Equifax breach leads to legislation
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LINCOLN, Neb. (KGFW) - A Nebraska lawmaker says he plans to introduce legislation next year that would require credit agencies to provide free, lifetime credit monitoring when their data systems are breached.

State Sen. Adam Morfeld of Lincoln said Tuesday he will propose the measure in response to news that up to 143 million American consumers had their personal information exposed when credit monitoring service Equifax was breached.

The information exposed includes Social Security numbers, birth dates, addresses and in some cases driver's license numbers. Equifax has promised free credit monitoring for up to one year for those affected.

Morfeld says the company's response is insufficient.

In a letter to the public from the Nebraska Attorney Generals office, Doug Peterson says his office is actively working with multiple state Attorneys General to gather additional information from Equifax.

"Due to the number of consumer data breaches that have occurred over the last several years, it is imperative that Nebraska consumers be proactive in protecting their financial information. Because the Nebraska number is so high for those impacted by the Equifax breach, I would encourage everyone to act immediately to see if their identity information was part of the breach, and if so, take these recommended steps.”

Attorney General Peterson has this information for the public:

To see if your information was impacted in the breach, visit Equifax Security 2017. You will have to enter your last name and the last six digits of your Social Security number, after which Equifax will inform you if your information was involved in the breach. The website also has other information about the breach, including contact information for Equifax if you have additional questions. You can also call 866-447-7559.

If you are affected by this breach, Attorney General Peterson recommends you take the following steps:

• Closely monitor your credit report for suspicious activity. Visit annualcreditreport.com to get your free credit reports. Federal law requires each of the nationwide consumer credit reporting companies to give you one free credit report every 12 months if you request it.

• Actively monitor your financial statements. Promptly dispute any unauthorized charges.

• Consider placing a fraud alert or security freeze on your credit report. This prohibits a credit reporting agency from releasing any information from your credit report without written authorization and makes it harder for an identity thief to access credit in your name. For Nebraska residents, other than minors and those who are victims of identity theft, a $3.00 charge may be applied for placing, temporarily lifting, or removing a security freeze.

The following are warning signs that you may have fallen victim to identity theft:

• You are denied credit.

• You get a notice from the IRS about a tax debt that you do not believe is yours.

• You find charges on your credit card or withdrawals from your account that you don’t remember making.

• You suspect someone has fraudulently changed your mailing address.

• Your credit card bills stop coming.

• You get bills that aren’t yours.

• You find something wrong with your credit report, such as loans you didn’t take out or accounts you don’t remember opening.

• A debt collector calls about debts you don’t believe you owe.

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