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Equifax Faces Multibillion-Dollar Lawsuit Over Hack

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Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#631
post #595

Earlier quoted context omitted.

Is it really so hard? Cost of a service like Equifax's own TrustedID or LifeLocks is over $100/year. Seems you could easily argue that you'd have to subscribe to said service for the next decade to guarantee your credit and identity aren't stolen? (and I would think refusing to accept Equifax's "coupon" for TrustedID would be a similarly easy argument to make)

> to guarantee your credit and identity aren't stolen? there's no right to not having your identity not stolen tho. By this logic, shouldn't you _always_ have the identity-theft prevention service paid for already, regardless of what happened to equifax? I think you'd have to show _actual_ identity theft occurring with your name to claim damages.

No, now you need to sign up for identity-theft protection because Equifax handed all your info to the bad guys.

If it weren't for Equifax, anyone trying to use your identity would have a much harder time.

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#632
post #605

Earlier quoted context omitted.

Credit cards are great because if someone steals mine and makes fraudulent charges, they're stealing Chase's money, not mine. (In theory if someone steals money through your debit card you can get it back... in theory. I'd like to avoid ever having to find out how well this works in practice).

For which priviledge Chase charges you something obscene. The process post-theft on a debit card is not as scary as you seem to think it is, but that may be a EU vs US rather than credit vs debit thing.

Chase isn't charging me anything for the privilege. I have two credit cards with them -- one with a $0 fee and the other with a $450 yearly fee (but on which I earn way more than $450 in rewards points a year so it washes out).

They charge interest, but you don't pay any interest if you settle the full balance every month, which I always do.

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#633

Earlier quoted context omitted.

My SSN won't change for my lifetime, so really they need to pay that cost of monitoring. Equifax, you owe me $23,392.20. It's in your interest to pay upfront to avoid the cost of inflation.

> My SSN won't change for my lifetime This breach, I suspect, makes that less likely to be true. After all, one of the few reasons a new SSN can be issued to someone who has one is “A victim of identity theft continues to be disadvantaged by using the original number”. https://faq.ssa.gov/link/portal/34011/34019/Article/3789/Can...

It would be interesting to see how they define "continues to" and "disadvantaged by" here. It sounds like it may be implying that multiple occurrences of issues need to happen and just knowing that your data's been breached, but not yet abused, could be insufficient qualifications for "disadvantaged by".

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#634
post #340

Ok, so credit reporting agency collects sensitive personal and financial data on basically every adult American, loses it to a bunch of criminals and now I have to deal with the consequences? I looked into credit freezes yesterday. This is really a total scam. You have to _call_ each of the three agencies and pay a fee ($5 to $10) each time. If you need to unfreeze your report to make a legitimate credit application…

For NC residents, it's free to freeze your credit files:

http://www.ncdoj.gov/freefreeze

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#635
post #559

Earlier quoted context omitted.

This is actually how it's done in New Zealand. We have something called realme https://www.realme.govt.nz/ , which is made by New Zealand Post (our government post service, with the benefit of offices all over the country to do the initial ID verification for account setup) and the Department of Internal Affairs (they do things like births, deaths, marriages, passports, and citizenship, so they're used to dealing wit…

I'm a kiwi citizen too, and for some reason I thought you had to renounce your NZ citizenship to receive a US one; kind of neat to hear the opposite!

The parent poster might have dual citizenship by birth, which would be a different case than starting with only NZ citizenship and acquiring US citizenship later (or vice-versa).

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#636
post #421
post #239

Earlier quoted context omitted.

Time. I'm pretty old, retired, and have a few bucks. Time is my most precious commodity, and I prefer to give it to those who deserve it. I'm not sure how much I'd want someone to pay me for an hour of my time. Clearing up identity theft can take many hours. Those are hours I can spend bugging the missus, or even bugging you folks. I am clearly not to blame for their data exfiltration. Who is going to pay me for my t…

This has been hitting me hard lately. I'm pretty young at the tail end of my 20s, job is finally stable enough not to worry about money, and have really started to realize how few free hours I can find in a week. Work and its on call rotation, obligations to the girlfriend and social circles, maintenance on the house and cars, bills that don't have an auto pay option. Last month my auto registration sticker didn't sh…

They do it on purpose and have no intention of fixing their administrative inefficiencies. They know most people don't have the patience for this crap so that discourages people from creating a hassle for them with problem/things that they have to do.

For instance, in a past life I may call up to question a charge on my cable bill. Now that I have more money, I don't waste my time on such nonsense. If the cable company wants to charge me an extra $20 for no reason, they can do so, because it's not worth my time to call them up and get shuffled between departments for 2 hours.

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#637

Apologists please STFU you're making me sick. Everyone else, call your representative. You know how people say, "Pictures or it didn't happen?" Call your representatives and tell them what you think, or it might as well have never happened.

Your comment history is some of the worst stuff on HN and some of the best stuff on HN. Could you attempt to leave out the worst bits?

So many possible responses.

First of all, let me tell you I'm a lonely curmudgeon with no social life and about 1.5 friends. HN functions for me as a crude surrogate for socializing, in addition to its functions as a place to read about cool stuff, and yes, occasionally, a place to pop off and talk a little trash. I do try to contribute good stuff.

So understand that I'm being sincere when I say, thank you for taking the time to read through my comment history.

I also want to say that I do my best not to troll, and when I fail and people call me on it, I admit the mistake and apologize.

I was trolling you a little bit there in the other thread and I apologize.

Now then, as to leaving out the worst bits I don't think I can oblige you. In the first place, because my comments are sincere. I don't always phrase things in the nicest way, but I have a real point to make with a given comment or I would omit it. In the second place, what is the "decision algorithm" for "best" vs. "worst"? My point is, what you or I think are my best/worst comments may be totally different from what the next person thinks. I have had one comment moderated by dang once (and I was really embarrassed that he had to do it.) Other than that I pretty much stand by what I've said. There are a few comments I would delete if I could but that bird flew the coop long ago.

Consider the old saw about advertising, "Half of your ad budget is wasted, the problem is, no one can tell you which half."

That said, I take your comment to heart and I'll try to be less cranky on HN.

But I stand by the comment I made above (for example): Apologists for computer INsecurity make me sick. It's far past time to fix this mess. Related to that, the people who says "Oh I give a crap." but don't call their representative or something like that are basically part of the problem. If one person read my snarky shitty comment and made the call, it was worthwhile. As for all the people that read it and didn't pick up the phone, I want them to know they suck, just a little, because I'm mad at them. In fact, I'm mad at most people. We stand at the pinnacle of history. But everyone is busy driving and talking on their cellphones at the same time while meanwhile the Monarch Butterfly is going extinct right before our eyes! There may not be elephants in fifty years.

Okay, that's enough of that. Gotta calm down. ;-)

Now about that other thread, where I was kinda trolly, my point there was that Rational Materialist fundamentalism is still fundamentalism. I am a rational materialist. Physics is the "Word of God". Nevertheless, I have had personal experience that indicates that physics is contingent on consciousness. I'm not going to be able to offer any sort of scientific proof of that because the structure of the Universe precludes it. But it's true. It is a true statement that cannot be proven. Not even in theory.

There are hard limits to rationality, that a rational person must take account of to be rational.

Consider: you're hanging out somewhere discussing rationality, when suddenly into the room bursts a Mad Logician! He's got a bomb and he shouts, "Do something irrational right now or I'm gonna blow us all to kingdom-come!" What do you do? If you start hopping up and down on one foot that's irrational, but to do so to prevent the ML from detonating his bomb is rational! Maybe if you ignore him he'll just go away.

It's Russell's Paradox.

This sentence doesn't describe itself.

These words have no meaning.

Etc.

My quip about the square-root of two was meant to point out the fundamental nature of irrationality. Pythagoras is said to have killed the first guy to point out that two and the square-root of two are incommensurable. The "rational space" is a subset of the real space. There will always be places on the map marked, "Here be Dragons".

(Also, if you call shamans con-men be sure to make sure that none of them can hear you. ;-)

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#638

Earlier quoted context omitted.

Your comment history is some of the worst stuff on HN and some of the best stuff on HN. Could you attempt to leave out the worst bits?

So many possible responses. First of all, let me tell you I'm a lonely curmudgeon with no social life and about 1.5 friends. HN functions for me as a crude surrogate for socializing, in addition to its functions as a place to read about cool stuff, and yes, occasionally, a place to pop off and talk a little trash. I do try to contribute good stuff. So understand that I'm being sincere when I say, thank you for taking…

That's one for the book as well as the one about unicode and writing systems. To me the quality of a comment is something that indicates how well that comment will age over time, some comments retain their strength even years later and your unicode comment is an excellent example of one of those. It really opened my eyes and gave me some new insight into something that I had already considered dealt with years ago. So thank you very much for that.

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#639
post #32
post #17

I'd love to see the $70B number pan out (though $500 per person is less than the damages, I think) -- Equifax is a $17B company, and would presumably stop existing if that happened. On the other hand, these things always settle out of court, and Equifax certainly won't settle the suit for more than they're worth. I said it elsewhere, but I think the right response is to opt out of the class, and sue for $1000 in smal…

I saw your post about this in the other thread. If anyone wants to work together on this idea, my contact info is in my profile. If someone has a lawyer we can loop in (or is a lawyer), that would be ideal.

I am in the state of Kansas and will be filling out a small claims petition as well.

Re: Equifax Faces Multibillion-Dollar Lawsuit Over Hack

#640
post #421

Earlier quoted context omitted.

This has been hitting me hard lately. I'm pretty young at the tail end of my 20s, job is finally stable enough not to worry about money, and have really started to realize how few free hours I can find in a week. Work and its on call rotation, obligations to the girlfriend and social circles, maintenance on the house and cars, bills that don't have an auto pay option. Last month my auto registration sticker didn't sh…

They do it on purpose and have no intention of fixing their administrative inefficiencies. They know most people don't have the patience for this crap so that discourages people from creating a hassle for them with problem/things that they have to do. For instance, in a past life I may call up to question a charge on my cable bill. Now that I have more money, I don't waste my time on such nonsense. If the cable compa…

Last time a cable company charged me wrongfully (I wasn't even their customer anymore), I called my bank and had them reverse the charge, as well as block any future ones. Took me like 5 minutes. Now the only time investment I have is throwing their monthly threat letter in the trash about how they will cut my internet access if I don't pay up.
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