If you want to keep it active on your credit reports, you'll need to renew it after that time. Questions About Identity Theft, Fraud Alerts & Credit Freezes What happens if I place a fraud alert on my credit file?įraud alerts can be placed on your credit reports for free, and there are two different types:Īn initial (one-year) fraud alert can be placed if you believe you are, or may become, a victim of fraud or identity theft. You may log in to your Experian IdentityWorks account here.įor common questions and answers about Experian’s services, alert notifications, your account, protecting yourself, and credit reports and scores, visit Experian's common questions webpage.

They are available Monday-Friday, 6:00 a.m. If you have questions about your Experian account, you may reach Experian at (877) 890-9332. The CalPERS credit monitoring and identity theft protection enrollment period ended September 30, 2023. Image credit: Don Hankins.PBI Data Breach - Frequently Asked Questions As of the time of writing, none of the organizations mentioned are Intellyx customers. Intellyx advises companies on their digital transformation initiatives and helps vendors communicate their agility stories. In the meantime, the most powerful lobbyist in Washington is a united, well-educated populace. Whether Experian can simply ‘lobby their way out of messes’ as Fight for the Future fears, or even whether customer pressure will motivate it to offer victims of its weak security a better response than its own credit monitoring service, remains to be seen. “The authorization to share cyber threat indicators and defensive measures with ‘any other entity or the Federal Government,’ ‘notwithstanding any other provision of law’ could sweep away important privacy protections,” according to an official communication from the DHS to Senator Franken, “particularly the provisions in the Stored Communications Act limiting the disclosure of the content of electronic communications to the government by certain providers.” The Department of Homeland Security (DHS) has also found fault with CISA. “Why should Experian bother fixing their security when they can just lobby their way out of the messes they make? This type of thinking is putting millions of people at risk.”įight for the Future is finding friends on Capitol Hill in their fight against CISA, including Senator Al Franken (D-MN). “Experian CEO Brian Cassin has put the profits of his company above the well-being of his customers and our nation’s cybersecurity,” according to Fight for the Future CTO Jeff Lyon. In fact, Fight for the Future, a pro-privacy online advocacy movement, launched a page on the web site to call Experian to task.įight for the Future is no stranger to such advocacy, as it was instrumental in shifting the fight on net neutrality, according to the Boston Globe. If passed, CISA would allow for the sharing of private customer data between companies like Experian and the US Government, a clause that has privacy advocates up in arms.įurthermore, CISA may also indemnify companies like Experian against damages from such breaches, a provision that would explain Experian’s lobbying dollars spent to influence legislators to pass the act.

Or perhaps it feels its money is better spent elsewhere, for example, lobbying Congress in support of the pending CISA. Why, then, does Experian feel that it is appropriate to place a bald-faced untruth about this pattern of incidents in its explanation of the most recent breach? Perhaps it treats such breaches simply as the cost of doing business – especially since offering its own credit monitoring service as a response costs it very little. For example, this letter from Experian’s vice president of Regulatory Compliance to the New Hampshire Attorney General dated November 8, 2013, admits to yet another breach – and yet another offer of questionable credit monitoring services to hapless New Hampshire residents. In fact, because Experian must report all breaches to regulatory authorities, the trail of its inadequate attention to security is easy to uncover. The incident in the 2012 article wasn’t isolated, however. With regard to the past event you refer to from 2012, as we stated at the time, this related to a client’s own compromised credentials.” “We absolutely stand by our statement that consumers can fully trust the credit monitoring we offer, helping millions of people with our proven identity protection and credit monitoring products. “The point our statement makes regarding the T-Mobile USA incident is to simply let people know that it had nothing to do with our credit bureau, and was isolated to a separate server containing the client’s data,” according to Experian spokesperson Gerry Tschopp.

Experian hack