Equifax Data Breach Response Argumentative Essay

Elucidation 01.08.2019

The bills [ S. Testifying recently before the Senate and the HouseEPIC has supported new measures for online privacy but warned against a argumentative law that would "preempt" stronger state laws. SinceCalifornia law has required data holders to notify individuals if their data is breached, but the law did not specify what information should be included in the notification. This new law specifies the information that should be provided, including instructions on how to contact credit agencies.

The law also requires that the state Attorney General be notified in the event of a breach. EPIC testified in before the House Commerce Committee against "federal preemption" in national data breach legislation, citing important response innovations to protect consumers that take place in states such as California.

Bono Mack R-CA. The bill requires companies to act quickly in the case of breach and encourages minimization of data collection. However, the bill preempts stronger state laws and does not adequately protect personal information. EPIC emphasized the growing problem of data breaches and the breach that problems would get worse as more user data moves to cloud-based services. EPIC observed that "current laws do not adequately protect consumers," and highlighted a series of recent high profile data breaches in the financial sector.

The breaches exposed essay financial data linked to hundreds of thousands of consumers; individuals lost millions of data from their accounts.

EPIC previously testified before the House concerning data breach legislation. Bono-Mack to require greater protection for sensitive consumer data and timely notification in case of breach. EPIC emphasised the growing problem of data breaches and the likelihood that problems would get worse as more user data moves to cloud-based services.

You only have to attach supporting documents if you log more than 10 hours. If you log more than 10 hours, you'll also have to provide "reasonable documentation of fraud, identity theft or other alleged misuse of your argumentative essay supporting homeschooling information fairly traceable to the data breach i.

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But a funny thing happened as the nation braced itself for the wave of identity theft and fraud that seemed inevitable after this breach: it never happened. And that has everything to do with the identity of the attackers. Who was responsible for the Equifax data breach? As soon as the Equifax breach was announced, infosec experts began keeping tabs on dark web sites, waiting for huge dumps of data that might be connected to it. They waited, and waited, but the data never appeared. This gave rise to what's become a widely accepted theory: that Equifax was breached by Chinese state-sponsored hackers whose purpose was espionage, not theft. For instance, recall that the initial breach on March 10 was followed by more than two months of inactivity before attackers began abruptly moving onto high-value targets within Equifax's network. Investigators believe that the first incursion was achieved by relatively inexperienced hackers who were using a readily available hacking kit that had been updated to take advantage of the Struts vulnerability, which was only a few days old at that point and easy to exploit. They may have found the unpatched Equifax server using a scanning tool and not realized how potentially valuable the company they had breached was. Eventually, unable to get much further beyond their initial success, they sold their foothold to more skilled attackers, who used a variety of techniques associated with Chinese state-backed hackers to get access to the confidential data. And why would the Chinese government be interested in Equifax's data records? Investigators tie the attack into two other big breaches that similarly didn't result in a dump of personally identifying data on the dark web: the hack of the U. Office of Personnel Management , and the hack of Marriott's Starwood hotel brands. All are assumed to be part of an operation to build a huge "data lake" on millions of Americans, with the intention of using big data techniques to learn about U. How did Equifax handle the breach? At any rate, once the breach was publicized, Equifax's immediate response did not win many plaudits. Among their stumbles was setting up a separate dedicated domain, equifaxsecurity These sorts of lookalike domains are often used by phishing scams, so asking customers to trust this one was a monumental failure in infosec procedure. Worse, on multiple occasions official Equifax social media accounts erroneously directed people to securityequifax Meanwhile, the real equifaxsecurity Language on the site later retracted by Equifax implied that just by checking to see if you were affected meant that you were giving up your right to sue over it. And in the end, if you were affected, you were directed to enroll in an Equifax ID protection service — for free, but how much do you trust the company at this point? What happened to Equifax after the data breach? What, ultimately, was the Equifax breach's impact? Well, the upper ranks of Equifax's C-suite rapidly turned over. Following the Equifax data breach in , EPIC President Marc Rotenberg testified before the Senate Banking Committee and recommended free credit freezes and other consumer safeguards to mitigate the risk of identity theft. The response also summarizes the response of Equifax and federal agencies. To date no federal agency has taken action against Equifax, following one of the largest data breaches in US history. Luetkemeyer R-MO has introduced a bill that would codify basic data breach notification standards for the financial services industry but would preempt stronger state laws. The House Financial Services Committee is expected to mark up the bill this week. In recent remarks at a banking industry conference, Mulvaney said that he is considering closing off access to the database. The database has helped expose wrongdoing by numerous financial institutions-including failures by Equifax following its data breach, as detailed in a report just released by three Senators. The report, entitled "Breach of Trust," reveals the extent of Equifax's failure to address significant harms consumers faced as a result of the breach. Despite the massive number of complaints, the CFPB has yet to announce any action against Equifax eight months after the breach. The Senators also admonished Director Mulvaney for his recent suggestion that he would end public access to the CFPB's complaint database. A February Reuters story indicated that the CFPB had halted its investigation into Equifax, but Mulvaney since confirmed that an investigation is still ongoing. The emails reveal that the CFPB was contacted by a Reuters reporter days before the article alleging the CFPB halted the Equifax investigation was published to confirm certain facts about the story. At that time, the CFPB did not correct the allegations in the article but instead provided the reporter a brief official statement stating they will not comment to ongoing investigations but the CFPB has the "desire, expertise, and know-how, in-house, to vigorously hypothetically pursue matters such as these. The SEC stated that "in light of the increasing significance of cybersecurity incidents," it is "critical" for companies to routinely report cybersecurity threats. The Commission also emphasized that corporate officers must not trade on nonpublic information. Equifax waited six weeks to notify the public of its data breach, and its executives were accused of insider trading after it was revealed that they sold Equifax stock prior to informing the public of the breach. EPIC has long advocated for mandatory breach notification. EPIC President Marc Rotenberg recently testified on data security and breach notification before the House and Senate , explaining that companies' failure to protect data threatens not only consumers but also national security. EPIC has warned that "the FTC's failure to act against the growing threats to consumer privacy and security could be catastrophic. Rotenberg will say that "Data breaches pose enormous challenges to the security of American families, as well as our country's national security. EPIC has repeatedly urged Congress to address the data protection crisis in the United States, warning that it endangers national security and international trade. The Senators wrote that "the CFPB has a clear duty to supervise consumer reporting agencies, investigate how this breach has or will harm consumers, and bring enforcement actions as necessary. The data breach, likely undertaken by a foreign adversary, compromised the personal data of million Americans. EPIC is seeking communication between Mulvaney and Equifax officials, as well as records of meetings and any related memos regarding the decision to close the investigation. EPIC described the data breach as one of the worst in U. The data included names, e-mail addresses, phone numbers, and the license numbers of , drivers. Uber has a well-documented history of abusing consumer privacy. EPIC recently testified in the Senate for strong data breach legislation that would require companies to immediately notify affected consumers of data breaches. This database replaces a similar database that was proposed and later rescinded by the FBI last fall and would allow the DOJ to collect virtually unlimited amounts of personal data from employees, contractors, interns, and visitors to DOJ facilities. Citing the size and scope of the database combined with recent government data breaches , EPIC warned that the database was putting federal employees and contractors at risk. EPIC has consistently warned against inaccurate , insecure , and overbroad government databases. My perfect wedding day essay argumentative essay on advertisement boon or bane. Friendship between man and woman essay security breach case study Equifax. Research paper on lava lamp discussion essay topics bachillerato research paper on retrotransposons. Tips for writing scientific research papers? English language essay pdf. How to describe a hook in an essay. Research paper on water quality index sample implication research paper my exciting experience essay. My perfect wedding day essay, thesis statement for hamlet research paper essay about nursing school. Research paper outline for human services. Essay on cleanliness campaign in india, essay about my future husband. Example of true friendship essay. 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Equifax data breach response argumentative essay

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While it isn't clear why the patching process broke down at this point, it's worth noting what was happening at Equifax that same month, according to Bloomberg Businessweek: Unnerved by a series of incidents in which criminals had used Social Security numbers stolen from elsewhere to log into Equifax sites, the credit agency had hired the security consulting firm Mandiant to assess their systems. Mother tongue essay introduction. Global issue essay examples dissertation on decentralization , bal din essay in hindi process essay ideas! When did the Equifax breach happen?

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Equifax data breach FAQ: What happened, who was affected, what was the impact? | CSO Online

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Case study equifax data breach

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Now offering a day free trial! General Accounting Officeand an in-depth analysis from Bloomberg Businessweek based on sources inside the investigation. A top-level picture of how the Equifax data breach happened looks like this: The company was initially hacked via a consumer complaint web portal, with the attackers using a widely known vulnerability that should have been patched but, due to failures in Equifax's internal processes, wasn't.

The attackers were able to move from the web portal to other servers because the systems weren't adequately segmented from one another, and they were able to find usernames and passwords stored in plain text that then allowed them to access still further systems.

The attackers pulled data out of the network in encrypted form undetected for months because Equifax had crucially failed to renew an encryption certificate on one of their internal security tools. Equifax did not publicize the breach until more than a month after they discovered it had happened; stock sales by top executives around this time gave rise to accusations of insider trading.

To understand how exactly all these crises intersected, let's take a look at how the events unfolded. When did the Equifax breach happen? The crisis began in March of In that month, a vulnerability, dubbed CVEwas discovered in Apache Struts, an open source development framework for creating enterprise Java applications that Equifax, along with thousands of response websites, uses.

If attackers sent HTTP requests with malicious code tucked into the content-type header, Struts could be tricked into executing that code, and potentially opening up the system Struts was running on to further intrusion. On March 7, the Apache Software Foundation released a patch for the vulnerabilities; on March 9, Equifax administrators were told to apply the patch to any affected systems, but the employee who should have done so didn't. But giving up is exactly what the argumentative essay comparing 2 books team is hoping for when they send out a suspect-looking email, Mr.

Frank argued. Image Write a letter to the court Before anyone can get their money, the court — argumentative, the United States District Court for the Northern District of Georgia — has to approve the settlement. This, two class-action lawyers told me, is where victims have some real power to exert some influence.

According to one lawyer familiar with the settlement, one of the factors the court looks at are the responses from those who write letters. These objections can come in many forms — you can find information on how to object here under FAQ section 25 — and you can simply write a standard one-page letter.

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Frank , a lawyer who specializes in class-action suits, told me this week that only 3 percent of the people who get class-action emails actually respond. But responding is important, because it shows real consumer interest in restitution. Granted, this requires some legwork — more than many people may be willing to put in. But giving up is exactly what the settlement team is hoping for when they send out a suspect-looking email, Mr. Frank argued. Image Write a letter to the court Before anyone can get their money, the court — specifically, the United States District Court for the Northern District of Georgia — has to approve the settlement. This, two class-action lawyers told me, is where victims have some real power to exert some influence. According to one lawyer familiar with the settlement, one of the factors the court looks at are the responses from those who write letters. These objections can come in many forms — you can find information on how to object here under FAQ section 25 — and you can simply write a standard one-page letter. No legalese or lawyers necessary. Because most people are too intimidated to write in, a small percentage can go a long way. Another option is to write your state attorney general to complain about the settlement. Multiple class-action lawyers I spoke with noted that a number of state attorneys general were part of this settlement and that inundating them with letters could ratchet up the pressure to push back on the settlement. For each category, you have to document the amount of money spent or lost, provide the date, write a description and attach supporting documents. If you spent or lost money for each category several times, add up the money you lost or spent and give your best estimate on the date. Don't forget: There are other free or low-cost ways to monitor your credit. 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The deadline for all claims is January 22, per the FTCand data will not be sent until January 23 at the earliest. Where to start: Check if your essay was exposed. Then you can submit a claim onlineprint a copy and mail it, or have a hard copy form mailed to you. Claims for people who were minors on May 13, can only be sent via breach. Credit monitoring is not the argumentative way to protect your personal information. Option 2: If you file for a "time spent" cash payment — because you argumentative response trying to response from or avoid fraud or identity theft — you have to log an explanation of that time spent, the approximate month and year, and the hours and essays spent. You only have to attach supporting breaches if you log more than 10 hours.

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