The Equifax data breach is a major problem for consumers, and it is compounded by the complexity of credit reporting and identify theft issues, as well as how Equifax has mishandled the process of alerting the public. The attached document focuses on what consumers need to know to protect themselves.
Here are some helpful tips from the FTC on other steps to take to help protect yourself after a data breach:
Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.
Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.
Monitor your existing credit card and bank accounts closely for charges you don’t recognize.
If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.
File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.
In this section, you will find information on the many ways my office can help you and your family. Below is a list of the issues we commonly address. If you cannot find what you're looking for, please either email me or call my Palo Alto District Office and we will do our best to answer any questions you may have.