As you may be aware, on September 7, 2017, Equifax, one of the three major credit reporting agencies, announced that a cyberattack resulted in a data breach compromising confidential customer information (including social security numbers) of 143 million customers. While the full scope of the impact is not yet known, and specific connections to Capital Bank customers are not available at this time, we do anticipate that there will be impact to some customers.
Equifax will not be contacting everyone who was affected, but will send direct mail notices to those whose credit card numbers or dispute records were accessed.
Frequently Asked Questions
I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Was my information stolen?
If you have a credit report, there’s a good chance it was. You can check to see if you have been affected by the breach by visiting www.equifaxsecurity2017.com and clicking on the ‘Potential Impact’ tab. You must enter your last name and the last six digits of your Social Security number. Once submitted, you will receive a message informing you of the status of your information. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.
How can I protect myself?
Should I place a credit freeze on my files?
Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.
How do I contact the three major credit bureaus to place a freeze on my files?
Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.
As always, Capital Bank will work with customers if instances of fraud are identified on a Capital Bank account, whether they are related to the Equifax data breach or not.
Should you have any questions or concerns, please contact us at 800.639.5111.