The news seems flooded with stories of a major data breach of National Public Data. This is significant because NPD is a consumer data broker. According to the Electronic Privacy Information Center data brokers:
“…collect and aggregate many types of personal information: names, addresses, telephone numbers, e-mail addresses, gender, age, marital status, children, education, profession, income, political preferences, and cars and real estate owned. Data brokers also collect information on an individual’s purchases, where they shop, and how they pay for their purchases.
“In addition, data brokers collect health information, the sites we visit online, and the advertisements we click on. And thanks to the proliferation of smartphones and wearables, data brokers collect and sell real-time location data.”
If you’ve ever wondered about Identity Theft, this is it. It’s essential to know with all that info, the hackers can sell your data. They may sell your whole file to a woman or man who can open accounts in your name, buy a car in your name, earn income in your name (that you will owe taxes on), or even get medical care, ALL IN YOUR NAME.
Consumer Data Brokers are an unregulated business. They can buy and sell your personal and private information without you even knowing they have it! Because they’re unregulated, there’s not a lot you can do about the data they already have. (Write to your Congressperson and Senator!) But there are things you can do to limit the damage.
Q: What is a data breach?
A data breach happens when hackers virtually “force” their way into corporate or government data centers. As hackers get more innovative, there will be more and more data breaches. Click for Wikipedia’s “List of data breaches“. (It is a little out of date.)
Q: What happened?
National Public Data had a security incident in December 2023. Brian Krebs states, “In April, a cybercriminal named USDoD began selling data stolen from NPD. In July, someone leaked what was taken, including the names, addresses, phone numbers, and in some cases email addresses for more than 272 million people (including many who are now deceased).”
You can read more on Snopes, Bleeping Computer, and UC Berkeley. There are many articles with sensational headlines and click-bait. Avoid those! In addition, a citizen in Florida filed a class action lawsuit.
Q: Does this data breach include my information?
Q: Should I freeze my account? What does that mean, and how will it affect me?
Experian has provided a good explanation about freezing and thawing your account:
“A credit freeze is a free service, guaranteed under federal law, that can protect you from credit fraud by limiting most access to your credit report until you lift it, or “thaw” your report. When your credit report is frozen, any lender who asks to evaluate your report for purposes of issuing a loan or other credit is denied access to the report. A security freeze won’t affect your credit scores, but it will prevent lenders evaluating credit applications from obtaining your credit scores.
“A security freeze prevents criminals from opening new credit accounts in your name, but it also blocks your legitimate credit applications. So, if you have a credit freeze in place, you’ll need to thaw your credit reports before applying for a new loan, credit card or other consumer credit.
“Once your application is processed, you can reinstate the freeze. Alternatively, you can use a temporary thaw to lift the freeze for a set window of time, such as one day or one week, after which the freeze will be reinstated.
“Credit freezes must be activated and lifted separately at each of the national credit bureaus. Procedures differ somewhat with each bureau, but all three enable requesting and lifting of security freezes online, by phone, and via postal mail. There is never a fee for applying or removing a credit freeze.”
Q: What do I do next?
Q: What about my email?
Q: Anything else?
- PC Magazine reviews Incogni
- Joshua Lowcock reviews OneRep
- PC Magazine reviews DeleteMe
- All Things Secured compares Incogni to OneRep
- All Things Secured compares OneRep to DeleteMe
- Security.org compares DeleteMe to OneRep
Conclusion:
Be very cautious about how and where you share your data, and secure your data via account freezing.
I’ve created a Free Report to protect you from “phishing” scams. Click here to receive it!
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