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Equifax Data Breach

As you may have read in recent media reports, Equifax, one of the three major consumer credit reporting agencies, said on Thursday that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and driver’s license numbers.

In addition​, hackers were also able to retrieve names, birth dates and addresses. Credit card numbers for 209,000 consumers were stolen, while documents with personal information used in disputes for 182,000 people were also ​compromised.

As more information becomes available we’ll keep you updated.

Frequently Asked Questions

What Happened?

Equifax, one of the three major consumer credit reporting agencies, said on Thursday that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and driver’s license numbers.

In addition​, hackers were also able to retrieve names, birth dates and addresses. Credit card numbers for 209,000 consumers were stolen, while documents with personal information used in disputes for 182,000 people were also compromised.

How do I determine if my information was hacked?

Visit www.equifaxsecurity2017.com/potential-impact/  and click on “Check Potential Impact” It will ask for your last name and last 6 digits of your Social Security Number.

In addition to the website, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted.

Regardless of whether your information may have been impacted, Equifax is providing the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the “How do I enroll?” instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, November 21, 2017.

TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers – all complimentary to U.S. consumers for one year. The website also provides additional information on steps consumers can take to protect their personal information.

Equifax recommends that consumers with additional questions visit www.equifaxsecurity2017.com or contact Equifax's dedicated call center at 866-447-7559. The call center is open every day (including weekends) from 7:00 a.m. – 1:00 a.m. Eastern time.

Should I close and reissue my credit or debit card?

Debit cards were not affected with this breach as there is no credit check involved in issuing a debit card. Nationally, Equifax is reporting only 209,000 credit cards were affected. If you feel your ORNL FCU credit card was affected, we will issue you a replacement at no charge.  

What should I do to protect my financial information?

For those who think their information may have been breached, here are steps they can take to protect their data.

  • Check Credit Reports: Consumers should check their credit reports with Equifax but also with the other major companies, Experian and TransUnion. Plus, you can get a copy of your credit report free each year from https://www.annualcreditreport.com/.
  • Consider a Credit Freeze: A credit freeze will prevent new lines of credit from being issued, but it is a complicated step. Consumers must contact each credit agency and follow their procedures. Doing so will mean consumers won’t be able to open credit cards or take a mortgage or car loan themselves, and unfreezing the credit may take some time.
  • Check Bank Statements and Credit Card Statements: Consumers should check their bank statements and credit-card statements for any unauthorized activity. Check account balances and transactions frequently through Online Banking and Mobile Banking.
  • Sign Up for Account Alerts: Through Online Banking, select More and click Alerts.  Sign up to receive text or email alerts to show your daily balance or large transactions clearing your account.
  • Take the Credit Monitoring Offered: Equifax has established a website—www.equifaxsecurity2017.com—to help consumers determine if their information has been ​compromised and to sign up for credit-file monitoring and identity-theft protection. The offering, called TrustedID Premier, includes credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity-theft insurance; and internet scanning for Social Security numbers. The service is free to U.S. consumers for one year, the company said. Such programs should let customers know if someone makes a change to a credit account or makes a credit inquiry in their names. Identity monitoring may also scrape public databases or scan the dark web to see if information is being sold, Equifax says.
  • Visit the Identity Theft Resource Center: Those who believe they may have been the victim of identity theft can learn more about how to protect themselves at www.idtheftcenter.org. They can also call the center’s toll-free number (888.400.5530) for advice on how to resolve identify-theft issues. All of the center’s services are free.
  • Equifax is offering a dedicated call center for consumers who have additional questions: 1.866.447.7559. It is open every day, including weekends, from 7 a.m. to 1 a.m. Eastern time.

 

How did this happen?

At this time, we do not have additional information. Only the information Equifax has provided to the public so far - that hackers gained access to ​Equifax data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and driver’s license numbers and 209,000 credit card numbers.

Is my account at ORNL FCU safe?

Member security is our top priority.  ORNL FCU member accounts are monitored for fraud 24 hours a day, seven days a week.  Members should contact an ORNL FCU representative if they suspect any fraudulent activity on their account.  As an added precaution, you can add a code word to any of your ORNL FCU accounts to avoid any unauthorized access.