EQUIFAX Data Breach Information

On September 7, 2017 Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Based on the company's investigation, the unauthorized access occurred from mid-May through July 2017. The information accessed primarily 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.  Unified People's FCU does not report our member data to Equifax, only to Experian so your accounts here should be safe. However, if you have accounts with creditors other than Unified People's FCU your data could be compromised.

Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection. The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers - all complimentary to U.S. consumers for one year.

Information below is excerpted from an article explaining additional details of Equifax's TrustedID Premier service:

The terms of use for the credit-monitoring service, which is called TrustedID Premier, also appears to require consumers sign away their right to sue Equifax. By waiving away their legal rights, consumers instead agree to mandatory arbitration, a tactic that has come under fire by consumer rights advocates because they bar consumers from banning together to sue in a class action.

Equifax appeared to have updated its terms of service on Friday that allows consumers to opt-out of the mandatory arbitration agreement for TrustedID Premier, The Washington Post reported. Consumers who want to opt-out must write to Equifax within 30 days with their name, address, Equifax user ID and "a clear statement that you do not wish to resolve disputes with Equifax through arbitration."

The website also provides additional information on steps consumers can take to protect their personal information. Equifax recommends that consumers with additional questions visit www.equifaxsecurity2017.com or contact a dedicated call center at 866-447-7559, which the company set up to assist consumers. The call center is open every day (including weekends) from 7:00 a.m. - 1:00 a.m. Eastern Time.

In addition to the website, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted.

The following are our immediate recommendations for UPFCU members:

Contact one of the following credit reporting bureaus to place a free, 90-day Fraud Alert on your credit report. It is not necessary to contact each bureau individually; alerts will be placed with each company once you've made contact with one. When your initial alert expires you are able to renew.

TransUnion
1-800-680-7289
https://www.transunion.com/fraud-victim-resource/place-fraud-alert

Experian
1-888-397-3742
https://www.experian.com/fraud/center.html

Equifax
1-888-766-0008
https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

Monitor your credit report and accounts vigilantly. By law, each credit bureau must provide you with one free report per year, which can be accessed by visiting www.annualcreditreport.com

Visit www.ftc.gov/idtheft for additional, general consumer information regarding identity theft.


KMART Data Compromise:

Kmart announced this week that a data breach occurred between September 3rd, 2016 and April 30th, 2017. This situation is still under investigation, so please monitor your accounts regularly and carefully, and report any activity you find suspicious to us immediately.
http://www.kmart.com/en_us/dap/statement05312017.html


"Can You Hear Me?" Scam Becoming More Prevalent Nationwide:

Since late last week, BBB Scam Tracker has seen an increase in reports of a scam which popped up in some areas last year. The scam had been isolated, but scammers now appear to be spreading this particular tactic across the country.

In this scam, you receive an unsolicited phone call where the first thing the caller asks is "Can you hear me?" Do not respond "yes", "sure", "ok", or any similar affirmative answer. The scammer is trying to get you on tape saying yes in order to use that recording to authorize a charge or convince you that you agreed to pay for something.

If you receive a call like this, do not respond and hang up immediately. Report these calls on BBB Scam Tracker so that BBB and our law enforcement partners can track which areas the scammers are targeting and find patterns that can help stop or reduce the impact of the scam.


YAHOO USERS: Be sure to change your passwords right away due to a major compromise at Yahoo. Click HERE for more information!


DATA BREACH affecting customers of select hotels: Click HERE for more information. Please review your statements and continue to monitor.


Report of Passwords Compromise

There has been a reported discovery that a Russian crime ring has collected 1.2 billion user–name and password combinations. The massive hacking involves confidential material from 420,000 websites, according to the security firm Hold Security. What should you do? At the very least, you should change your passwords for sites involving sensitive information, including financial, credit card and health information.

Here are several helpful ways to increase your online security in the face of these and other threats…


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FRAUD ADVISORY FROM CHEYENNE LIGHT, FUEL & POWER
Cheyenne Light, Fuel & Power received a report today of yet another scam involving unknown parties impersonating Cheyenne Light personnel and demanding money.

According to the report, the fraudulent caller tells CLFP customers their electricity will be disconnected if they don’t pay a specified amount by purchasing a pre-paid visa card. The fraud then tells the customer they would pick up the cash card at the customer’s home.

The Cheyenne Police Department is aware of this scam. If you suspect fraud, immediately contact local law enforcement. If you have concerns or questions about Cheyenne Light employees, call Cheyenne Light at 866-264-8003

It’s important to know that scammers can cause caller ID displays to mimic legitimate companies, making it appear as if the call is legitimate.

These scams often start with different stories and can involve any utility provider or other type of business. Regardless, the way to avoid falling victim is usually the same:


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RISK ALERT – FBI Indicates that Spear-Fishing Attacks are on the Increase
The complete story is posted at: http://www.ic3.gov/media/2013/130625.aspx


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Vendini Inc. an event ticketing company nationwide was hacked in late March, they relay that the criminals may have accessed “… personal information, such as name, mailing address, email address, phone number, and credit card numbers and expiration dates that belong to our consumer-patrons.” Vendini provides box-office and online ticketing services to hundreds of Vendini members, which include tour, casino, sports, arts, and entertainment venues and promoters across the U.S. and Canada.

If you have used your card with this vendor please keep an eye on your account or come into the credit union for a new card. Vendini will not contact you for information so as usual do not give out any information about your account or card numbers. Internet banking is the best way to monitor your account.


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New Fraud Alert!

If you receive an email regarding your Visa debit card being blocked or a message from Wal-Mart and they direct you to go to the provided web page…
DO NOT GO!
DO NOT GIVE YOUR INFORMATION. THIS IS A SCAM!

Even though the web pages look very real they are not!
We at Unified People's are the only ones that can block your debit card. This is a highly technical scam group that is stealing your financial information.
Please call Unified People's if you have any questions.