Equifax Breach Information

 

Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases.

 

To be clear, First National Bank of Moose Lake was not compromised and your information was not stolen from our bank. First National Bank of Moose Lake takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your First National Bank of Moose Lake accounts to us by calling 218-485-4441 and speaking to Denise, Marilyn or Kelly.

 

Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information, offers complimentary identity theft protection and credit file monitoring at www.equifaxsecurity2017.com.

 

First National Bank of Moose Lake also offers ID Theftsmart. An identity theft product that monitors your credit and includes restoration. Restoration is very important part of identity theft coverage. ID Theftsmart will assign you a fraud investigator to work on your behalf until all identity theft issues have been resolved.  Please contact Denise, Marilyn or Kelly for more information or to enroll.

 

To protect your identity and personal information, we strongly encourages our customers to take the actions noted below.

 

  • Review your account statements to spot any suspicious transactions. You can also monitor your account activity online at any time at www.firstmooselake.com with online banking.  If you are not currently enrolled with online banking, call First National Bank of Moose Lake to enroll.    
  • If you spot any suspicious transactions, please contact us immediately at 218-485-4441.
  • Consider if you should place an initial fraud alert on your credit report (see https://www.consumer.ftc.gov/articles/0275-place-fraud-alert).
  • Consider if you should freeze your credit file (see https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs).
  • Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report or visit www.annualcreditreport.gov.
  • Experian ®                            TransUnion®                                 Equifax®

    P.O. Box 9554                       P.O. Box 2000                        P.O. Box 740241

    Allen, TX 75013                  Chester, PA 19016                 Atlanta, GA 30374                        

    888-397-3742                         800-680-7289                         800-349-5191

    www.experian.com             www.transunion.com           www.equifax.com

  • You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559. According to a FTC blog, scammers are calling people and pretending to be Equifax in order to steal their personal information.Additional tips on avoiding similar scams can be found on the FTC’s website
  • “Stop. Don’t tell them anything. They’re not from Equifax. It’s a scam. Equifax will not call you out of the blue,” the FTC warns consumers.
  • Additionally, the Federal Trade Commission (FTC) is also warning consumers of a scam targeting potential victims of the Equifax data breach.
  • If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) at https://www.identitytheft.gov/ or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at https://www.consumer.ftc.gov/topics/privacy-identity-online-security.