In re: Equifax Data Breach Class Litigation


Information for Victims of Business Identity Theft

Resolving the problems associated with identity theft can be daunting. The following steps (suggested by government agencies, financial institutions, and the credit bureaus) may be helpful:

  • With regard to the Equifax situation, go to www.equifaxsecurity2017.com to check to see if your personal information was impacted by the Data Breach. Note: The website does not allow businesses to check to see if they were impacted by the Data Breach. To check your businesses’ credit report, purchase one from a credit bureau other than Equifax, because Equifax has previously required customers that purchase credit reports to waive their right to a jury trial and resolve disputes in a private arbitration forum. You will want to preserve your right to a jury trial against Equifax for damages caused by the Data Breach.

  • Immediately report the theft to all of all financial institutions with whom you have accounts as well as credit card provider(s).

  • Immediately report the theft to the credit reporting agencies: Equifax, Experian, TransUnion and Dun & Bradstreet.

  • Consider placing a credit freeze (sometimes called a security freeze) with each of the credit reporting agencies. A credit freeze provides more safety than fraud alerts and credit monitoring, but you will need to lift it temporarily whenever you want a third party to be able to check your credit – such as when you need a loan or a new credit card account. There should be no charge for placing or lifting a credit freeze necessitated by identity theft.

  • The credit bureaus can also put a "fraud alert" on your file that will tell creditors to contact you before they open any accounts in your name, and provide "credit monitoring services."

  • Consider contacting other business credit reporting bureaus. A list of some of the other top business credit reporting bureaus is available at http://bit.ly/bizcreditbureaus.

  • File a report with local law enforcement and your state Bureau of Investigation (in Georgia, the Georgia Bureau of Investigation).

  • Contact other creditors and billing companies to notify them of the identity theft.

  • If you are own a business that is on file with the Office of the Secretary of State, report the identity theft to them and correct any incorrect information on their website.

  • Keep notes of communications. Retain all relevant documents. Continue to monitor your accounts and credit report.


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