Tag Archives: Experian

Experian API Exposed Credit Scores of Most Americans

April 28, 2021

Big-three consumer credit bureau Experian just fixed a weakness with a partner website that let anyone look up the credit score of tens of millions of Americans just by supplying their name and mailing address, KrebsOnSecurity has learned. Experian says it has plugged the data leak, but the researcher who reported the finding says he fears the same weakness may be present at countless other lending websites that work with the credit bureau.

Experian’s Credit Freeze Security is Still a Joke

April 26, 2021

In 2017, KrebsOnSecurity showed how easy it is for identity thieves to undo a consumer’s request to freeze their credit file at Experian, one of the big three consumer credit bureaus in the United States.  Last week, KrebsOnSecurity heard from a reader who had his freeze thawed without authorization through Experian’s website, and it reminded me of how truly broken authentication and security remains in the credit bureau space.

Confessions of an ID Theft Kingpin, Part I

August 26, 2020

At the height of his cybercriminal career, the hacker known as “Hieupc” was earning $125,000 a month running a bustling identity theft service that siphoned consumer dossiers from some of the world’s top data brokers. That is, until his greed and ambition played straight into an elaborate snare set by the U.S. Secret Service. Now, after more than seven years in prison Hieupc is back in his home country and hoping to convince other would-be cybercrooks to use their computer skills for good.

MyEquifax.com Bypasses Credit Freeze PIN

March 8, 2019

Most people who have frozen their credit files with Equifax have been issued a numeric Personal Identification Number (PIN) which is supposed to be required before a freeze can be lifted or thawed. Unfortunately, if you don’t already have an account at the credit bureau’s new myEquifax portal, it may be simple for identity thieves to lift an existing credit freeze at Equifax and bypass the PIN armed with little more than your, name, Social Security number and birthday.

Scanning for Flaws, Scoring for Security

December 12, 2018

Is it fair to judge an organization’s information security posture simply by looking at its Internet-facing assets for weaknesses commonly sought after and exploited by attackers, such as outdated software or accidentally exposed data and devices? Fair or not, a number of nascent efforts are using just such an approach to derive security scores for companies and entire industries. What’s remarkable is how many organizations don’t make an effort to view their public online assets as the rest of the world sees them — until it’s too late.

Credit Freezes are Free: Let the Ice Age Begin

September 21, 2018

It is now free in every U.S. state to freeze and unfreeze your credit file and that of your dependents, a process that blocks identity thieves and others from looking at private details in your consumer credit history. If you’ve been holding out because you’re not particularly worried about ID theft, here’s another reason to reconsider: The credit bureaus profit from selling copies of your file to others, so freezing your file also lets you deny these dinosaurs a valuable revenue stream.

In a Few Days, Credit Freezes Will Be Fee-Free

September 10, 2018

Later this month, all of the three major consumer credit bureaus will be required to offer free credit freezes to all Americans and their dependents. Maybe you’ve been holding off freezing your credit file because your home state currently charges a fee for placing or thawing a credit freeze, or because you believe it’s just not worth the hassle. If that accurately describes your views on the matter, this post may well change your mind.

Human Resources Firm ComplyRight Breached

July 19, 2018

Cloud-based human resources company ComplyRight said this week that a security breach of its Web site may have jeopardized sensitive consumer information — including names, addresses, phone numbers, email addresses and Social Security numbers — from tax forms submitted by the company’s thousands of clients on behalf of employees.
Cloud-based human resources company ComplyRight said this week that a security breach of its Web site may have jeopardized sensitive consumer information — including names, addresses, phone numbers, email addresses and Social Security numbers — from tax forms submitted by the company’s clients on behalf of employees.

Pompano Beach, Fla-based ComplyRight began mailing breach notification letters to affected consumers late last week, but the form letters are extremely vague about the scope and cause of the breach. Indeed, many readers who received these letters wrote to KrebsOnSecurity asking for more information, as the company hadn’t yet published any details about the breach on its Web site. Also, most of those folks said they’d never heard of ComplyRight and could not remember ever doing business with a company by that name.

Think You’ve Got Your Credit Freezes Covered? Think Again.

May 9, 2018

I spent a few days last week speaking at and attending a conference on responding to identity theft. The forum was held in Florida, one of the major epicenters for identity fraud complaints in United States. One gripe I heard from several presenters was that identity thieves increasingly are finding ways to open new mobile phone accounts in the names of people who have already frozen their credit files with the big-three credit bureaus. Here’s a look at what may be going on, and how you can protect yourself.