I completed the request with specified damages from the breach. I recently received a letter saying my claim was denied as I had "failed to mail the documentation," however, there was no notice on the webform that I completed that required mailing the documentation.
Submit Your Claim in the Equifax Breach Settlement
151–160 of 210 posts
Re: Submit Your Claim in the Equifax Breach Settlement
#152I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.
+1, but also: I don't want their CEO to walk away free, and with a $20M severance and healthcare for life.
Re: Submit Your Claim in the Equifax Breach Settlement
#153Earlier quoted context omitted.
That's like when websites say I've opted into such and such just by visiting the website. It's a stretch to call something opt-in when it's unavoidable in modern life.
It's not like that at all. When you take out a loan or credit card you sign a legal document agreeing to all of the various terms. You don't sign anything when visiting a website.
It's not just loans and credit cards - it is also for insurance (home, auto), some utilities, and employment.
Re: Submit Your Claim in the Equifax Breach Settlement
#154I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.
> I want Equifax as a company to be dissolved for incompetency with private data
I want the system to be changed such that the burden of proof is on the lender that they actually interacted with the person they claimed they did. That is, if someone who is not you uses your information to get a credit card, then the bank loses their money for not following due diligence.
Re: Submit Your Claim in the Equifax Breach Settlement
#155Earlier quoted context omitted.
So your financial history is being tracked and scrutinized. At 41, you might be able to live and die without this being a big problem. In my 20s, I worry about my ability to secure healthcare and other such necessities in my later life based on a social credit score which includes financial credit history I never opted into. Just getting on a lease is enough for a credit pull. It's unavoidable.
It's easy to sign a lease with no credit history. At most they'll just ask for a bigger security deposit.
15-20 years ago, yes, absolutely. Maybe even 10.
Now, it's nearly impossible unless you want a slumlord.
Maximum security deposits are set by the state. In my state it's illegal to require more than two months rent as a security deposit. Security deposit is defined by statute, you can't just call it "rent prepayment."
Re: Submit Your Claim in the Equifax Breach Settlement
#156Is this spam on HN?
Re: Submit Your Claim in the Equifax Breach Settlement
#157Earlier quoted context omitted.
It's easy to sign a lease with no credit history. At most they'll just ask for a bigger security deposit.
15-20 years ago, yes, absolutely. Maybe even 10. Now, it's nearly impossible unless you want a slumlord. Maximum security deposits are set by the state. In my state it's illegal to require more than two months rent as a security deposit. Security deposit is defined by statute, you can't just call it "rent prepayment."
So everyone with bad or no credit is locked out of the rental market? That....doesn't make a lot of sense. Where are they living?
Re: Submit Your Claim in the Equifax Breach Settlement
#158It would become a legendary case study if this site turned out to be an information phishing site. (This one is legit but I expect it to happen someday. I'm surprised it hasn't already.) After all this site links to the law firm JND, but nowhere does JND mention this site. So any of us could have made this site. Use the form below to find out if your information was impacted and if you are a class member. Last Name _…
how do you know it links back to JND?
Re: Submit Your Claim in the Equifax Breach Settlement
#159Earlier quoted context omitted.
My mortgage company uses similar URLs that I always associate with scams. It's something like PayMyMortgage.com or something along those lines.
Is it https://yourmortgageonline.com/ ? That site looks super sketchy.
I've also had benefits through something like "mybenefitsportal.com" or something (made up, I forget the real URL).
I don't understand why companies do this. I completely understand that my health insurance is through "Empire Blue Cross Blue Shield" or whatever. So I expect to go to your corporate website and click "log in". If you think your website is so bad that it will damage your corporate brand... well maybe you should work on that.
If it's an SEO thing, that's also shady. If Bank A has "myonlinebillpay.com" and Bank B has "easyonlinebillpay.com"... how am I going to end up at the right one?
It makes me mad.
Re: Submit Your Claim in the Equifax Breach Settlement
#160I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.
> I want Equifax as a company to be dissolved for incompetency with private data I want the system to be changed such that the burden of proof is on the lender that they actually interacted with the person they claimed they did. That is, if someone who is not you uses your information to get a credit card, then the bank loses their money for not following due diligence.
> That is, if someone who is not you uses your information to get a credit card, then the bank loses their money for not following due diligence.
That's pretty much how credit card issuing goes, but the risk is not in someone stealing from a bank under your name, but rather your file now looking so bad that you can't legitimately get credit if you want it. I think what we want here is "the bank has to pay you money if they reject your credit card application / home loan because someone else hacked Equifax."
I doubt that will ever happen.