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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 resolutorioTe 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.

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El propósito de este blog y su sección de comentarios es informar a los lectores acerca de la actividad de la Comisión Federal de Comercio (FTC) y compartir información con los lectores para ayudarlos a evitar, reportar y recuperarse del fraude, las estafas y las malas prácticas comerciales. Valoramos sus opiniones, ideas e inquietudes y alentamos los comentarios. Pero tenga presente que este es un blog que está bajo moderación. Revisamos todos los comentarios antes de publicarlos y no publicaremos comentarios que no cumplan con nuestra política de comentarios. Esperamos que los comentaristas traten a los redactores del blog y entre sí con respeto.

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firandle
July 31, 2019
I chose the credit monitoring as it is guaranteed, as opposed to the pay out which may not be. And if you really think about it, the value of the 3 credit bureau monitoring is worth more than $125.
Vero
August 05, 2019

En respuesta a por firandle

Ummm, no it's not, it's offered for free by lots of banks and credit card companies. Are you an experian employee? It's easy and cheap for them to provide credit monitoring. That's why they agreed to do it. To convince these companies, it needs to hit their bank accounts with real money payments to real people.
Frank abdo
July 31, 2019
How soon you get your 125
RGC
July 31, 2019
This is unacceptable. The court and Equifax knew there were 147 million claimants. Why offer $125 per claim and set aside only $31 million? Did someone forget to do the math?
Alsum66
July 31, 2019

En respuesta a por RGC

I was just thinking the EXACT SAME THING! How does Equifax figure this is ok to state you didn’t set aside enough monies to compensate 147 million people that were impacted by this breach? This is not acceptable at all.
Bologna
July 31, 2019

En respuesta a por RGC

Honestly, even if they had the 18+ Billion that it would take to pay everyone the $125 does anyone really feel like that is enough? I sure as heck wouldn’t sign up to sell my data for that measly sum. The only compensation of value to the citizens of this country is a change in the system. The government needs to do their duty and start protecting its people and they need to do it proactively.
Brandyboo1987
August 01, 2019

En respuesta a por RGC

My thoughts exactly. Maybe they thought more people would take part in the free credit monitoring? I, myself, receive free monitoring through Chase and Capital One. I think this is bogus to not offer the full compensation to those of us that already have this.
Fedup
August 05, 2019

En respuesta a por RGC

I agree. I think they should HAVE to give free monitoring, plus if your info is used by someone besides you they should HAVE TO PAY FOR IT ALL, plus make SURE your credit IS NOT harmed!!
ThisIsAJoke
July 31, 2019
This whole “settlement” is an absolute joke. Equifax has gotten away with nothing more than a pinch on the cheek and consumers have once again gotten the shaft. Why would anyone trust Equifax, or any other company, with our personal information again? Consumer protection is no longer part of the government vocabulary. We should have a choice and be allowed to completely shut off these companies access to our personal and credit information, especially when they have committed such criminal conduct. Instead, the companies like Equifax make sweet heart deals with expensive lawyers and the government, then walk away.
Credit monitor…
July 31, 2019
In and around 2015 & 2016 my peronal information was taken in three separate U.S. OPM database breaches. Credit monitoring was offered to the tens of millions of federal employees affected. The monitoring required the input of all information released and asked for some that was not. Two issues arose: First, the credit monitoring company refused despite several attempts to provide me the specifics what the monitoring system did to aid me/pay for problems if my stolen information was misused. Examples: If my bank account was emptied I was told that not thier responsibility but the bank's; If my credit card being monitored was misuded that was a credit card company issue. The credit monitoring provider refused to provide me a written statement of their coverage and assistance. Specific queries should it to be negligible and unavailable until the worst possible time -- when a crisis occurs related to the ID theft. 2. Naturally, the credit monitoring company stated their database was totally secure from an ID theft hack. Critical as all my information is in their system. Problem: No database is totally secure. Such systems appear to be a potential giant candy jar for hackers and the compensation and coverage inadequate to address the financial and ID loss to those participating. I removed my data. I have secured it via credit freezes. I have informed the IRS of the ID theft to prevent misuse of tax returns. These and other ID theft safeguards need to be directly relayed to those affected by the data breach by Equifax and required by the FTC. The FTC penalty and responsibilty of Equifax for the data breach and its affect on tens of millions of Americans is grossly inadequate. Credit monitoring has severe flaws. Compensation of $125 in lieu of credit monitoring or $20,000 in assistance to aid in those dealing with problems is inadequate and a disservice to those affected. We are left with a lifetime of concern and hassle. People can change their credit cards, change their bank accounts, but we cannot change our social security numbers, health insurance card numbers, etc. A penalty of $750 million is a pittance for the each of those affected and the potential consequences to consumers. Further, the FTC penalty puts the onus on those whose data was stolen to take legal action against Equifax if needed to recoup losses. To address these issues I suggest the FTC require Equifax at their own expense: 1. to automatically send everyone affected on an annual basis a free copy of their credit report, 2. to send everyone affected clear succinct guidance on how to safequard their identity and credit data, 3) Those opting for credit monitoring be sent specific written information on what services and coverage is provided by the credit monitoring company.
Homeownership …
July 31, 2019
Credit monitoring is a joke. I have at least 4 entities providing me with credit monitoring because of security breaches. You only learn about the bogus account after something has happened. Next time, get enough money from the offending agent to fairly compensate people, monetarily, for the time spent freezing accounts, etc. and worrying about what was going to happen next. Clearly, $31 million was not a satisfactory penalty for a security breach at a Credit Reporting Agency, who waited months to let us know the breach had even occurred.
Sandra
July 31, 2019
Equifax is not, and has never been, the consumer's friend. Equifax serves the creditor community. Equifax is notoriously unresponsive to debtors who have legitimate grievances. Now it is attempting to renege on the AGREEMENT with the FTC to compensate its victims - errrr, I mean consumers - for its failure to safeguard information which no consumer ever agreed it should collect on him. The information Equifax was so careless with is still out there and will be out there for the rest of the lives of every consumer victimized. $125 is small enough, too small in fact to be an adequate compensation. Now Equifax wants consumers to take less. OK, let's throw out the deal. Let's have a new agreement where Equifax pays more to compensate consumers for their present loss and future loss, worry and aggravation. Perhaps Equifax should be dissolved and its assets divided among its victims.
Disappointed
July 31, 2019
The FTC reached a settlement with Equifax for 425 million...........but knew there were over 147 million affected consumers. now I get an Email stating that we will get almost nothing....does not take a frikin math genius to figure that out. Why not try a little harder to get some real resolution to this matter, like the 5 billion that Facebook settled for? Really disappointed that the FTC that is supposed to be a govt. watchdog has rolled over more like a 3 week old kitten.
FTC Staff
July 31, 2019

En respuesta a por Disappointed

Go to www.FTC.gov/Equifax to read about the benefits you may claim, including:

  • up to 10 years of credit monitoring
  • identity theft insurance
  • cash payments for expenses you paid as a result of the breach, capped at $20,000 per person
  • free identity restoration services for at least seven years
  • starting in 2020, six free credit reports per year for 7 years from the Equifax website. Those are in addition to the one free Equifax, Experian and TransUnion reports you can get at AnnualCreditReport.com.
BreachedYetAgain
August 03, 2019

En respuesta a por FTC Staff

I paid for extra credit monitoring and credit freeze services when I learned my info was affected by the Equifax breach. If I choose to document the expenses I incurred because of the breach, can I still opt for the 10 years of credit monitoring and ID theft insurance?
FTC Staff
August 05, 2019

En respuesta a por BreachedYetAgain

Please read the FAQ on the settlement website www.EquifaxBreachSettlement.com. FAQ#8 Credit Monitoring Services says " You may make a claim for both reimbursement for Out-of-Pocket Losses and/or Time Spent, and Credit Monitoring Services." and tells the deadline to do that: The deadline for all claims for Credit Monitoring Services is 01/22/2020.

FAQ #7 has details about payment for time spent and out of pocket expenses.

Jackie
July 31, 2019
Really? How could anyone rely on Equifax for credit monitoring?
FTC Staff
August 15, 2019

En respuesta a por Jackie

Under the settlement, you can request four years of free credit monitoring from Experian.

Equifax will pay $300 million into a fund that will pay Experian to provide the first four years of three-bureau credit monitoring services. If you request four years of Experian monitoring, you can also request six additional years of one-bureau monitoring by Equifax. There are other benefits for people whose information was exposed in the breach. Learn more at www.FTC.gov/Equifax and www.EquifaxBreachSettlement.com.

RobynI
July 31, 2019
Email address doesn't work for me.
FTC Staff
July 31, 2019

En respuesta a por RobynI

The correct email is Info@EquifaxBreachSettlement.com

JMC
July 31, 2019
I already have free credit monitoring thanks to the OPM breach. This fine is nowhere near enough restitution.
SES
July 31, 2019
Where do you sign up for the free credit monitoring?
FTC Staff
July 31, 2019

En respuesta a por SES

1. Before you ask for free credit monitoring, go to www.FTC.gov/Equifax.  Use the look-up tool to find out if your information was exposed.

2. If your information was exposed, go back to www.FTC.gov/Equifax.

  • Click on the blue button at the top that says File a Claim.
  • You will be directed to www.EquifaxBreachSettlement.com.
  • Choose how you want to submit a claim: online, by downloading a paper form, or by having a paper form mailed to you.
An interested person
August 01, 2019

En respuesta a por FTC Staff

I'm concerned Equifax may have lost my data without Equifax being aware of it. What are my rights in that case?
Shona
July 31, 2019
This settlement is a joke. The only thing your doing is guaranteeing millions of customers to Equifax. The company that screwed everyone over in the first place. How does this help the people that have already lost things that are irreplaceable? Such as being denied a first home owners loan or losing their house because the Irs held their income tax because they couldn't verify their identity? What are you gona do for us??
FTC Staff
August 01, 2019

En respuesta a por Shona

Go to www.FTC.gov/Equifax to learn about the benefits that are available. You can file a claim for cash payments, capped at $20,000 per person, for:

  • expenses you paid as a result of the breach, like losses from unauthorized charges to your accounts, costs to freeze or unfreeze your credit report; see details at www.FTC.gov/Equifax;
  • the time you spent dealing with the breach; you can be compensated $25 per hour for up to 20 hours; see details at www.FTC.gov/Equifax;
  • 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.
Mpmason12
July 31, 2019
So you are going to monitor all three (3) credit bureaus each month and email these to me? Do you know my email address?
A Victim of Id…
July 31, 2019
This is absolutely ridiculous to only fine Equifax $31MM for compensatory damage payments to 176MM people. No one wants or trusts their credit monitoring. We want to be made whole in an amount reflective of the worst data breach in history.
FTC Staff
July 31, 2019

En respuesta a por A Victim of Id…

 There is money available under the settlement to reimburse people for what they spent to recover from the breach. For example, you may file a claim for money you spent to place credit freezes after the breach, or hire someone to help you deal with identity theft. The settlement has a larger pool of money for people who had those expenses. If you’re one of them, use your documents to submit your claim.

Jason
July 31, 2019

En respuesta a por FTC Staff

You are missing the point. 147 million people were affected. Yet only $31 million allotted for the $125 cash payment. That is enough for 248,000 people then it is gone. 248,000 is less than 1 percent of the 147 million people. Why are the states, D.C, and PR splitting $175 million? Did their data get compromised? Why pay the CFPB $100 million? That money could be given to the PEOPLE. That $306 million would increase the number of $125 payments available to 2,448,000. which would still only be 1.7% of the 147 million affected.
rosssmiller
August 02, 2019

En respuesta a por FTC Staff

Question: once you've filled out the form, if you're harmed by the breached information in the future, can you still apply for these reinbursements? Or have you waived that as soon as you fill out the settlement form? The fact that our SSOs are public information now isn't something that only affects us for two years.
FTC Staff
August 05, 2019

En respuesta a por rosssmiller

Under the settlement, every person (including people who do not file a claim) can get free help recovering from identity theft for at least seven years. If you find out that someone misused your personal information, in the future, you can call the company that is managing the settlement at 1-833-759-2982. The company will tell you how to get the free identity restoration services.

 

Frustrated
July 31, 2019

En respuesta a por A Victim of Id…

Yes, if all of the 176M filed for money, it would only amount to $0.18 cents. RIDICULOUS. Why advertise $125 when it is false. And beyond that, many of us DO already have monitoring- my bank provides it to me at no cost. I should NOT have to do more research and find MORE information for you to prove I have it. If I'd rather have a payout, it should be simple. I have spent enough time on this process as it is, only to get a laughable amount what was first requested. But If I had saved receipts and paid out money then there is a LOT more there for me. RIDICULOUS. Typical FTC.
Sully
July 31, 2019
Yesterday I was told I will $125.00. Today I am told I will get nowhere near that amount. I just find it hard to believe the FTC could do this.
username
July 31, 2019
this is a slap in the face. equifax needs to be liquidated.
Kathleen Reed
July 31, 2019
I had the credit monitoring initially after the problem was identified, but I am not sure if I still have it. After the data was exposed, I received a report from each of the agencies as suggested, and I froze the accounts. Then I promptly paid off my one credit card in full and cancelled any credit accounts I had with retail stores. Is there any reason to have credit monitoring if I froze and cancelled all accounts? I would rather have cash and never have anything to do with any of these agencies again.
fishinfoo
July 31, 2019
Can anyone explain how the purported $575MM suddenly evaporated leaving just $31MM to pay claims? Something just doesn't smell right here.
FTC Staff
July 31, 2019

En respuesta a por fishinfoo

This FTC press release has more details about the settlement:

Equifax to Pay $575 Million as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

The press release explains that, as part of the proposed settlement, Equifax will pay $300 million to a fund that will provide affected consumers with credit monitoring services. The fund will also compensate consumers who bought credit or identity monitoring services from Equifax and paid other out-of-pocket expenses as a result of the 2017 data breach. The company also has agreed to pay $175 million to 48 states, the District of Columbia and Puerto Rico, as well as $100 million to the CFPB in civil penalties.

Learn more about the settlement at www.EquifaxBreachSettlement.com in the FAQs.

E.
July 31, 2019

En respuesta a por FTC Staff

Frankly, no one wants credit monitoring services from a company that can't protect their information. Divert the money from the "credit monitoring" fund to give people cash. Make it right with the consumers. Equifax is getting off too easily. Shame on you, FTC. Do right by Americans and stop protecting this business.
Equifax got off easy
July 31, 2019

En respuesta a por FTC Staff

Do consumers have the option of preserving their right to sue in the event they fall victim to identity theft in the future? I don't agree this resolution is sufficient and do not wish to waive my rights here.
I'm Me
July 31, 2019

En respuesta a por FTC Staff

Seems to me that if the settlement monies were designated to monitoring versus cash in the wrong proportions given what consumers want or need, then the allocation of funds in the settlement should be changed to provide more to the cash option. The actual data breach happened two years ago and is just one of many, did the FTC honestly think that most people aren't already monitoring their credit??
seriously disa…
August 02, 2019

En respuesta a por FTC Staff

So the $300 million is essentially going to Experian to cover the costs of the service?! Because that seems to be the implication. People are really losing out on this considering many already have credit monitoring plans as a result of other frequent breaches. This was handled incredibly poorly and the real winner seems to be Experian NOT the consumer.
FTC Staff
February 04, 2020

En respuesta a por seriously disa…

The $300 million will cover more than the cost of four years' enrollment for people, including identity theft insurance and full identity restoration service. It will also cover alternative reimbursement payments to people of up to $125, claims for out of pocket losses, and more. Read the Complaint for details. 

ilyanep
July 31, 2019
Maybe everyone submitting claims already has credit monitoring from the last ten companies that have leaked their data without consequence.
Joe Blow
July 31, 2019
If the number of claims for cash reimbursement for this data breach has exhausted the $31M allocated in the settlement, perhaps the FTC should have pushed for a larger amount?
MADDY
July 31, 2019
I already have paid monitor service with Experian and just renewed for another year a few weeks ago. I would like to go with the free security offer, what should I do now? Can I still opt for the free? Don't know if Experian will reimburse me I will have to call them.
Upset Consumer
July 31, 2019
Then it sounds like the settlement needs to be increased! We victims have a right to our legitimate claims. Make them pay. This is total BS.
helenadworkiewicz
July 31, 2019
the data breach destroyed my credit credit report my life is not the same any more my macys account destroyed amazon account destroyed my capital one account destroyed i dont want any more credit card in my life is destroyed
EquifaxIsAJoke
July 31, 2019
How about free credit monitoring AND the measly $125 compensation? If Equifax can buy and sell our data without consent and then lose it into the ether due to poor security protocols, it's the least they can do. Slaps on the wrists don't encourage these crooks to make any significant reforms to the way they handle our data.