La semana pasada, la FTC y otros llegaron a un acuerdo resolutorio con Equifax por el incidente de seguridad de datos de 2017 que expuso información personal de 147 millones de personas. Te dijimos que fueras a ftc.gov/es/Equifax, donde puedes averiguar si tu información fue expuesta y enterarte sobre cómo presentar una reclamación ante la compañía a cargo del proceso de reclamaciones.
La respuesta pública ante el acuerdo resolutorio ha sido abrumadora y estamos felices de que millones de personas hayan visitado ftc.gov/es/Equifax y hayan ingresado al formulario de reclamación del sitio web del acuerdo resolutorio.
No obstante, con el volumen inesperado de reclamaciones salió a relucir el lado negativo. En primer lugar, destacaremos lo positivo: los 147 millones de personas afectadas por el incidente pueden solicitar y obtener el monitoreo de crédito gratuito. En el caso de las personas que certifiquen que contaban previamente con el servicio de monitoreo de crédito, también existe la opción de reclamar hasta $125. Sin embargo, el monto asignado para pagar esa parte del acuerdo resolutorio es de $31 millones. En consecuencia, una alta cantidad de reclamaciones de dinero en efectivo en lugar del monitoreo de crédito significará solo una cosa: cada persona que elija la opción de dinero en efectivo terminará recibiendo solamente una pequeña cantidad de dinero. Ni siquiera cerca de los $125 que tal vez estaban esperando.
Por lo tanto, si aún no has presentado tu reclamación, elige el monitoreo de crédito gratuito. Honestamente, el monitoreo de crédito gratuito tiene un valor mucho más alto; el valor de mercado sería de cientos de dólares al año. Además, este servicio de monitoreo es probablemente mejor y más útil que cualquiera que tengas, ya que monitorea tu informe de crédito en las tres agencias de informes de crédito a nivel nacional e incluye hasta $1 millón en seguro contra robo de identidad y servicios individualizados de reparación de crédito y restauración de identidad.
Para quienes ya hayan presentado su reclamación para recibir dinero en efectivo, manténganse atentos a un correo electrónico del administrador del acuerdo resolutorio. Te solicitarán el nombre del servicio de monitoreo de crédito que ya tienes. O, si te gustaría cambiar de opción, tendras la oportunidad de cambiar tu elección a monitoreo de crédito gratuito. El correo electrónico del administrador del acuerdo resolutorio te dirá, cualquiera sea el caso, qué hacer a continuación. Y el administrador del acuerdo resolutorio ha dicho que el sitio web para las reclamaciones también se actualizará con esa información.
También ten en cuenta que, bajo el acuerdo, hay dinero disponible para reembolsar a las personas lo que pagaron de su bolsillo para recuperarse del incidente de seguridad de datos. Este reembolso correspondería en tu caso si después del incidente de seguridad de datos tuviste que pagar para que congelaran tu crédito, o si contrataste a alguien para que te ayudara a aclarar el robo de identidad. El acuerdo resolutorio tiene asignado un monto mayor de dinero para esos casos. Si eres una de esas personas, usa tus documentos de respaldo para presentar tu reclamación.
Este blog fue aclarado el 1 de agosto de 2019.
563 Comments
En respuesta a I'm not sure how useful the por Callie (no verificado)
En respuesta a Exactly what I was thinking! por David (no verificado)
En respuesta a Exactly what I was thinking! por David (no verificado)
En respuesta a I'm not sure how useful the por Callie (no verificado)
FAQ #8 states that Settlement Class Members may submit a claim to enroll in at least four years of three-bureau credit monitoring services, provided by Experian, at no cost. Go to www.EquifaxBreachSettlement.com to learn more.
En respuesta a FAQ #8 states that Settlement por FTC Staff
En respuesta a Is the FTC aware that the por Concerned-C (no verificado)
En respuesta a Is the FTC aware that the por Concerned-C (no verificado)
En respuesta a I've checked the Experian por query-w (no verificado)
The deadline to file a claim for free credit monitoring related to the settlement was January 22, 2020.
You can still get free help recovering from identity theft and six free credit reports per year through 2026 by visiting the Equifax website. Read more about what you can get at www.FTC.gov/Equifax.
En respuesta a The deadline to file a claim por FTC Staff
En respuesta a FAQ #8 states that Settlement por FTC Staff
En respuesta a After properly completing and por bvoris (no verificado)
Answer #3 of the questions and answers on www.FTC.gov/Equifax explains that if you request free credit monitoring, you will get an activation code with instructions after the court approves the final approval. You can choose to receive this code by email or postal mail when you file your claim.
En respuesta a Answer #3 of the questions por FTC Staff
En respuesta a Is there an estimate as to por Laur (no verificado)
The deadline to file a claim is January 22, 2020. The settlement administrator will not send out any benefits until it is allowed to do so by the court, which will be on January 23, 2020, at the earliest. The FTC will update the information page www.FTC.gov/Equifax with new information.
En respuesta a The deadline to file a claim por FTC Staff
En respuesta a The deadline to file a claim por FTC Staff
En respuesta a Answer #3 of the questions por FTC Staff
En respuesta a So, sometime in years future, por Susie Q (no verificado)
En respuesta a Same here!!! I applied for por CJFried (no verificado)
En respuesta a Ditto. It is December 2019, por amberDon't use… (no verificado)
En respuesta a I too received notification por zippy t (no verificado)
The free credit monitoring that's available under the Equifax settlement did not start yet.
If you filed a claim for free credit monitoring under the settlement, the company that manages the settlement will send you information about how to activate your credit monitoring after the Settlement is effective. The company will send you an activation code and link to the Experian website where you can enroll and activate your Credit Monitoring Services. The settlement will be effective on January 23, 2020 at the earliest. Read more at www.FTC.gov/Equifax.
En respuesta a "My ID Notify" isn't related por FTC Staff
En respuesta a "My ID Notify" isn't related por FTC Staff
En respuesta a I've been told that the por feeling violat… (no verificado)
The effective date of the settlement does not occur until either (1) the time to file an appeal has expired and nobody has appealed or (2) all appeals are resolved by an appellate court and no more appeals may be filed.
En respuesta a "My ID Notify" isn't related por FTC Staff
En respuesta a So, you are saying this por James (no verificado)
The effective date of the settlement does not occur until either (1) the time to file an appeal has expired and nobody has appealed or (2) all appeals are resolved by an appellate court and no more appeals may be filed.
En respuesta a The effective date of the por FTC Staff
En respuesta a After properly completing and por bvoris (no verificado)
En respuesta a From the source you linked: por jd (no verificado)
En respuesta a My ID Notify expired por Sophie T (no verificado)
The free credit monitoring that's available under the Equifax settlement did not start yet.
If you filed a claim for free credit monitoring under the settlement, the company that manages the settlement will send you information about how to activate your credit monitoring after the Settlement is effective. The company will send you an activation code and link to the Experian website where you can enroll and activate your Credit Monitoring Services. The settlement will be effective on January 23, 2020 at the earliest. Read more at www.FTC.gov/Equifax.
En respuesta a FAQ #8 states that Settlement por FTC Staff
En respuesta a I'm not sure how useful the por Callie (no verificado)
En respuesta a This information should have por T_Roy (no verificado)
Everyone who was affected by the breach can ask for and get free credit monitoring. The settlement site (www.EquifaxBreachSettlement.com) says people who were affected can ask for at least four years of free, three-bureau credit monitoring services, provided by Experian.
If you already sent a claim for the cash payment, you will get an email from the settlement administrator. They will ask you to name the credit monitoring service you already have. If you want to change your request from asking for cash payment to asking for free credit monitoring, you can do it then.
En respuesta a Everyone who was affected by por FTC Staff
En respuesta a Is the FTC aware that prior por Jefferson (no verificado)
If you were affected by the breach, you can file a claim for a cash payment, capped at $20,000 per person, for expenses you paid as a result of the breach. You can file a claim for the cost of Equifax credit monitoring and related services you had between September 7, 2016, and September 7, 2017, capped at 25 percent of the total amount you paid. Learn more at www.FTC.gov/Equifax.
En respuesta a If you were affected by the por FTC Staff
En respuesta a so you can only get a quarter por NoThankYou (no verificado)
The information at www.FTC.gov/Equifax says you can make a claim for cash payments, capped at $20,000 per person. When you request cash payment, you could request payment for:
1. expenses you paid as a result of the breach (read the details at www.FTC.gov/Equifax);
2. the time you spent dealing with the breach (read the details at www.FTC.gov/Equifax);
3. the cost of Equifax credit monitoring and related services you had between September 7, 2016, and September 7, 2017, capped at 25 percent of the total amount you paid.
En respuesta a Everyone who was affected by por FTC Staff
En respuesta a Bridget: Free monitoring is por ken (no verificado)
Ken: Go to www.FTC.gov/Equifax to read about the benefits - including free credit monitoring - an affected person can request. People who were affected can file a claim for cash payments, capped at $20,000 for epenses they paid as a result of the breach, for things like:
- Losses from unauthorized charges to your accounts
- The cost of freezing or unfreezing your credit report
- The cost of credit monitoring
- Fees you paid to professionals like an accountant or attorney
- Other expenses like notary fees, document shipping fees and postage, mileage, and phone charges
People can also file a claim for the cost of Equifax credit monitoring and related services you had between September 7, 2016, and September 7, 2017, capped at 25 percent of the total amount you paid.
People can also file a claim for time they spent dealing with the breach. Read the details at www.FTC.gov/Equifax.
En respuesta a Ken: Go to www.FTC.gov por FTC Staff
En respuesta a Bridget: I've read the FAQ por ken (no verificado)
You may find information about that on www.EquifaxBreachSettlement.com in the FAQs (frequently asked questions).
En respuesta a You may find information por FTC Staff
En respuesta a Why do you keep dodging the por Lee (no verificado)
We want to provide up to date information to the readers, so it's best to refer people to a source - like www.EquifaxBreachSettlement.com - where they can get current information.
En respuesta a Bridget: Free monitoring is por ken (no verificado)
En respuesta a Everyone who was affected by por FTC Staff
En respuesta a Why would anyone want free por An interested person (no verificado)
FAQ #8 states that Settlement Class Members may submit a claim to enroll in at least four years of three-bureau credit monitoring services, provided by Experian, at no cost. Go to www.EquifaxBreachSettlement.com to learn more.
En respuesta a Why would anyone want free por An interested person (no verificado)
En respuesta a This information should have por T_Roy (no verificado)
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