Calilfornia Lemon Law Rights • The Right to Have Accurate Credit Reports

Some Databreaches Are Worse than Others and How to Avoid Being a Victim

POSTED BY: Mark F. Anderson | Data Security Breach, News

Some Databreaches Are Worse than Others and How to Avoid Being a Victim CreditCards.com is great source of information on credit issues. A post today discusses data breaches of various descriptions and how each stacks up in terms of their impact on consumers. The authors first remind people that you are not your credit card–there’s a big difference between a risk or breach involving only one account and a breach that exposes one’s entire identity. But the risk increases when a breach extends beyond one card or account to include personal information such as your DOB and SSN. Scenario 1....

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Target’s Massive Security Breach Worse Yet

POSTED BY: Mark F. Anderson | Data Security Breach, News

Target’s Massive Security Breach Worse Yet Target’s data security breach involved millions customers, which may be some sort of record. Credit card and debit card data was lost. CreditCards.com blogger has a full report on the breach. Under federal law, consumers’ responsibility for unauthorized credit charges is limited to $50 and in most cases $0. Debit card fraud charges for lost or stolen debit cards are limited to $50 if you notify the bank within 2 days and up to $500 afterwards. However, if the physical card is not lost or stolen, the consumer is not liable for any fraud...

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AOB Files Databreach Case Against New York Life Insurance Co.

POSTED BY: Mark F. Anderson | Data Security Breach, News

In 2008, clients Jayni and Dan Fontaine applied for life insurance from New York Life Insurance Company. To be approved, they had to pass medical exams. As part of the exam process, they provided their personal identifying information. Their information and that of over 100 other persons went into a computerized database accessible by New York Life representatives. Two identity thieves in Sacramento then hacked into the database stealing the Fontaine’s personal information. The identity thieves ordered merchandise and opened accounts in the Fontaine’s names and others. Victims in Davis, California, complained to the police; after obtaining a search warrant,...

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California Improves its Data Security Breach Law

POSTED BY: Mark F. Anderson | Data Security Breach, News

As we all know, businesses collect identifying information on millions of consumers, which is stored in computerized databases. From time to time, hackers get into the system and steal the personal information. Or an employee loses a laptop containing such information. The thieves then use the personal information to open credit card accounts in consumers’ names. Or order merchandise using the consumers’ information. The result is identity theft on a large scale. In 2002, California enacted the first law requiring any business that experiences a breach of its security system such that names, addresses, credit card number or social security...

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