Equifax "Cybersecurity Incident"

APGFCU has implemented additional steps to further protect our members’ personal information following the recent data compromise at Equifax. You may now be asked for additional identity authentication for transactions and account opening.

You may have heard in the news that Equifax, one of the three major credit bureaus, announced a "cybersecurity incident," on September 7th that potentially impacts approximately 143 million U.S. consumers.

Between mid-May and July, Equifax says criminals accessed information including names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed.

In response to this incident, Equifax has established a dedicated call center and website to handle consumer inquiries.

Actions Members and Consumers Can Take:

  • Make sure your phone number, including your mobile number, is up-to-date with APGFCU. You may receive a phone call from our Enfact fraud detection network if potential fraudulent activity has been identified on your credit card account with us.
  • Be vigilant in reviewing your account statements and credit reports, and immediately report any unauthorized activity to your financial institutions.
  • Use online/mobile banking to monitor your accounts on a regular basis. Enroll in these free services if you are not currently enrolled.
  • APGFCU representatives are available to help review your accounts with us, should you have concerns.
  • Request a free annual credit report by going to www.annualcreditreport.com or calling 1-877-322-8228. You can time these requests to monitor credit over the course of a year by ordering one report from a different bureau every four months.
  • Enroll in a fraud detection/ credit monitoring service. Equifax is offering their own TrustedID Premier at no cost to all U.S. consumers for one year. There are other non-Equifax services available, usually for a fee.
    • Equifax recently added an FAQ to their website to confirm that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to enrollments related to this cybersecurity incident. Equifax removed that language from the Terms of Use found on the website link above, equifaxsecurity2017.com.
  • Consider placing a credit freeze, which makes it harder for someone to open a new account in your name. If you place a freeze, be ready to take a few extra steps the next time you apply for a new credit card or cell phone – or any service that requires a credit check. If you decide not to place a credit freeze, consider placing a fraud alert. Freezes and alerts can be placed by contacting each of the three bureaus. There may be a nominal fee to place a freeze.
    • Equifax — 1-800-349-9960
    • Experian — 1 888 397 3742
    • TransUnion — 1-888-909-8872
  • Visit the Federal Trade Commission’s website, www.ftc.gov/idtheft, to obtain information on ways to protect yourself against fraud if you have been part of a data breach or your identity has been stolen.

Additional Information

Consumer Financial Protection Bureau:
https://www.consumerfinance.gov/about-us/blog/identity-theft-protection-following-equifax-data-breach/

Federal Trade Commission:
https://www.consumer.ftc.gov/articles/0235-identity-theft-protection-services