what is the equifax user id number to use for opting out on arbitration

What tin can I do, right now, to protect my information?

To bank check if you lot were personally affected by the breach, you may visit Equifax'south website: world wide web.equifaxsecurity2017.com.

To place a fraud alert or freeze on your credit files, visit the credit reporting agencies' websites linked below or call:

EQUIFAX or 866-349-5191, select option 3 for the automatic organisation or option 5 for a representative
EXPERIAN or 1-888-397-3742, select pick 2
TRANSUNION or 1-888-909-8872, enter your ZIP code when prompted, and so selected option 3
INNOVIS or 1-800-540-2505

The best way to know that no i is using your personal information is to monitor your credit. We are recommending that Vermonters review their credit reports now, and regularly, to make certain that no unauthorized accounts are beingness reported. Y'all can get a free credit report from each of the 3 credit reporting agencies annually, online, at www.annualcreditreport.com, or you lot tin can postal service in a form.

Concerned about protecting your minor children from identity theft? The Federal Trade Commission has splendid resource on child credit protection.

Additionally, you may desire to consider placing a security freeze on your credit reports. This is the most effective stride you lot can take to block unauthorized apply of your personal information. All the same, it does bear some costs and can create some small-scale difficulty if you lot need become a loan, credit card or other credit account. A security freeze does non affect your ability to employ accounts that you take now. Find out more about freezing your credit files below and from the Federal Trade Commission.

Who is Equifax? Why should I be concerned?

Equifax is a consumer credit reporting bureau. Equifax gathers and provides credit data based on an individual's borrowing and bill-paying habits.

Equifax suffered a major data security alienation on July 29, 2017. Over 240,000 Vermonters were potentially impacted and are vulnerable to identity theft. The information stolen includes names, Social Security numbers, nascence dates, addresses and, in some instances, driver's license numbers. In addition, credit card numbers and sure dispute documents with personal data were accessed. Equifax volition exist sending letters to all afflicted consumers.

As of September 10th, we can assure Vermonters of the following:

1. No waiver terms or binding mediation will be imposed on consumers who go to the Equifax website to learn if they are affected.
2. No waiver terms or binding arbitration will be imposed on consumers who enroll in the one year of free identity theft protection and credit file monitoring ("TrustedID") being offered equally a issue of this breach.
3. North o waiver terms or binding arbitration will be imposed on consumers who request a credit report freeze equally a effect of this alienation.
4. Due east quifax besides provides an "opt out" of the standard waiver or bounden arbitration clause related to its terms of use for other products and services across items 1-three above. Consumers may do so by writing within xxx days to: Equifax Consumer Services LLC, Attn.: Arbitration Opt-Out, P.O. Box 105496, Atlanta, GA 30348. Be sure to include your name, address, and Equifax User ID, as well as a clear statement that you practice not wish to resolve disputes with Equifax through arbitration.

You can contact the Attorney Full general's office at 800-649-2424 or AGO.CAP@vermont.gov with farther questions.

What is identity theft?

A breach does not necessarily mean yous are a victim of identity theft. A breach ways you are now susceptible to identity theft.

Identity theft is the unauthorized use of another person's personal information to obtain credit, goods, services, money or belongings (for more information on Vermont laws regarding privacy and information security, click here).

Identity theft may involve fraudulent apply of credit card or bank account information.  In some cases, your social security number and other personal information may be used to fraudulently obtain driver's licenses, lines of credit, loans or other consumer accounts.

I retrieve I am a victim of identity theft. What steps should I take?

• Review your credit reports carefully for any unauthorized accounts. You can obtain your costless credit written report from each of the Credit Reporting Bureaus through AnnualCreditReport.com.  If you find anything that should not be there, be sure to salvage a copy of the written report.  Then, contact the credit reporting agency to dispute all inaccurate items.
• Place a fraud alert or consider a freeze on your credit reports. Freezing your credit report could help forestall unauthorized creation of new accounts using your information. Freezing your credit report does non mean freezing your bank account, or that yous won't be able to utilize your credit carte. Y'all can find out more information from the Federal Merchandise Committee about fraud alerts and freezing your credit files.
• To identify a fraud alert or freeze on your credit files, contact the credit reporting agencies listed here:

EQUIFAX or 866-349-5191, printing choice three for the automated system or option 5 for a representative
EXPERIAN or 1-888-397-3742
TRANSUNION or 1-800-680-7289
INNOVIS or 1-800-540-2505

You'll need to supply your name, accost, date of birth, Social Security number               and other personal data. Fees vary based on where you lot live, but commonly         range from $5 to $10 to place a freeze.

        Subsequently receiving your freeze request, each credit reporting company will transport you lot a           confirmation letter of the alphabet containing a unique Pin (personal identification number) or                 password. Proceed the Pivot or countersign in a prophylactic identify. You will need it if you choose         to lift the freeze.

• Close whatsoever accounts that have been tampered with or opened fraudulently.
• File an "identity theft" police report and ask for a copy for your records. Observe your local police bureau.
• File a complaint with the Federal Trade Committee.
• Write downward the name of anyone yous talk to, what s/he told you, and the date of the conversation.
• Follow-up in writing with all contacts y'all've made about the ID theft on the telephone or in person. Use certified mail, return receipt requested, for all correspondence regarding the theft.
• Keep copies of all correspondence or forms relating to the ID theft.
• Keep the originals of supporting documentation, like police reports and messages to and from creditors; send copies only.
• Proceed old files even if yous believe the trouble is resolved.

I still have questions, where tin can I discover out more?

Find out more about identity theft by visiting the Federal Trade Commission. Yous can too contact usa at 800-649-2424 or AGO.CAP@vermont.gov.

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Source: https://blog.uvm.edu/cap/identity-theft-and-information-on-the-equifax-data-security-breach/

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