Thursday, May 12, 2022

Does Experian Ask For Your Social Security Number

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What Kind Of Information Was Impacted

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The impacted information may include full names, addresses, telephone numbers, Social Security numbers, drivers license information, passport information, financial information including bank routing and account numbers, health and related benefit information, disability information, and birthdates, as well as other personal information provided to UC. Information provided by students who participated in the 2020 University of California Undergraduate Experience Survey was also impacted and posted to the internet by the threat actor.

As a result of a thorough investigation, the University has identified individual community members whose information was impacted by the Accellion event and, as of June 30 and July 1, 2021, sent the appropriate individual notifications via Experian. UC community members are being notified via USPS mail where current physical addresses are available. If the University does not have a physical address, but does have an email address, it will send the notification via email. The University worked deliberately, while taking care to provide accurate information, as quickly as it could.

Why Are My New Alerts Not Available

Your Social Security number and new account alerts might not be available because:

  • Youve opted out.
  • Key information is mismatched or missing .
  • Your credit history is too new.
  • You opened your Discover Card account within the last 7 months
  • Your Discover Card account status is not in good standing.
  • You have a foreign address.
  • You have a credit freeze placed on your credit report.

What To Do When Your Ssn Has Been Stolen

If youve recently noticed suspicious activity suggesting that youre a victim of SSN fraud, then you should take action immediately. Beyond exploiting your personal information for financial gain, the thieves could also use it to block you out of important accounts so they can continue their illegal activities.

  • Keep an Eye Out for Suspicious Activity: First of all, keep an eye on your bank accounts. If you find suspicious transactions, flag and report them to your bank. The Office of Inspector General recommends checking your Social Security earnings statement to ensure the accuracy of your reported wages. They also suggest that you block electronic access to your Social Security accounts.
  • Freeze Your Credit, and Add a Credit Alert: If you know that your Social Security number has been stolen, you should take immediate action by freezing your credit and placing an alert on your credit. This will not stop bad actors from finding other ways to misuse your SSN, but it will alert government agencies and the three major credit agencies. To freeze your credit, contact the following credit agencies:Experian: call 1-888-397-3742. Also, see the fraud alert and page.TransUnion: call 1-800-680-7289. Also, see the fraud-alert and page.
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    Phishing And Vishing Identity Theft Scamsthe Experian

    You may have received an email like the one below that looks very authentic, like it came from Experian, or a phone call about the same subject. It is an attempt to get you to enter confidential information (typically a social security number, name, address, bank account information, etc., to allow the scammers to steal your identity and open credit cards in your name.

    This email was not sent by Experian Experian is a victim as well. This is referred to as spoofing or “vishing” . If you receive an email similar to the one below, DO NOT click on the link, and do not enter any information on the forms there.

    The website that the link leads to is a spoof a fake website, not created by Experian. It goes to https://experian.experiandirect.com/credit/login.aspx?nav=alt& cid=1099, not Experian! When you enter the information they ask for, you will simply be handing the thieves the keys to your bank accounts. That is how spoofing, phishing and vishing works.

    Remember, no reputable business would send you an email or a phone call requesting your personal account information. Any such email you receive asking for this information should be considered phony and brought to the attention of the business being ‘phished’.

    Anytime you need to go to a website for your bank, credit card companies or other personal, financial or confidential information do not follow a link in an email just type their address in your browser directly

    What Does It Mean To Set Up A Fraud Alert

    Scoreinc.com

    Fraud alerts can be placed on your credit reports for free, and there are two different types:

    • An initial fraud alert can be placed if you believe you are, or may become, a victim of fraud or identity theft. The fraud alert lasts for one year. If you want to keep it active on your credit reports, you’ll need to renew it after that time. When you or someone else attempts to open an account in your name or attempts to make changes on an existing account, such as increasing the credit limit, the lender or creditor must take reasonable steps to confirm you are who you say you are, such as through contacting you by phone at a number you provide, before completing the request.

    Placing an initial fraud alert also allows you to request a free copy of your credit reports every 12 months from the three nationwide credit bureaus, in addition to the one free copy from each credit bureau you’re entitled to under the Fair Credit Reporting Act.

    • An extended fraud alert can be placed if you are a victim of fraud or identity theft. It requires a copy of a valid police or law enforcement agency report or a Federal Trade Commission Identity Theft Report. An extended fraud alert is similar to an initial fraud alert but lasts for seven years. With an extended fraud alert, a lender or creditor is required to verify your identity in person or by phone at a number you provide before opening new accounts or making changes to existing accounts.

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    My Ssn Was Compromised What Should I Do Next

    University community members should remain vigilant against threats of identity theft or fraud. You can do this by regularly reviewing and monitoring your account statements and credit history for any signs of unauthorized transactions or activity. If you ever suspect that you are the victim of identity theft or fraud, you can contact your local police. You may also contact the credit reporting agencies to place a fraud alert or security freeze on your credit reports in the case of identity fraud or theft.

    Calling Experian To Talk To A Person

  • 1Dial 1-714-830-7000 to call the Experian corporate office. Experian doesnt technically have a customer support department, and the number listed on their website for customer service is simply an automated system for victim assistance. If you want to speak with a person, you can get personal assistance by dialing the Experian corporate office and getting redirected after their automated system cant find your information.XResearch source
  • The automated system will fail to find your information even when you enter it correctly, so dont hang up or get frustrated if the menu prompts fail to identify you.
  • This number will help you reach someone to assist you with your questions or concerns, but it is advertised on their corporate website as their office number.
  • The corporate office is available Monday through Friday from 8 a.m. to 5 p.m. PST.
  • 2Press 1 on your keypad if youre a consumer press 2 if youre a client or business. After dialing the corporate number, wait for the automated menu to finish presenting the menu options. Press 1 if youre a regular consumer. If youre calling on behalf of a business or have a professional relationship with Experian, press 2.XResearch source

    Tip: If you press 2, you are immediately redirected to a support specialist that services businesses and clients.

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    Consider An Identity Protection Service

    You can register with an identity protection service such as LifeLock, IdentityForce, or Identity Guard. Such companies charge fees that typically start around $10 a month. Banks and credit unions also have packages they sell to customers, as do major agencies such as Experian and TransUnion. Many of the best credit monitoring services also offer identity protection tools and services.

    How To Get A New Social Security Number

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    If you meet the criteria above, you can request a new Social Security number for free by following these steps:

    • Apply in-person at a Social Security office.
    • Complete the application for a Social Security card.
    • Provide a statement explaining why you need a new Social Security number.
    • Provide third-party evidence documenting your reasons for needing a new number.
    • Provide personal documentation, including your U.S. citizenship or work-authorization immigration status, age, identity and evidence of a legal name change .

    Once your application has been approved, you should receive your new number within 10 to 14 business days.

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    I Didnt Receive A Letter In Late June / Early July From The University Does That Mean My Data Wasnt Impacted

    Notices were sent to individuals whose personal information was impacted in the event and in certain other cases where appropriate, and where current contact information was available.

    Out of an abundance of caution, in April and May, the University notified community members whose personal information was potentially impacted before the analysis of the impacted data was complete. The University also provided these individuals one year of free credit monitoring and identity theft protection.

    How To Resolve Social Security Number Variations

    If, after reviewing the report, you believe the variations are due to credit fraud, you should contact Experian to notify us and to dispute the information. You can also visit our Fraud Center to learn how to respond to fraud and protect your credit information.

    If the variation does not seem to be the result of fraud, simply contact the creditor that reported the variation and ask them to correct their records. After the creditor updates its records, the new information will be reported to Experian and your credit report will be updated.

    If you are unsure as to which of your creditors reported the variation, you can call the toll-free telephone number provided on your credit report for additional assistance. If the variation is not associated with one of your accounts, Experian can delete it upon your request.

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    Q1: Do I Need To Tell You When My Experian Id Information Changes

    A: Yes – this is to make sure your personal details are as up to date as possible and is designed to protect you – so, for example, if you move house you should update your details. Well verify your new address, so please ensure that youve already updated your details with your bank, Voters Roll, utilities etc.

    How To Protect Yourself In The Future

    I signed up for Experian Boost. This is what happened ...

    Data breaches are often outside your control, but there are a few steps you can take to reduce your potential exposure beyond using a privacy scan.

    Running the Experian Personal Privacy Scan and monitoring your credit report can help you protect yourself after a data breach. Take action immediately if you notice anything strange. When you take proactive steps to protect your privacy, you minimize the risks related to data breaches.

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    Q: Why Havent You Been Able To Verify My Identity When I Applied To See My Experian Credit Score

    A: Due to the sensitive nature of the information we hold about you, we have a number of rigorous identity checks which are completed when you apply to see your Experian Credit Score. There are a few reasons which may stop us from being able to verify your identity for example:

    • There may be too little information held about you. For example, if youve recently moved house it can take a while for electoral roll records to be updated and for lenders and utility providers to update us with your new details.
    • You may have answered the verification questions incorrectly without realising. For example, you could have entered a nickname and not your full name.

    How Do You Speak To A Live Person At Experian

  • The Experian telephone number is 1-800-493-1058.
  • The first question the automated system will ask you for your social security number.
  • When prompted, choose option 2 for general questions about your credit.
  • Next, press 1 for questions about your credit report.
  • Next, press 1 again for questions about your credit report.
  • Next, press 1 and you will be directed to an Experian representative.
  • Experian also provides service via their website. You can create an account and manage your credit report and freezes at Experian.com.

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    What Happens If I Place A Freeze On My Credit File

    A security freeze will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent.

    However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.

    Pursuant to federal law, you cannot be charged to place or lift a security freeze on your credit report. Contact the three major credit bureaus directly to place a security freeze on your credit file.

    What Happens To My Credit Score If I Get A New Social Security Number

    What to Do If You need Help with Your Social Security Business

    Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

    If youve applied for a credit card or loan, filled out a rental application or tax forms, or had internet services installed at your home, youve used your Social Security number.

    Since your Social Security number is so closely tied to your credit history, you may be wondering if changing the number would affect your credit score. In short it shouldnt. Thats because the old and new numbers are cross-referenced to ensure your earnings history and other financial information is not lost.

    We explain what you need to know about changing your Social Security number, including if it can affect your credit score, what circumstances qualify you to get a new number, how to get a new number and more.

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    Warning Signs A Child Is A Victim Of Identity Theft

    • The child receives bills in his or her name
    • The child receive credit cards or pre-approved credit card offers
    • The child receive calls from collection agencies
    • A credit report exists in the childs name
    • The childs parent receives a notice from the IRS that their childs name and/or SSN is already listed on another tax return

    How To Run A Privacy Scan After A Data Breach

    Your name, your address, your emailthese might seem like boring facts from your day-to-day life, but to digital criminals they’re all valuable data points worth snatching in a data breach. And with these seemingly innocent details or even a stolen password or two, hackers can turn your digital and real life upside down.

    If you know or suspect that your information has been leaked as part of a data breach, there are steps you can take immediately to lessen the impact of the breach, including running a privacy scan. Here’s what you need to know.

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    Do I Need To Do Anything

    The University asks that its community members remain vigilant against threats of identity theft or fraud. Additionally, it is always a good idea to be on alert for phishing emails or phone calls by someone who acts like they know you or are part of a company that you may do business with, and who requests sensitive information, such as passwords, Social Security numbers, or financial account information. You may report suspected phishing or social engineering attempts to the following email addresses depending upon your campus:

    • UC Davis & UC Davis Health –
    • UC Irvine & UC Irvine Health –
    • UC San Diego & UCSD Health –
    • UC San Francisco & UC San Francisco Health
    • UC Santa Barbara –
    • UC Santa Cruz

    The University also recommends that you rotate passwords and use multifactor authentication for your online accounts when offered.

    The University is offering free credit monitoring and identity theft protection services through Experian IdentityWorks to the following groups:

    • Employees and their dependents
    • Retirees and beneficiaries
    • Current students and
    • Certain other individuals who participated in the Universitys programs

    These individuals were notified between May 12-14, 2021. An activation code was contained in the email. The former universal activation code may no longer be used for new activations.

    Q: Managing Your Experian Id

    I signed up for Experian Boost. This is what happened ...

    You can log in to Manage Your Experian ID to access a range of functions

    • Change your personal details e.g. when you move to a new address
    • Manage your credentials e.g. when you change your mobile number
    • Close your account. Theres a cooling off period to allow you to change your mind. When the Experian ID is closed it cannot be re-opened. Youd need to register again from new.

    Experian ID Helpdesk

    The Helpdesk is available for you to speak to an agent if you experience difficulties using your Experian ID or you lock yourself out of your Experian ID. The agent can also close your Experian ID on your behalf with no cooling off period.

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