The Equifax Data Breach: What to Do

South San Francisco, CA    September 8, 2017  Submitted by Federal Trade Commission 

If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.

Here are the facts, according to Equifax. The breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the UK and Canada too.

There are steps to take to help protect your information from being misused. Visit Equifax’s website,

  • Find out if your information was exposed. Click on the “Potential Impact” tab and enter your last name and the last six digits of your Social Security number. Your Social Security number is sensitive information, so make sure you’re on a secure computer and an encrypted network connection any time you enter it. The site will tell you if you’ve been affected by this breach.
  • Whether or not your information was exposed, U.S. consumers can get a year of free credit monitoring and other services. The site will give you a date when you can come back to enroll. Write down the date and come back to the site and click “Enroll” on that date. You have until November 21, 2017 to enroll.
  • You also can access frequently asked questions at the site.

Here are some other steps to take to help protect yourself after a data breach:

  • Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting Accounts or activity that you don’t recognize could indicate identity theft. Visit to find out what to do.
  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.
  • Monitor your existing credit card and bank accounts closely for charges you don’t recognize.
  • If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.
  • File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.

Visit to learn more about protecting yourself after a data breach.

1 comment for “The Equifax Data Breach: What to Do

  1. Peggy Deras
    September 8, 2017 at 3:00 pm

    Thanks so much. This is good solid advice and much needed.
    I was a victim of the Equifax/T-Mobile data breach a couple of years ago.
    The thieves used the data from my T-Mobile application, stored at Equifax after they approved it, to file SIX fraudulent tax tax returns in my name. Three IRS and three California.
    The IRS caught the third one and questioned me about it. California didn’t catch any.
    Multiply that times the millions of people in that breach…This is many, MANY more.
    My credit reports had been frozen for years, so I wasn’t terribly concerned…until the IRS letter.

    Since then, I have demanded that ALL the entities that formerly identified me by my SSN stop! Not only stop, but delete the information from their databases and files.
    It’s been a real hassle. All I can say is: Nobody is better prepared for this than I am. Certainly not Equifax!

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