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EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
Luvapottamus
Registered User
User ID: 372884
09-13-2017 05:31 PM

Posts: 47,816



Post: #16
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
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LoP Guest  Wrote: (09-13-2017 03:58 PM)
To have a Creditor one has to be in DEBT.

One of my employers demanded(on penalty of being fired) that all the workers sign authorizations for credit checks.

There was a big protest, and the solution was to redact everything on the contract except the I, __________(your name) and the signature.

That way we signed it but didn't authorize anything.

I'm sure the "nothing to hide" idiocratic majority has made this common practice now.

It's totally unethical and legally it's a contract signed under duress, which can be repudiated and nullified, but this is a "right to work" state which means they can fire you for nothing anyway.

There is no such thing as sovereign debt. Reinstate Greenbacks.
http://www.youtube.com/watch?v=Vb5OQUElilo
http://taxwallstreetparty.org/
United Front Against Austerity
(This post was last modified: 09-13-2017 05:32 PM by Luvapottamus.) Quote this message in a reply

Luvapottamus
Registered User
User ID: 372884
09-13-2017 05:33 PM

Posts: 47,816



Post: #17
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
There's two other big credit reporting agencies.

You hack one; you've hacked all three.

chuckle

There is no such thing as sovereign debt. Reinstate Greenbacks.
http://www.youtube.com/watch?v=Vb5OQUElilo
http://taxwallstreetparty.org/
United Front Against Austerity
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LoP Guest
lop guest
User ID: 228559
09-13-2017 06:09 PM

 



Post: #18
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
BulletProofBeefCake  Wrote: (09-13-2017 03:46 PM)
The only way to fix this might be to issue new SSNs to everyone affected.

the logistics of that would be impossible
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LoP Guest
lop guest
User ID: 422221
09-13-2017 09:17 PM

 



Post: #19
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
SlowLoris  Wrote: (09-13-2017 04:59 PM)
LoP Guest  Wrote: (09-13-2017 04:54 PM)
I don't care, the credit system has been destroyed. They could say I owe a billion dollars. I say prove it.

They can prove it, they have all your personal information. They have all the places and dates from when they say you acquired the debt.

Just ask people who have had their identities stolen. It can turn into a years long ordeal trying to prove that they did not acquire the debt. Because proving you did not do it is all on you.

I have witnesses that say I don't live in arizona. case dismissed
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LoP Guest
lop guest
User ID: 422221
09-13-2017 09:19 PM

 



Post: #20
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
It isn't all on me either, I am still innocent until proven guilty. They can't put people in prison for debts any more. And millions are affected. This is like traffic cameras giving out tickets, over and over it is thrown out of the court room.
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Elizabeth
Yeh Yeh I Know
User ID: 430577
09-13-2017 09:37 PM

Posts: 6,479



Post: #21
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
LoP Guest  Wrote: (09-13-2017 09:19 PM)
It isn't all on me either, I am still innocent until proven guilty. They can't put people in prison for debts any more. And millions are affected. This is like traffic cameras giving out tickets, over and over it is thrown out of the court room.

No, there isnt debtors prison anymore..

BUT

They CAN sieze your property and garnish your wages.

Im not sure how old you are... but identity theft and debts aquired under that theft IS NOT something to take lightly.

Unlike criminal charges, when it comes to debt aquired under your name, and you are basically guilty until you PROVE yourself innocent. Which isnt as easy as you think.

And once it ruins your credit, it can make getting hired for certain jobs more difficult. Higher insurance rates. Being turned down as a rentor. And being unable to obtain utiluty services in your name without massive deposits.

3 Identity Theft Horror Stories That Will Make Your Toes Curl
https://www.dumblittleman.com/3-identity...ries-that/

'Someone Had Taken Over My Life': An Identity Theft Victim's Story
https://www.forbes.com/sites/laurashin/2...story/amp/

"I think if people want to wipe out reminders of slavery, segregation & white supremacy we might consider getting rid of the Democratic Party"- Dnesh D'Souza
(This post was last modified: 09-13-2017 09:38 PM by Elizabeth.) Quote this message in a reply
LoP Guest
lop guest
User ID: 422221
09-13-2017 11:04 PM

 



Post: #22
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
Elizabeth  Wrote: (09-13-2017 09:37 PM)
LoP Guest  Wrote: (09-13-2017 09:19 PM)
It isn't all on me either, I am still innocent until proven guilty. They can't put people in prison for debts any more. And millions are affected. This is like traffic cameras giving out tickets, over and over it is thrown out of the court room.

No, there isnt debtors prison anymore..

BUT

They CAN sieze your property and garnish your wages.

Im not sure how old you are... but identity theft and debts aquired under that theft IS NOT something to take lightly.

Unlike criminal charges, when it comes to debt aquired under your name, and you are basically guilty until you PROVE yourself innocent. Which isnt as easy as you think.

And once it ruins your credit, it can make getting hired for certain jobs more difficult. Higher insurance rates. Being turned down as a rentor. And being unable to obtain utiluty services in your name without massive deposits.

3 Identity Theft Horror Stories That Will Make Your Toes Curl
https://www.dumblittleman.com/3-identity...ries-that/

'Someone Had Taken Over My Life': An Identity Theft Victim's Story
https://www.forbes.com/sites/laurashin/2...story/amp/

The everyone in the court system goes into the lake of fire with the devils angels
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LoP Guest
lop guest
User ID: 408260
09-13-2017 11:40 PM

 



Post: #23
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
Facts of Life, Ya Live Ya Die Ya must Pay 45 different taxes , U Must hAve A Crap Load Of Insurance and U Must Have A Better than good Credit rating Or you are treated as if you are the scum of the earth.

Credit scores range from 300-850 and 750 in considered good.

BUT, If U Are Illegal Or Immigrant you automatically receive perfect credit and can have the time of your life because u have not been tracked since birth.

If you do not have a 750 then U pay higher rates for all your insurance, You Are judged more by employers and landlords and your life pretty much sucks because any loans you have a chance at are at astronomical percentage rates.
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LoP Guest
lop guest
User ID: 408260
09-13-2017 11:41 PM

 



Post: #24
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
LoP Guest  Wrote: (09-13-2017 11:40 PM)
Facts of Life, Ya Live Ya Die Ya must Pay 45 different taxes , U Must hAve A Crap Load Of Insurance and U Must Have A Better than good Credit rating Or you are treated as if you are the scum of the earth.

Credit scores range from 300-850 and 750 in considered good.

BUT, If U Are Illegal Or Immigrant you automatically receive perfect credit and can have the time of your life because u have not been tracked since birth.

If you do not have a 750 then U pay higher rates for all your insurance, You Are judged more by employers and landlords and your life pretty much sucks because any loans you have a chance at are at astronomical percentage rates.
https://www.simplethriftyliving.com/how-...rts-start/
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Karu
Registered User
User ID: 430457
09-14-2017 12:09 AM

Posts: 18,983



Post: #25
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
Luvapottamus  Wrote: (09-13-2017 05:33 PM)
There's two other big credit reporting agencies.

You hack one; you've hacked all three.

chuckle

doomed

If society fell apart, we - the people would build a new one. Most people are good at their core, and when we see things that are wrong we work to fix them together. Make friends with your neighbors, get involved with your community - because we will rebuild our lives, our communities, from horrible circumstances we always will.
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LoP Guest
lop guest
User ID: 429323
09-14-2017 12:50 AM

 



Post: #26
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
My equifax profile: Stoner
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LoP Guest
lop guest
User ID: 407269
09-14-2017 12:54 AM

 



Post: #27
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
nothing a good lawyer can't fix
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NormalIsSubjective

User ID: 426602
09-14-2017 01:04 AM

Posts: 19,034



Post: #28
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
Here are all the ways the Equifax data breach is worse than you can imagine

By Michael Hiltzik, September 8 2017

[...]

"— Equifax waited six weeks to disclose the breach. The firm says it discovered the breach, which it reports began in mid-May, on July 29. That’s six weeks that consumers could have been victimized without their knowledge and therefore left without the ability to take countermeasures. Equifax hasn’t explained the delay.

Three Equifax executives sold shares after the discovery of the breach and before its public disclosure, according to Bloomberg. They collected $1.8 million from the sales, which weren’t part of any prearranged option-execise programs. The sales were made on Aug. 1 and 2, the third and fourth days after the breach was discovered. An Equifax spokeswoman says the executives were unaware of the breach at the time of their sales, but that’s hardly comforting: One was John Gamble, the firm’s chief financial officer. If the firm’s No. 2 executive wasn’t immediately informed about a catastrophic security breach, why not?
Cybersecurity expert Brian Krebs was silenced by a huge hacker attack. That should terrify you.

In any case, the executives’ timing was exquisite. Gamble sold 6,500 shares for $145.60, or about $946,400. As of midday Friday, following the firm’s disclosure, the shares are trading at a bit over $123, down about 13% on the day.

— Equifax already is trying to take advantage of the victims of its own breach. The firm set up a website allowing individuals to check if their information was potentially compromised, but it requires users to plug in their last name and last six digits of their Social Security numbers. That raises the question of why anyone would trust Equifax with even a partial Social Security number at this stage.

The site also invites users to sign up for Equifax’s “TrustedID Premier” credit monitoring service. As a recompense to the victims, the firm is offering this service free for a year. But be warned: Not only is that woefully inadequate, since hackers can exploit stolen personal data for many years, but it gives Equifax a lucrative database of possible customers to be sold continuing subscriptions for the service after the year is expired — at a price currently set at $19.95 a month. In fact, enrollment in the service typically requires customers to provide Equifax with a credit card number, which the firm uses to automatically bill them after the free trial is over.
Last week's record-breaking Internet attack came from 100,000 enslaved Web devices

“The fact that the breached entity (Equifax) is offering to sign consumers up for its own identity protection services strikes me as pretty rich,” security expert Brian Krebs observed on his website.

Even worse, the TrustedID terms of service state that enrollees give up their right to sue Equifax and prevents them from filing or joining a class action in the case of any dispute — they’ll have to go to arbitration as individuals, which almost always places consumers at a disadvantage." http://www.latimes.com/business/hiltzik/...tory.html#


Ironically:

Equifax Data Breach Services

You'll feel safer with Equifax. We're the leading provider of data breach services, serving more than 500 organizations with security breach events everyday. In addition to extensive experience, Equifax has the most comprehensive set of identity theft products and customer service coverage in the market... http://www.equifax.com/help/data-breach-solutions/

chuckle


Turns out this isn't a new problem for Equifax:

Equifax discloses data breach due to technical error during software change

Apr 09, 2015

Credit reporting giant Equifax is notifying some consumers that some of their personal information may have erroneously been sent to other individuals due to a technical error during a software change... https://www.databreaches.net/equifax-dis...re-change/
(This post was last modified: 09-14-2017 01:06 AM by NormalIsSubjective.) Quote this message in a reply
Elizabeth
Yeh Yeh I Know
User ID: 430592
09-14-2017 01:13 AM

Posts: 6,479



Post: #29
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
NormalIsSubjective  Wrote: (09-14-2017 01:04 AM)
Here are all the ways the Equifax data breach is worse than you can imagine

By Michael Hiltzik, September 8 2017

[...]

"— Equifax waited six weeks to disclose the breach. The firm says it discovered the breach, which it reports began in mid-May, on July 29. That’s six weeks that consumers could have been victimized without their knowledge and therefore left without the ability to take countermeasures. Equifax hasn’t explained the delay.

Three Equifax executives sold shares after the discovery of the breach and before its public disclosure, according to Bloomberg. They collected $1.8 million from the sales, which weren’t part of any prearranged option-execise programs. The sales were made on Aug. 1 and 2, the third and fourth days after the breach was discovered. An Equifax spokeswoman says the executives were unaware of the breach at the time of their sales, but that’s hardly comforting: One was John Gamble, the firm’s chief financial officer. If the firm’s No. 2 executive wasn’t immediately informed about a catastrophic security breach, why not?
Cybersecurity expert Brian Krebs was silenced by a huge hacker attack. That should terrify you.

In any case, the executives’ timing was exquisite. Gamble sold 6,500 shares for $145.60, or about $946,400. As of midday Friday, following the firm’s disclosure, the shares are trading at a bit over $123, down about 13% on the day.

— Equifax already is trying to take advantage of the victims of its own breach. The firm set up a website allowing individuals to check if their information was potentially compromised, but it requires users to plug in their last name and last six digits of their Social Security numbers. That raises the question of why anyone would trust Equifax with even a partial Social Security number at this stage.

The site also invites users to sign up for Equifax’s “TrustedID Premier” credit monitoring service. As a recompense to the victims, the firm is offering this service free for a year. But be warned: Not only is that woefully inadequate, since hackers can exploit stolen personal data for many years, but it gives Equifax a lucrative database of possible customers to be sold continuing subscriptions for the service after the year is expired — at a price currently set at $19.95 a month. In fact, enrollment in the service typically requires customers to provide Equifax with a credit card number, which the firm uses to automatically bill them after the free trial is over.
Last week's record-breaking Internet attack came from 100,000 enslaved Web devices

“The fact that the breached entity (Equifax) is offering to sign consumers up for its own identity protection services strikes me as pretty rich,” security expert Brian Krebs observed on his website.

Even worse, the TrustedID terms of service state that enrollees give up their right to sue Equifax and prevents them from filing or joining a class action in the case of any dispute — they’ll have to go to arbitration as individuals, which almost always places consumers at a disadvantage." http://www.latimes.com/business/hiltzik/...tory.html#


Ironically:

Equifax Data Breach Services

You'll feel safer with Equifax. We're the leading provider of data breach services, serving more than 500 organizations with security breach events everyday. In addition to extensive experience, Equifax has the most comprehensive set of identity theft products and customer service coverage in the market... http://www.equifax.com/help/data-breach-solutions/

chuckle


Turns out this isn't a new problem for Equifax:

Equifax discloses data breach due to technical error during software change

Apr 09, 2015

Credit reporting giant Equifax is notifying some consumers that some of their personal information may have erroneously been sent to other individuals due to a technical error during a software change... https://www.databreaches.net/equifax-dis...re-change/

Jhikpghf

Its infuriating

S977

"I think if people want to wipe out reminders of slavery, segregation & white supremacy we might consider getting rid of the Democratic Party"- Dnesh D'Souza
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LoP Guest
lop guest
User ID: 397198
09-14-2017 03:40 AM

 



Post: #30
RE: EQUIFAX DEALS WITH YOUR CREDITORS- NOT YOU-AND COLLECTS DATA ABOUT YOU
I don't know what my credit score is, but it's probably between 300 and 350. I have poverty level income, no visible assets worth more than junk, no debt that's collectible and no desire to engage in their system. Why should I incur debt to get "credit" that I neither want nor need. I have minimum liability insurance on my old car and no tickets or crashes.

I see no reason to worry about the data breach.
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