My Equifax account was hacked, and Equifax doesn't care

https://news.ycombinator.com/item?id=9636369
by pakile • 11 years ago
26 13 11 years ago

Below is the text of my email to Equifax today.  Note: Separately from below, but for additional context, one of my Chase credit cards kicked off a fraud alert 1 day before the original Equifax email notice.  Apparently, someone was running around Brazil with a physical credit card with my name and number on it.  Chase said that sometimes scammers generate #s on physical cards, try to charge low-value amounts, and when they succeed, ratchet up the amount.

I'm sharing this because this past week has underscored how fragile our credit system is.  Now I'm navigating through credit alerts, reports, and monitoring services, and the process is byzantine and painful.  It feels like an arms race and one group is clearly losing: the customer. The industry needs to come up with a better way to manage this and threats to the system and its users - without making its customers bear the burden, as is happening today.

# part 1/3 #

* My account - and possibly Equifax - was hacked.  The account has been marked for investigation.  However, Equifax possesses information that would help me investigate this breach.  I would like to request that the investigation be expedited and that that information be released to me as soon as possible so I can investigate this. *

On May 28, I received an email notification from Member.Benefits@equifax.com that someone had changed the email address on my account.  A notice had been sent to the old and new email addresses.  The old account was <email address>.  It did not indicate what the new email address is.

The same day, I marked the email urgent in the subject line and wrote back that I did not request a change to my email address, and inquired whether this was a security intrusion.  Since I had not used Equifax or AnnualCreditReport.com recently, I was confident this was an unauthorized third party.

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