Navigating Technology Breaches and Data Protection
In today’s digital age, with countless passwords and online accounts storing our sensitive information, the threat of data breaches and identity theft looms large. The recent breach at National Public Data, one of the largest of its kind, has heightened concerns about data security for many.
What Happened?
National Public Data, a company specializing in collecting and aggregating public records to provide background checks, recently experienced a significant data breach. The company sources its information from public records, skimming agencies, staffing agencies, and other channels.
The breach was revealed through a class action lawsuit, which alleges that more than 2.9 billion personal records could be compromised. However, other reports suggest a figure closer to 2.7 billion records, while an official data breach notice filed in Maine indicates that 1.3 million records were affected. Regardless of the exact number, if you have an online presence, there’s a chance your data may be at risk.
What Should You Do?
- Check for Exposure: If you’re concerned about whether your data was exposed, you can visit npdbreach.com or npd.pentester.com. These sites allow you to check if your information has been compromised. Rest assured, these sites do not collect or store your data beyond their service needs.
- Take Immediate Action:
- Freeze Your Credit: Consider freezing your credit with the three major bureaus—Equifax, Experian, and TransUnion. This prevents new accounts from being opened in your name without your permission. Remember, if you need to use your credit, you’ll have to unfreeze it temporarily.
- Change Passwords: Update usernames and passwords for your online accounts, especially those related to financial information. Avoid using the same password across multiple sites.
- Set Up Fraud Alerts: Placing fraud alerts on your credit reports can help prevent unauthorized account openings or credit limit increases.
- Avoid Public Wi-Fi: Refrain from sharing personal information while using public Wi-Fi, such as at airports or coffee shops.
- Consider Credit Monitoring: A credit monitoring service can provide an additional layer of protection.
- Protect Your Social Security Information: If your data has been exposed, you might want to block electronic access to your Social Security information by contacting the IRS at 1-800-772-1213 or 1-800-325-0778 (TTY). This measure prevents online access to your Social Security data. To lift the block, you will need to call, verify your identity, and make a formal request.
- Create an Online Account with the Social Security Administration: Visit www.ssa.gov to create an account. This can help you manage your benefits and prevents scammers from setting up an account in your name.
Beware of Scams:
- Voice Scams: Be cautious of calls from individuals using AI to mimic the voices of loved ones. They may claim to be in trouble and request money, often via gift cards. Hang up and verify the situation by contacting the person directly.
- Text Scams: Ignore texts requesting small payments to receive delayed packages. Scammers use these tactics to steal your credit card information.
- Gift Card Scams: No legitimate service will ask for gift cards to reset a password or username. Be wary of such requests.
If You’re a Victim:
If you fall victim to fraud, report it to the Federal Trade Commission (FTC), freeze your credit, and file a police report. You can use the FTC’s IdentityTheft.gov to report crimes, track progress, and prepare necessary forms.
Stay Vigilant:
In a world where digital connectivity is constant, it’s crucial to be vigilant about where and with whom you share your data. Trust your instincts—if something feels off, it probably is. Always verify information before sharing any personal details.
Sources:
Securities offered through Grove Point Investments, LLC member FINRA/SIPC. Investment Advisory Services offered through Grove Point Advisors, LLC. Grove Point Investments, LLC & Grove Point Advisors LLC are subsidiaries of Grove Point Financial, LLC. Medallion Financial Group is not affiliated with Grove Point Financial, LLC or its subsidiaries.
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