The “Last Week Tonight” host dragged the credit check company for doing “literally everything wrong”
The “Last Week Tonight” host dragged the credit check company for doing “literally everything wrong”
So I called Equifax this am after logging into the Trust-ID site and seeing that after two weeks, the account was still stuck in Enrollment Processing. Awful. I was connected to poorly trained agents in the Philippines. They could not understand the issue. When I asked to speak to a supervisor I was simply put on hold. I called back and the same issue. Next I tried to speak to an agent in the US. I was told to redial the number. Oh great, routed back to Philippines. When I finally tried for a fourth time and demanded to speak to someone in the US, I was on hold for 10 minutes (after being promised 2 minutes) and I finally gave up.
Clearly by outsourcing this they are still more concerned about making money than helping customers protect their private information
Equifax needs to be completely wound down. It is dysfunctional from the top down.
Microsoft is silently patching security bugs in Windows 10, and not immediately rolling out the same updates to Windows 7 and 8, potentially leaving hundreds of millions of computers at risk of attack.
Flaws and other programming blunders that are exploitable by hackers and malware are being quietly cleaned up and fixed in the big Windows 10 releases – such as the Anniversary Update and the Creator’s Update. But this vital repair work is only slowly, if at all, filtering back down to Windows 7 and Windows 8 in the form of monthly software updates.
Windows 8.1 is supposed to receive monthly security fixes until January 10, 2023, and for Windows 7, January 14, 2020
Read: We want you all on Windows 10 Spyware Platform so can farm all your information and target you with adverts.
Antivirus firm Avast has admitted inadvertently distributing a trojanised version of CCleaner, a popular PC tune-up tool, for nearly a month, infecting an estimated 2.27 million users….Cisco Talos discovered that servers distributing the program were leveraged to deliver malware to unsuspecting victims.
“For a period of time, the legitimate signed version of CCleaner 5.33 being distributed by Avast also contained a multi-stage malware payload that rode on top of the installation of CCleaner,” researchers explained. “On September 13, 2017, Cisco Talos immediately notified Avast of our findings so that they could initiate appropriate response activities.”
CCleaner has been downloaded over 2 billion times, with 5 million additional downloads a week.
We estimate that 2.27 million users had the v5.33.6162 software, and 5,010 users had the v1.07.3191 of CCleaner Cloud installed on 32-bit Windows machines. We believe that these users are safe now as our investigation indicates we were able to disarm the threat before it was able to do any harm.
There is no indication or evidence that any additional malware has been delivered through the backdoor. In the case of CCleaner Cloud, the software was automatically updated. For users of the desktop version of CCleaner, we encourage them to download and install the latest version of the software.
So this afternoon I was told by email I had an account with Equifax TrustedID when I went to check on the status of the report lock. My password did not work. I tried to use the password reset. The page worked but when you enter all the information and hit the continue button, it does not go anywhere. I called the support telephone and that rings busy. Gave up on that.
Clearly more buggy code.
I finally got it to work using an old Windows Explorer 8 Browser on an old XP machine instead of Firefox. I even tried ieExplorer 11 and that did not work. But old insecure ie8 works fine with no out of date browser warnings.
Next – Then using the same Firefox Browser, I was able to login. And guess what, despite signing up, my report was still unlocked! When I tried to lock it, no dice, lock button not working. No go on ie11, but old insecure ie8 worked just fine.
What royal cock up Equifax. Totally incompetent!
(off topic: I also notice that uBlock Origin identified 147 trackers on Equifax.com. And they look out for my privacy and security. Bullshit!)
The simple answer is they will not do anything to hurt their own business. They sell your information and rake in too money doing so. A credit freeze prevents that. I finally found a good article to share on this by Brice Schneider.
This happened because your personal information is valuable, and Equifax is in the business of selling it. The company is much more than a credit reporting agency. It’s a data broker. It collects information about all of us, analyzes it all, and then sells those insights.
Its customers are people and organizations who want to buy information: banks looking to lend you money, landlords deciding whether to rent you an apartment, employers deciding whether to hire you, companies trying to figure out whether you’d be a profitable customer — everyone who wants to sell you something, even governments.
It’s not just Equifax. It might be one of the biggest, but there are 2,500 to 4,000 other data brokers that are collecting, storing, and selling information about you — almost all of them companies you’ve never heard of and have no business relationship with.
Surveillance capitalism fuels the Internet, and sometimes it seems that everyone is spying on you. You’re secretly tracked on pretty much every commercial website you visit. Facebook is the largest surveillance organization mankind has created; collecting data on you is its business model. I don’t have a Facebook account, but Facebook still keeps a surprisingly complete dossier on me and my associations — just in case I ever decide to join.
The companies that collect and sell our data don’t need to keep it secure in order to maintain their market share. They don’t have to answer to us, their products. They know it’s more profitable to save money on security and weather the occasional bout of bad press after a data loss. Yes, we are the ones who suffer when criminals get our data, or when our private information is exposed to the public, but ultimately why should Equifax care?
This market failure isn’t unique to data security. There is little improvement in safety and security in any industry until government steps in. Think of food, pharmaceuticals, cars, airplanes, restaurants, workplace conditions, and flame-retardant pajamas.
Market failures like this can only be solved through government intervention. By regulating the security practices of companies that store our data, and fining companies that fail to comply, governments can raise the cost of insecurity high enough that security becomes a cheaper alternative. They can do the same thing by giving individuals affected by these breaches the ability to sue successfully, citing the exposure of personal data itself as a harm.
If you don’t like how careless Equifax was with your data, don’t waste your breath complaining to Equifax. Complain to your government.
Oh well, we all new FireEye was more bluster than solid security
“Brandan Schondorfer of Mandiant registered the domain Equihax.com on Tuesday (5 September), two days before the breach was publicly disclosed”
FireEye removed an Equifax case study* from its website in response to a recently disclosed mega-breach at the credit reference agency.
Equifax’s endorsement that FireEye’s tech protected it against zero-day and targeted attacks had more than the whiff of hubris about it once it emerged hackers had successfully pwned the credit reference agency’s systems and accessed all manner of sensitive information.
Equifax has reportedly hired incident response experts at FireEye Mandiant to investigate the breach. These experts have also been helping with PR aspects of damage limitation, it seems. Brandan Schondorfer of Mandiant registered the domain Equihax.com on Tuesday (5 September), two days before the breach was publicly disclosed, thereby preventing anyone else intent on poking fun at Equifax – or perhaps worse, run phishing attacks – from getting their hands on the domain.
Other aspects of Equifax’s overall incident response (analysed in depth in a post by security blogger Guise Bule here) have been less assured. For example, security experts at Sophos have criticised Equifax’s use of PINs – based on the date and time of when a request was made – to freeze consumer credit files. Crooks have a far better chance of determining these PINs and unfreezing credit files than if they were randomly generated. Worse yet, compromised server logs might be used to determine PINs
This morning I went to the Equifax site and check both my and my wife’s SSN for potential impact. For both I was told we were impacted. For my wife when I clicked enroll, I got
“Your enrollment date for TrustedID Premier is: 09/14/2017
Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.”
What? Today is 11 Sept and you will not freeze till the 14th? — Outrageous incompetence Equifax! The FAQ page is just a link back to the original check impact page
For myself, after being told I was impacted, I was instead sent to a form which I filled out. I was then told I would receive an email with further instructions. That email was never received (and not in spam either!) — More Incompetence.
Regulators need to force this company to offer life credit freeze for all those affected for free. Lawyers then need to sue this company into oblivion.
Update 12:44 EDT 11 Sep 2017
So I received the link and went through the steps and it ended with
An error has occurred
We are experiencing heavy traffic right now. Please check back later to resume the enrollment process. Thank you for your patience.
Next I pulled my annual credit report. Transunion OK, but Equifax
System Temporarily Down
The system is currently down for maintenance. We expect to be back up shortly. Thank you for your patience.
Return to Equifax.com
Equifax has consistently failed in their duty to protect data. The company should be forced to offer a permanent lifetime credit freeze for FREE. Or absent of that, wind them them down. They are completely incompetent and should not be allowed to be in this business in my opinion.
The company’s first order of business ought to have been to create a simple way for people to figure out if their data was potentially compromised. On this count, Equifax failed at first.
On Thursday night, I entered my last name and the last six digits of my Social Security number on the appropriate Equifax web page. (They had the gall to ask for this? Really? But I digress.) I received no “message indicating whether your personal information may have been impacted by this incident,” as the site promised. Instead, I was bounced to an offer for free credit monitoring, without a “yes,” “no” or “maybe” on the central question at hand.
By Friday morning, this had changed, and I got a “your personal information may have been impacted by this incident” notification. Progress. Except as my friend Justin Soffer pointed out on Twitter, you can enter a random name and number into the site and it will tell you the same thing. Indeed, I typed “Trump” and arbitrary numbers and got the same message.
Now, to the remedy. The company is offering one free year of credit monitoring to all Americans, not just the ones whose data was stolen. It includes the ability to turn your Equifax credit report on and off, to keep thieves from applying for credit in your name using information they stole from Equifax and to have access to your Equifax report to do so.
That’s all well and good, except that the thieves might use the stolen information to apply for credit with lenders that check the credit reports only at the other big agencies, Experian and TransUnion. So this protection is incomplete.
And why just a year? Who knows? Isn’t this an invitation to the thieves to sit on the data for a while and then use it when all of us have moved on?
Meanwhile, people can’t easily change their Social Security numbers to thwart the thieves. So if any bad actors have your personal data, those numbers will be useful for years, maybe decades, depending on how the credit system changes over time.
Equifax should have made the monitoring last forever. Since it didn’t, it will now be able to solicit everyone who signs up for its year of free service. And what do you want to bet that the company will offer an extension bright and early on day 366 for, say, $16.95 per month?
So, yes, your worst suspicions are now confirmed. Equifax may actually make money on this breach. We would expect nothing less from the credit reporting industry, with which few of us would choose to do business but nearly everyone has to sooner or later.
In the meantime, here’s hoping that this breach is the nudge you need to finally sign up for permanent freezes on your credit files. I’ve used them for years, and here’s how they work. You sign up (and pay some fees, because you knew it wasn’t going to be free to protect data that you didn’t ask these companies to store, right?) at Equifax’s, Experian’s and TransUnion’s websites. Christina Bater, managing director at Barrett Asset Management in New York, suggests freezing your file at the little-known company Innovis, too. Hey, why not?
And then there’s this: A security freeze doesn’t protect you if the thieves break into the vault of the company that maintains the freeze. That’s what happened here, and we will now spend years seeing what happens next.
There is simply no excuse for this bad actor. Terminate the company.
Last year, identity thieves successfully made off with critical W-2 tax and salary data from an Equifax website. And earlier this year, thieves again stole W-2 tax data from an Equifax subsidiary, TALX, which provides online payroll, tax and human resources services to some of the nation’s largest corporations.
Cybersecurity professionals criticized Equifax on Thursday for not improving its security practices after those previous thefts, and they noted that thieves were able to get the company’s crown jewels through a simple website vulnerability.
“Equifax should have multiple layers of controls” so if hackers manage to break in, they can at least be stopped before they do too much damage, Ms. Litan said.
Potentially adding to criticism of the company, three senior executives, including the company’s chief financial officer, John Gamble, sold shares worth almost $1.8 million in the days after the breach was discovered. The shares were not part of a sale planned in advance, Bloomberg reported.
The company handles data on more than 820 million consumers and more than 91 million businesses worldwide and manages a database with employee information from more than 7,100 employers, according to its website.
Equifax has created a website, www.equifaxsecurity2017.com, to help consumers determine whether their data was at risk.
People can go to the Equifax website to see if their information has been compromised. The site encourages customers to offer their last name and the last six digits of their Social Security number. When they do, however, they do not necessarily get confirmation about whether they were affected. Instead, the site provides an enrollment date for its protection service, and it may not start for several days.
Equifax’s credit protection service, which is free for one year for consumers who enroll by Nov. 21, is available to everyone and not just the victims of the breach.
Equifax is offering consumers the ability to freeze their Equifax credit reports, said John Ulzheimer, a consumer credit expert who often does expert witness work for banks and credit unions and worked at Equifax in the 1990s. Thieves could have information stolen from Equifax and used it to open accounts with creditors that use Experian or TransUnion.
“It’s like locking one of three doors in your house and leaving the other two unlocked,” Mr. Ulzheimer said. “You’re hoping the thief stumbles on the locked door.” He recommended that all those affected immediately place a fraud alert on all three of their credit files, which anyone can do for free.
Equifax’s offer of one year of free protection falls short of what consumers really need, because their information can be bought and sold by hackers for years to come, Mr. Ulzheimer added.
Beyond compromising the personal data of millions of consumers, the breach also poses a potential national security threat. In recent years, Chinese nation-state hackers have breached insurers like Anthem and federal agencies, siphoning detailed personal and medical information. These hackers go wide in their assaults in an effort to build databases of Americans’ personal information, which can be used for blackmail or future attacks.
Governments regularly buy stolen personal information on the so-called Dark Web, security experts say. The black market sites where this information is sold are far more exclusive than black markets where stolen credit card data is sold. Interested buyers are even asked to submit to background checks before they are admitted.
“Cyberwar is in large part conducted through data mining and cyberintelligence,” Ms. Litan said. “This is also a Homeland Security risk as enemy nation states build databases of Americans that they then use to get to their targets, for example a network operator at a power grid, or a defense contractor at a missile defense company.”
Sen. Mark R. Warner, a Virginia Democrat who co-founded the Senate Cybersecurity Caucus, said he believed the severity of the Equifax breach raised serious questions about whether Congress needed to rethink data protection policies.
“It is no exaggeration to suggest that a breach such as this — exposing highly sensitive personal and financial information central for identity management and access to credit — represents a real threat to the economic security of Americans,” he said in a statement.