending the "FTC's important role in protecting consumer privacy and promoting stronger security standards." EPIC explained that data breaches, which caused more than $500 million in damages last year alone, are one of the biggest concerns of American consumers.

The U. S. Communications Committee (FCC) has settled on a forced investigation of AT & amp; T-T - T-T -consumer privacy infringement. According to the committee, employees of AT & amp; T-call centers around the world have accessed about 280, 000 US customers "CPNI" (call record information) without permission. At & amp; T distributed the information to the stolen mobile phone trafficker. AT & amp; T paid a $ 25 million penalty for the reconciliation, which was the largest data security in FCC history, without the settlement with Belizon in 2014. EPIC has long been supported by protecting the privacy of CPNI for many years.

Background

Equifax and the Credit Reporting Agencies

The Federal Appeal Court today provided FTC vs. Wyndam. The Wyndham Hotel has revealed hundreds of thousands of customer records due to data leakage, but has opposed the FTC authority to enforce data security standards. Epic defended the FTC's "important roles to protect consumer privacy and promote stronger security standards" in the Amicas Brief, which was participated in law scholars and technical experts. Epic explained that the amount of damage due to data leakage (more than $ 500 million last year) has made data security one of the greatest interests of US consumers. Epic warned the court that "deleting the FTC authority that regulates data security will bring dynamite to the dam."

The Rise of Consumer Data Breach and Identity Theft

One of the largest medical insurance companies in Japan, millions of American consumers' medical records. The latest confidential medical information leaks indicates the dangers of "big data" and the wrong conclusion of the report of the Presidential Sciences Academic Advisor, which simply assumes the advantages of data collection. EPIC calls FTC to establish data minimization procedures to reduce the risk of data leakage.

Three bills on data leakage will be submitted to the Senate plenary session after vote for the Senate Judicial Committee. These bills [S. 1151, S. 1535, S. 1408] have a variety of approaches to protect user data and warn users when personal data is inappropriate. Recently, in the Senate and the House of Representatives, Epic has been awarded the federal law, which "precedes" more powerful state law, although Epic has supported new measures for online privacy.

California has enacted an existing state law violation notification in 2001 by Senator Joe Simitian, which was first submitted by Senator Joe Simitian. Since 2002, the California Law has been obliged to notify the data holder if the data has been infringed, but has not stipulated what information should be included in the notification. This new law stipulates information to be provided, including how to contact the credit agency. The law also obliges the Secretary of Justice in case of information leakage. In 2009, EPIC gave a testimony opposed to the "federal preliminary" in the national data leakage method, stating an important law amendment to consumer protection in California and elsewhere in 2009. 。 See Epic: ID theft for details.
The House of Commercial Small Committee has passed the data leak bill "SAFE DATA Act" submitted by Representative Bono Mac (selected in California). This bill requires companies to respond promptly in the event of information leakage and promote the minimum data collection. However, this bill is a more powerful state law and does not fully protect personal information. Epic Secretar y-General Mark Rothemberg has testified the bill about the bill. EPIC emphasized that the problem of data leakage is becoming more serious, and the possibility that the problem will worsen as more user data shifts to clou d-based services. See Epic: Identity Theft for details. Webcast
EPIC Executive Director Mark Rothenberg, a Senate Banking Committee, called on the application of information leakage notifications to financial institutions and to promote authentication technology to reduce consumer risks. Epic pointed out that "the current law cannot protect consumers sufficiently," and featured a recent renowned data leak case in financial sector. The hearing "Cyber Security and Data Protection in Financial Sector" was a data outflow that occurred in Citibun Group and Bank of America in May 2011. The leakage of the information leaked hundreds of thousands of consumers, and the individual lost millions of dollars from the account. Epic had previously testified in the House of Representatives about a bill about data leakage. See Epic: Identity Theft and Epic Testifies in Congress on Data Bright Legison.
EPIC Executive Director Marc Lautenberg testified today before the House Commerce Committee on the SAFE Data Act, a bill introduced by Rep. Bono-Mac that would strengthen protections for sensitive consumer data and require timely notification when data breaches occur. EPIC emphasized that data breaches are a growing problem and that the problem could worsen as more user data moves to cloud-based services. EPIC supported recent changes to the bill that would require companies to act more quickly when data breaches occur and encourage data collection minimization. EPIC recommended changes to the bill to strengthen enforcement, require notification, protect identifiers linked to individuals, and allow state governments to act on behalf of consumers when new issues arise. Webcast Epsilon, a large marketing company, lost names and email addresses of customers from large companies such as Walgreens, JP Morgan Chase, Capitol One, and TiVo. The company announced the data breach last weekend. Data service providers like Epsilon are not well known to consumers and are typically unregulated. Epsilon offers data analytics, targeting, customer profiling, and email tracking services. Previously, EPIC has commented to the Federal Trade Commission and testified to the U. S. Congress on the need for comprehensive privacy protection of customer data. For more information, see EPIC: Identity Theft.

The Senate Commerce Committee held a hearing on S. 3742, "The Data Security and Breach Notification Act of 2010," which would mandate consumer information security policies, regulate the information broker industry, and establish a national data breach notification law. EPIC Director Marc Lautenberg testified on a similar bill in the House of Representatives, recommending support and urging lawmakers to strengthen the proposed law by adopting a broader definition of "personally identifiable information" and allowing stronger state laws to remain. The Senate has so far not addressed these concerns. For more information, see EPIC: Identity Theft.

Governor Schwarzenegger abolished S. B. 20, a bill on California's data infringement, by obligating consumers every time privacy was infringed. However, the governor and the Terminator star signed A. B. 524. The bill is a correction of California's current Paparazzi Prevention Law, facilitating the photographer or media person who has taken or purchased photos without permission, and protects celebrity privacy. See the California Information Security Protection Bureau for more information about privacy in California.

The Energy and Commercial Committee held a public mar k-up session on data infringement bills. The chairman of the small committee intends to enact the law to protect consumers powerfully. EPIC has testified in Congress about the bill of consumer information security policy, regulating the information broker industry, and enacting the National Information Leak Notification Act. For more information, see the EPIC ID theft page.
The new report in the Identity Theft Resource Center has increased 47 % of the United States than in 2007. Regarding 656 information leaks reported at the end of 2008, the report reveals companies, leak categories, and leaked records. The center concludes that most of the infringed data was not protected in both encryption or password. According to FTC, data leakage is the main cause of personal information theft. See the EPIC's personal information theft page for details. Governor Schwarzenegger abolished S. B. 20, a law on California's data infringement, by obligating consumers every time privacy was violated. However, the governor and the Terminator star signed A. B. 524. The bill is a correction of California's current Paparazzi Prevention Law, facilitating the photographer or media person who has taken or purchased photos without permission, and protects celebrity privacy. See the California Information Security Protection Bureau for more information about privacy in California.
The Energy and Commercial Committee held a public mar k-up session on data infringement bills. The chairman of the small committee intends to enact the law to protect consumers powerfully. EPIC has testified in Congress about the bill of consumer information security policy, regulating the information broker industry, and enacting the National Information Leak Notification Act. For more information, see the EPIC ID theft page.
The new report in the Identity Theft Resource Center has increased 47 % of the United States than in 2007. Regarding 656 information leaks reported at the end of 2008, the report reveals companies, leak categories, and leaked records. The center concludes that most of the infringed data was not protected in both encryption or password. According to FTC, data leakage is the main cause of personal information theft. See the EPIC's personal information theft page for details. Governor Schwarzenegger abolished S. B. 20, a bill on California's data infringement, by obligating consumers every time privacy was infringed. However, the governor and the Terminator star signed A. B. 524. The bill is a correction of California's current Paparazzi Prevention Law, facilitating the photographer or media person who has taken or purchased photos without permission, and protects celebrity privacy. See the California Information Security Protection Bureau for more information about privacy in California.
The Energy and Commercial Committee held a public mar k-up session on data infringement bills. The chairman of the small committee intends to enact the law to protect consumers powerfully. EPIC has testified in Congress about the bill of consumer information security policy, regulating the information broker industry, and enacting the National Information Leak Notification Act. For more information, see the EPIC ID theft page.

The 2017 Equifax Breach

The new report in the Identity Theft Resource Center has increased 47 % of the United States than in 2007. Regarding 656 information leaks reported at the end of 2008, the report reveals companies, leak categories, and leaked records. The center concludes that most of the infringed data was not protected in both encryption or password. According to FTC, data leakage is the main cause of personal information theft. See the EPIC's personal information theft page for details.

Equeifax is one of the three largest credit information agencies in the United States (also called credit information agencies). CRA creates personal credit information that allows you to grasp your personal credit history in detail, such as whether you have paid loans and credit card payments. Rather than gathering information from consumers, CRA gathers information from companies such as credit card companies, banks, employers, and landlords. When an individual applies for a credit, the lender draws credit information from Equifax and other CRAs, and confirms that the person has repaid his debt. Loans are much more likely to apply for credi t-led and benefit from individuals who have a regular and repayed history on other lenders. Before deciding whether or not the lender, as well as the lender, will be accepted as the borrower, and before deciding whether to hire the employer, you may request credit information. Credit information can have a significant impact on people's lives.
The scope of data leakage problems is not limited to Equeifax. The consumer report industry has a history of scandals that cyber security was insufficient. For example, in May 2016, the thief of the personal information stealed more than 431, 000 taxes and salary data from Equei Fax. In October 2015, Experians entered a record of 15 million T-Mobile customers, including their name, address, SSN, date of birth, and ID. Equifax, Experian, and Transunion companies leaked celebrity credit information in March 2013. These are just one example of information leaks in credit information agencies.
The range and frequency of data leakage have increased in recent years. The notable information leak is as follows:
Yahoo's information leakage in 2013, which stealed his name, date of birth, date of birth, phone number, and password, is now estimated to have influenced all 3 billion users, which is the largest information leak in record. I am.
In 2015, more than 20 million personal information (including biometric authentication information) was leaked due to data leakage of Office of Personnel Management.

In recent data leaks, it was affected by the stolen credit card number, affected by Chipotore, Home Depot, and the target.

Data leakage has also influenced major banks, educational institutions, medical institutions, and many other companies.

Theft of personal information is a great problem for consumers. The Federal Trade Commission reported in 2016 that 399, 225 personal information theft occurred in the United States. 29 % of them used personal information for tax fraud. More than 32 % reported that his data was used for credit card fraud, increasing rapidly from 16 % in 2015. According to the Judician's 2015 report, 86 % of the victims of ID theft have experienced fraud use of existing account information such as credit cards and bank account information. The report estimates the damage to the US economy of $ 15. 4 billion.

Equifax Response and Criticisms

Theft of personal information can completely disagree with the person's economic future. Criminals who have accessed information that can identify others can open bank accounts and credit cards, make loans, and carry out other financial activities. Theft of personal information gives consumers with the following serious results:

Rejected to use credit cards and loans

Congressional Hearings, Agency Investigations, and Proposed Legislation

I can't rent an apartment or a house.

Local Governments

Increased interest rates for existing credit cards

State Governments

Make employment more difficult

Federal Government

Serious pain and anxiety

On September 7, 2017, Equi Fax announced that about 143 million US consumers had leaked data. The announcement states that some of the UK and Canadian consumers were affected, but the specific number has not been revealed. The company states that unauthorized access occurred from mi d-May to July 2017. Hacker accessed data from Equifax's core consumer credit database, but from the company's online conflict portal web application. The data includes the following:

full name
social security number
date of birth
address
Driver's license number
The vulnerability that caused the invasion was Apache Struts CVE-2017-5638. Apache Struts is a common framework for creating a Java web application managed by Apache Software Foundation. The Foundation issued a statement on vulnerability and released a patch on March 7, 2017. Theft of personal information is a great problem for consumers. The Federal Trade Commission reported in 2016 that 399, 225 personal information theft occurred in the United States. 29 % of them used personal information for tax fraud. More than 32 % reported that his data was used for credit card fraud, increasing rapidly from 16 % in 2015. According to the Judician's 2015 report, 86 % of the victims of ID theft have experienced fraud use of existing account information such as credit cards and bank account information. The report estimates the damage to the US economy of $ 15. 4 billion.
Theft of personal information can completely disagree with the person's economic future. Criminals who have accessed information that can identify others can open bank accounts and credit cards, make loans, and carry out other financial activities. Theft of personal information gives consumers with the following serious results:
Rejected to use credit cards and loans

I can't rent an apartment or a house.

Foreign Governments

Increased interest rates for existing credit cards

Timeline

Make employment more difficult
Serious pain and anxiety
On September 7, 2017, Equi Fax announced that about 143 million US consumers had leaked data. The announcement states that some of the UK and Canadian consumers were affected, but the specific number has not been revealed. The company states that unauthorized access occurred from mi d-May to July 2017. Hacker accessed data from Equifax's core consumer credit database, but from the company's online conflict portal web application. The data includes the following:
full name
social security number
date of birth
address
Driver's license number
The vulnerability that caused the invasion was Apache Struts CVE-2017-5638. Apache Struts is a common framework for creating a Java web application managed by Apache Software Foundation. The Foundation issued a statement on vulnerability and released a patch on March 7, 2017. Theft of personal information is a great problem for consumers. The Federal Trade Commission reported in 2016 that 399, 225 personal information theft occurred in the United States. 29 % of them used personal information for tax fraud. More than 32 % reported that his data was used for credit card fraud, increasing rapidly from 16 % in 2015. According to the Judician's 2015 report, 86 % of the victims of ID theft have experienced fraud use of existing account information such as credit cards and bank account information. The report estimates the damage to the US economy of $ 15. 4 billion.
Theft of personal information can completely disagree with the person's economic future. Criminals who have accessed information that can identify others can open bank accounts and credit cards, make loans, and carry out other financial activities. Theft of personal information gives consumers with the following serious results:
Rejected to use credit cards and loans
I can't rent an apartment or a house.
Increased interest rates for existing credit cards
Make employment more difficult
Serious pain and anxiety
On September 7, 2017, Equi Fax announced that about 143 million US consumers had leaked data. The announcement states that some of the UK and Canadian consumers were affected, but the specific number has not been revealed. The company states that unauthorized access occurred from mi d-May to July 2017. Hacker accessed data from Equifax's core consumer credit database, but from the company's online conflict portal web application. The data includes the following:
full name
social security number
date of birth
address
Driver's license number
The vulnerability that caused the invasion was Apache Struts CVE-2017-5638. Apache Struts is a common framework for creating a Java web application managed by Apache Software Foundation. The Foundation issued a statement on vulnerability and released a patch on March 7, 2017.
The next day, the Ministry of Land Security contacted Equifax, Experian, and Transunion and notified the vulnerabilities. On March 9, 2017, an internal e-mail notification was sent to the Equifax administrator to apply the Apache patch. Equifax's information security sector conducted a scan on March 15, 2017 to identify vulnerable systems in the Apache Struts issue, but scanned vulnerabilities were not identified.
The vulnerability was discovered by Equifax's information security department, a "suspicious network traffic" associated with the online dispute portal, and was left unprecedented until July 29, 2017, when the Apache patch was applied. On July 30, 2017, Equifax observed more suspicious movements and set offline web applications. Three days later, the company hired a cyber security company Mandiant and conducted a forendic survey of information leaks. The survey revealed that 2. 5 million US consumers had leaked, and the total number of Americans affected was about 145. 5 million. Equifax said in the same presentation that 8, 000 Canadians had been affected and said that the Forendic survey was completed, but the number of British consumers affected. I did not say so. According to Equifax, which was later announced, 693, 665 British citizens were leaked.
Equifax's response to information leakage was concerned with security experts and consumer advocacy organizations. Security expert Brian Crebus called "random", "trash can", and "trash can" after information leakage. Equifax created another domain-equifaxsecurity2017. com to make sure that consumers have leaked their information. For this reason, this site was flagged by a browser as a phishing threat. Developer Nick Sweeting purchased a domain called SecurityEquifax2017. com to demonstrate that the phishing site has been confused by Equifax, making it easier for the fishing site to imitate Equifax and confuse people. Equifax's Twitter account accidentally tweeted the link on this disguise site. Consumers who contacted Equifax immediately after the information were leaked and made a credit that focused on the freezing date and time was given, making it easier to guess.
Equifax encouraged people to sign up for its credit monitoring service, TrustedID Premiere, in which consumers agreed to terms of use that included a mandatory arbitration clause. After public backlash that Equifax was forcing consumers to waive their right to sue, the company issued a press release explaining that the arbitration clause did not apply to claims arising from security breaches.
The Equifax data breach has attracted the attention of local, state and federal governments in the United States, as well as regulators in the United Kingdom and Canada.

Proposed Reforms

The cities of San Francisco and Chicago sued Equifax. San Francisco's complaint alleges violations of California's Unlawful, Unfair and Deceptive Business Practices Act for (1) failing to implement and maintain reasonable security measures, (2) failing to provide timely notice of the data breach, and (3) failing to provide clear and complete information. It also seeks damages of up to $2, 500 per violation from California consumers who purchased credit monitoring services from Equifax prior to the disclosure of the breach, as well as a court order requiring Equifax to implement and maintain adequate security measures. The Chicago complaint alleges violations of the Illinois Personal Information Privacy Act, the Illinois Consumer Fraud and Deceptive Trade Practices Act, and the Chicago Consumer Fraud Act for (1) disclosing personal information, (2) failing to provide timely notice of the breach, and (3) misleading consumers by representing the credit monitoring service as free, when in fact it contained a mandatory arbitration clause that prohibited users from suing Equifax in the future. Equifax encouraged people to sign up for its credit monitoring service, TrustedID Premiere, in which consumers agreed to terms of use that contained a mandatory arbitration clause. Following public backlash that Equifax was forcing consumers to waive their right to sue, the company issued a press release explaining that the arbitration clause does not apply to claims arising from security breaches.

Reform the industry by giving consumers control over their credit reports

The Equifax data breach has attracted the attention of local, state and federal government regulators in the United States, as well as regulators in the United Kingdom and Canada.

The cities of San Francisco and Chicago have sued Equifax. San Francisco's complaint alleges violations of California's Unlawful, Unfair and Deceptive Business Practices Act for (1) failing to implement and maintain reasonable security measures, (2) failing to provide timely notice of the data breach, and (3) failing to provide clear and complete information. It also seeks damages of up to $2, 500 per violation from California consumers who purchased credit monitoring services from Equifax before the breach was announced, as well as a court order requiring Equifax to implement and maintain reasonable security measures. The Chicago complaint alleges violations of the Illinois Personal Information Privacy Act, the Illinois Consumer Fraud and Deceptive Trade Practices Act, and the Chicago Consumer Fraud Ordinance for (1) exposing personal information, (2) failing to provide timely notice of the breach, and (3) misleading consumers by representing the credit monitoring service as free, when the service contained a mandatory arbitration clause that prohibited users from suing Equifax in the future. Equifax encouraged people to sign up for its credit monitoring service, TrustedID Premiere, in which consumers agreed to terms of use that contained a mandatory arbitration clause. Following public backlash that Equifax was forcing consumers to waive their right to sue, the company issued a press release explaining that the arbitration clause did not apply to claims resulting from the security breach.

The Equifax breach has attracted the attention of local, state, and federal governments in the United States, as well as regulators in the United Kingdom and Canada.

Improve Breach Notification

The cities of San Francisco and Chicago have filed lawsuits against Equifax. The San Francisco complaint alleges violations of California's Unlawful, Unfair and Deceptive Business Practices Act for (1) failing to implement and maintain reasonable security measures, (2) failing to provide timely notice of the data breach, and (3) failing to provide clear and complete information. It also seeks damages of up to $2, 500 per violation from California consumers who purchased credit monitoring services from Equifax prior to the disclosure of the data breach, and a court order requiring Equifax to implement and maintain adequate security measures. The Chicago complaint alleges violations of the Illinois Personal Information Privacy Act, the Illinois Consumer Fraud and Deceptive Business Practices Act, and the Chicago Consumer Fraud Ordinance for (1) disclosing personal information, (2) failing to provide timely notice of the data breach, and (3) misleading consumers by representing the credit monitoring service as free of charge, when the service contained a mandatory arbitration clause that prohibited consumers from suing Equifax in the future.

State attorneys general have been active in responding to data breaches. Massachusetts Attorney General Maura Healey filed an enforcement action against Equifax, alleging violations of Massachusetts consumer protection and data privacy laws. New York Attorney General Eric Schneiderman introduced the Stop Hacks and Improve Electronic Data Security Act (SHIELD Act), which (1) requires companies that hold sensitive data of New Yorkers to employ reasonable administrative, technical, and physical safeguards; (2) expands the types of data subject to reporting requirements to include username and password combinations, biometric data, and HIPAA-covered health data; and (3) provides safe harbor protections for companies that obtain an independent certification that their data security practices meet the highest standards. The attorneys of Connecticut, Illinois, Pennsylvania, and the District of Columbia sent a joint letter to Equifax notifying them of their intention to investigate the data breach. The letter was also signed by attorneys general from dozens of other states.

The federal government is also investigating. In a rare move by the FTC, its deputy public affairs director Peter Kaplan confirmed that the commission is looking into the Equifax data breach. The Consumer Financial Protection Bureau is also investigating the company, but recent reports suggest that the bureau may withdraw from its investigation. The Securities and Exchange Commission and the U. S. Attorney's Office in Atlanta (where Equifax is headquartered) are investigating Equifax for insider trading related to stock sales by executives before the breach was made public.

Congress has held multiple hearings to investigate the events surrounding the breach and consider reforms to the credit reporting industry. These hearings include:

Limit the Use of Social Security Numbers by Private Companies

House Committee on Financial Services, "Examining the Current Data Security and Data Breach Notification Regime" (February 14, 2018)

Promote innovative technology to minimize the collection of personal data

Senate Committee on Banking, Housing, and Urban Affairs, "Examining the Equifax Cybersecurity Breach" (October 4, 2017)

Enact baseline privacy legislation and establish a Data Protection Agency

Senate Judiciary Subcommittee on Privacy, Technology, and Law, "Continuous Monitoring of Equifax Data Broker Cybersecurity" (October 4, 2017)

House Committee on Financial Services, "Examining the Equifax Data Breach" (October 5, 2017)

Resources

Senate Committee on Banking, Housing, and Urban Affairs: "Consumer Data Security and Credit Reporting Agencies" (October 17, 2017). EPIC President Marc Lautenberg testified.
House Energy and Commerce Subcommittee on Digital Commerce and Consumer Protection: "Securing Consumer Credit Data in the Age of Digital Commerce" (November 1, 2017)
Senate Subcommittee on Commerce, Science, Transportation and Communications: "Protecting Consumers in the Age of Massive Data Breaches" (November 8, 2017)
House Financial Services Committee: "Examining the Current Data Security and Breach Notification Regime" (February 14, 2018). EPIC President Marc Lautenberg testified.
Representatives and Senators have introduced bills regarding CRA security and privacy. These bills include:
Regulators in the UK and Canada are also investigating the Equifax data breach. The UK Financial Conduct Authority has the power to fine the company and revoke its license to report credit in the UK. The UK's privacy regulator, the Information Commissioner's Office, and Canada's Office of the Privacy Commissioner of Canada are also investigating Equifax.

FOIA

March 7, 2017 - The Apache Software Foundation reports vulnerability Apache Struts CVE-2017-5638 and releases a patch.
March 8, 2017 - The Department of Homeland Security (US CERT) contacts Equifax, Experian, and TransUnion to inform them of Apache Struts CVE-2017-5638.

News

March 9, 2017 - An internal email notice is sent to Equifax administrators instructing them to patch the Apache vulnerability.
March 15, 2017 - Equifax's information security department runs scans intended to identify systems vulnerable to the Apache Struts issue, but the scans do not identify any vulnerabilities.
May 13, 2017 - Hackers begin accessing personally identifiable information.
July 29, 2017 - Equifax discovers "suspicious network traffic" related to a consumer dispute website. Information security department applies Apache patches.
July 30, 2017 - Equifax's information security department observes further suspicious activity and takes the web application offline.

July 31, 2017 - Equifax's chief information officer notifies CEO Richard Smith of the suspicious activity.

Data Breaches 101: How They Happen, What Gets Stolen, and Where It All Goes

August 1-2, 2017 - Three senior Equifax executives sell stock worth approximately $1. 8 million.

August 2, 2017 – Equifax hires cybersecurity firm Mandiant to conduct a forensic investigation into the data breach.

What is a data breach?

September 7, 2017-Equifax generally announced security infringement on Twitter.

September 11, 2017-20 U. S. Senate Senate sent a letter to Equifax to clarify the company's position to use restrictions on the rules of the forced arbitration provisions by the Consumer Finance Protection Bureau. Equifax used to abolish the rules before.
September 13, 2017-Senator Mark Warner (selected by Virginia) requested FTC's Morale-All Housen Chairman to start a survey on information leakage.
September 14, 2017-Representative Lamber Smith and Representative Tray Gaudi sent a letter to Equifax CEO, and conducted a survey on information leakage by the lower house monitoring, government reform committee and the lower house science, universe and technical committee. And notify that they are demanding related business records.
September 15, 2017-Two Equifax executives resign.

What are the biggest breaches to date?

September 15, 2017-Equifax announced a press release to confirm that the vulnerability is Apache Struts CVE-2017-5638.

September 18, 2017-New York Governor Andrew Qumo announced a proposal to apply bank regulations to credit research institutions.	September 26, 2017-EQUIFAX's Richard Smith's highest executive (CEO) retired, and the Board of Directors appointed Paulino de Legos Baros Jr. as a provisional CEO.	September 27, 2017-Paulino de Legos Baros Jr.'s provisional CEO announced an official apology on behalf of Equifax and announced a new free service that allows you to lock and unlock your credit.
October 3, 2017-IRS ordered a million dollar fraud prevention contract with Equifax.	October 12, 2017-IRS paused the contract with Equifax.	October 12, 2017-Security researchers found that the EQUIFAX website contains fake Adobe Flash download links and downloads malware that deceives users and displays unnecessary advertisements online 。
January 31, 2018-Equifax launched a free "Lock & Amp; Alert" product so that consumers can control their credit information better.	February 2018-Senator Elizabeth Warren (selected by Massachusetts) published a report on the details of the survey of information leaks by the parliamentary office.	March 1, 2018-EQUIFAX also has 2. 4 million US consumers stolen some of the name and driver's license, and has been affected by information leakage in total. Announced when it goes up.
March 14, 2018-The Senate has decided on economic growth, deregulation and consumer protection law (S. 2155) 67 to 31. The bill gives consumers free of charge freezing, but also hinders that each state from passing more powerful laws.	March 28, 2018-Equeifax nominates Mark Bego as CEO.	Following the information leakage of Equi Fax, it is necessary to take an immediate action to not only reform the credit investigation industry, but also to deal with a wide range of issues of confidential profiling and incorrect handling of consumers. Now is the time to change the default so that consumers can manage both credit information and personal information. Consumers must be free and easy to access their credit information, and have to control when and how the information will be disclosed. Companies that collect consumer personal information must establish effective safe guards, including prompt disclosure requirements for data leakage. Congress should abolish the use of social security numbers as a genera l-purpose identifier. Congress should promote the use of innovative technology to minimize personal data collection.
First, the CRA should provide free of charge for credit information, "frozen", and change the default of the information disclosure to op t-in. Credit research institutions should change their defaults on access to credit information by third parties. In fact, it is not the current setting that anyone can browse the credit information of others, but all the credit investigations can easily access free and access for consumers who want to disclose credit information for specific purposes. Credit freezing for disclosure should be set.	Second, CRA should provide free monitoring and easy access of credit history. Under current laws, consumers can access credit information for free, but the procedures are complicated and few consumers use it. In rational markets, consumers can get as much information as possible about the use of personal information by others. Instead, Equei Fax and other credit investigators are profitable from the problems they have caused.	Third, the parliament should be obliged to disclose the secret score and algorithm used by the CRA. The transparency of the algorithm is the key to explanation. Without such a secret score, list, and the rules that require the disclosure of their basic data or algorithm, consumers will not be able to solve these problems, but they will not know.
First, Congress should set a national data leakage notification standard to reduce damage due to data leakage. Federal standards should be promptly and efficient to notify the affected consumers, regulatory authorities, and the general public. Companies are increasingly interacting with consumers through social media, automated texts and email messages, so it is reasonable to expect companies to notify consumers within 48 to 72 hours after information leakage. It is.	Second, parliament should oblige rational data security measures. A quick information leak notice is necessary so that consumers and regulatory authorities can respond quickly after information leakage occurs.	Third, consumers affected by data infringement should have private rights. Companies often require consumers to agree to consumers from arbitration provisions that prevent consumers from filing a lawsuit. Credit investigations and other financial institutions should prohibit the use of such arbitration agreement to prevent consumer complaints on infringement of personal data, inappropriate disclosure, and misuse. And the infringement of personal data should be sufficient damage to provide the cause.
Fourth, existing data security requirements for consumer financial institutions based on the Gram Reach Blyley Law should also be applied to credit investigators and other companies that sell consumer profiles. The law has already defined the privacy practice of financial institutions by seven regulators, but has not taken up a credit investigation institution in the current system. Specifically, the Dodd Frank has transferred a specific privacy clause to CFBP, but has not transferred the regulation authority to enact data security guidelines. At present, CFPB can only take forced measures based on the aggressive display of companies related to data security practices. Considering that the highly confidential personal data owned by the credit investigation institution is more than a combination of many other financial institutions, it is not meaningful that these companies are not eligible for regulations.	Congress should prohibit the use of social security numbers in the private sector without a clear legal approval. Social security number is not intended to be used as a versatile identifier. < SPAN> First, parliament should set a national data leakage notification standard to reduce damage due to data leakage. Federal standards should be promptly and efficient to notify the affected consumers, regulatory authorities, and the general public. Companies are increasingly interacting with consumers through social media, automated texts and email messages, so it is reasonable to expect companies to notify consumers within 48 to 72 hours after information leakage. It is.	Second, parliament should oblige rational data security measures. A quick information leak notice is necessary so that consumers and regulatory authorities can respond quickly after information leakage occurs.
Third, consumers affected by data infringement should have private rights. Companies often require consumers to agree to consumers from arbitration provisions that prevent consumers from filing a lawsuit. Credit investigations and other financial institutions should prohibit the use of such arbitration agreement to prevent consumer complaints on infringement of personal data, inappropriate disclosure, and misuse. And the infringement of personal data should be sufficient damage to provide the cause.	Fourth, existing data security requirements for consumer financial institutions based on the Gram Reach Blyley Law should also be applied to credit investigators and other companies that sell consumer profiles. The law has already defined the privacy practice of financial institutions by seven regulators, but has not taken up a credit investigation institution in the current system. Specifically, the Dodd Frank has transferred a specific privacy clause to CFBP, but has not transferred the regulation authority to enact data security guidelines. At present, CFPB can only take forced measures based on the aggressive display of companies related to data security practices. Considering that the highly confidential personal data owned by the credit investigation institution is more than a combination of many other financial institutions, it is not meaningful that these companies are not eligible for regulations.	Congress should prohibit the use of social security numbers in the private sector without a clear legal approval. Social security number is not intended to be used as a versatile identifier. First, Congress should set a national data leakage notification standard to reduce damage due to data leakage. Federal standards should be promptly and efficient to notify the affected consumers, regulatory authorities, and the general public. Companies are increasingly interacting with consumers through social media, automated texts and email messages, so it is reasonable to expect companies to notify consumers within 48 to 72 hours after information leakage. It is.
Second, parliament should oblige rational data security measures. A quick information leak notice is necessary so that consumers and regulatory authorities can respond quickly after information leakage occurs.	Third, consumers affected by data infringement should have private rights. Companies often require consumers to agree to consumers from arbitration provisions that prevent consumers from filing a lawsuit. Credit investigations and other financial institutions should prohibit the use of such arbitration agreement to prevent consumer complaints on infringement of personal data, inappropriate disclosure, and misuse. And the infringement of personal data should be sufficient damage to provide the cause.	Fourth, existing data security requirements for consumer financial institutions based on the Gram Reach Blyley Law should also be applied to credit investigators and other companies that sell consumer profiles. The law has already defined the privacy practice of financial institutions by seven regulators, but has not taken up a credit investigation institution in the current system. Specifically, the Dodd Frank has transferred a specific privacy clause to CFBP, but has not transferred the regulation authority to enact data security guidelines. At present, CFPB can only take forced measures based on the aggressive display of companies related to data security practices. Considering that the highly confidential personal data held by the credit investigation institution is more than a combination of many other financial institutions, it is not meaningful that these companies are not subject to regulation.
Congress should prohibit the use of social security numbers in the private sector without a clear legal approval. Social security number is not intended to be used as a versatile identifier.	In the field of data science, efforts to improve privacy protection have already been taken, and companies that are responsible for protecting consumer data can adopt and further develop these initiatives. For example, the "deferency privacy" algorithm and tw o-factor authentication are greatly advanced. These are technologies that Equifax and other credit investigations should invest in the future to reduce damage to consumers.	With the rapid introduction of new technology, the United States has been delayed by many other countries that are trying to keep data leakage, theft of personal information, and vulnerabilities in cyber attacks. A good starting point is to establish a consumer privacy rights. This is a basic privacy method that imposes a responsibility to protect the information that selects to collect and use personal data. Consumer Privacy Rights Inspection follows the structure of many privacy methods in the United States and other countries. In other words, it is possible to harmonize and simplify compliance, and CPBR resolves trade disputes during dispute between Europe and other countries in protecting the flow of data across borders. It may be useful.
The United States should also establish the Data Protection Agency, as well as other developed countries facing the digital issue. The current institution in the United States, which is a mission to protect consumers and citizens, lacks the authority and personnel to do what they need.	Mark Rothemberg testimony in the House of Representatives Financial Service Committee's hearing of "Current data security and infringement notification regulation regulation system" (February 14, 2018)	Senator Elizabeth Warren "Bad Credit: Uncovering Equifax's Failure to Protect Americans' Personal Information" (February 2018)

What types of data are usually stolen?

Mark Rothemberg, Senate Bank Committee, Consumer Data Security and Credit Information Organization testimony (October 17, 2017)

Consumer Finance Protection Bureau, Personal Information Countermeasures due to Equifax data leakage (September 9, 2017)

Federal Transactions Committee, Equifax data leakage: What to do (September 8, 2017)
USA. GOV, ID theft: Equifax data leakage
Information Disclosure Request for CFPB Mick Mulvaney about the end of the Equifax survey (February 9, 2018)
Production (March 22, 2018)
Equifax's hacking is not only in China. Los Angeles Times, February 10, 2020
Consumers and defenders repelled Equifax's cash payments, Longview News-Journal, August 4, 2019

You will get Equifax money. It may just take time, WIRED, August 1, 2019

Did someone forgot the calculation? "Consumers and defenders repelled to reduce the cash payment amount of Equifax, Washington Post, August 1, 2019
One year since the leak of information on Equifax. Your data is safe, consumer report, September 7, 2018
Other news

People seem to be insensitive to the news that cited the data leakage, but the protection of user data is becoming more and more important as regulations have been enhanced. Companies not only announced that their systems have been infringed, but also to 4 % of the annual sales of the European Union (EU) citizens in accordance with the requirements of the General Data Protection Rules (GDPR). You need to pay a fine.

Earlier this year, large companies, such as Macy's, Bloomingdale's, and Ledit, have joined the list of victims of information leaks. The leaked data is a theme that requires enough attention of the general public. Data leaks can lose millions, billions of personal records and confidential data, affecting not only the leaked organization, but also everyone who may have stolen personal information.
Data leaks are caused by cyber criminals successfully invading data sources and extracting confidential information. This is a physical way to access local files by accessing computers and networks, and a method of detouring network security remotely. The latter is often used when targeting companies. The following is a typical information leak:

Survey: Cyber criminals look for the weaknesses of corporate security (people, systems, and networks).

Attack: Cyber criminals make the first contact using network or social attacks.
Network / Social attack: Network attacks are caused by cyber criminals entering the organization's network using the weaknesses of infrastructure, system, and application. Social attacks are accessible to employees, tricks and lure employees, and access company networks. The employees are fooled and given login information, or they are fooled to open malicious attachments.

Exfiltration: Once cybercriminals have gained access to a computer, they can attack the network and tunnel into a company's confidential data. If the hackers exfiltrate the data, the attack is considered successful. The table below shows the top 10 breach incidents reported to date:

Company/Organization
Number of Records Stolen

Date of Breach

Yahoo
3 billion records
August 2013
Equifax
145. 5 million records
July 2017
EBay
$145 million
May 2014
Heartland Payment Systems

$134 million

March 2008
Target
$110 million
December 2013

TJX Companies

$94 million

December 2006

JP Morgan & Chase

83 million (76 million households, 7 million small businesses)
July 2014
Uber
57 million
November 2017

Elim Poon - Journalist, Creative Writer

Last modified: 27.08.2024

The hole Equifax left in its computer system exposed Social Security, credit card and driver's license numbers. Hackers also got addresses and birth dates. The Equifax data breach has already led to the filing of more than 30 lawsuits seeking class-action status. One suit, filed in Portland, Oregon. But for now, the data at risk includes Social Security numbers, birth dates, addresses on million Americans. Equifax also said the breach.

Play

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EPIC Equifax Data Breach

DottyвЂs Reveals Detals about Data Breach ncdent

Top News

Background

Equifax and the Credit Reporting Agencies

The Rise of Consumer Data Breach and Identity Theft

The 2017 Equifax Breach

Equifax Response and Criticisms

Congressional Hearings, Agency Investigations, and Proposed Legislation

Local Governments

State Governments

Federal Government

Foreign Governments

Timeline

Proposed Reforms

Reform the industry by giving consumers control over their credit reports

Improve Breach Notification

Limit the Use of Social Security Numbers by Private Companies

Promote innovative technology to minimize the collection of personal data

Enact baseline privacy legislation and establish a Data Protection Agency

Resources

FOIA

News

Data Breaches 101: How They Happen, What Gets Stolen, and Where It All Goes

What is a data breach?

What are the biggest breaches to date?

What types of data are usually stolen?

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