5 ms·

Are you saying that merely by seeing if you were impacted, you are waiving your rights, even if you don't come back on the scheduled day to complete the enrollm

Are you saying that merely by seeing if you were impacted, you are waiving your rights, even if you don't come back on the scheduled day to complete the enrollment? That sounds ridiculous. Nowhere in the simple form that they provided is there any mention of waiving any rights. Nor is there one of those standard checkboxes about "I accept the terms.." when filling out that little form.

prklmn 9y ago
You don't need to worry. Equifax can say whatever they want in their BS terms, however no judge in their right mind would enforce such language barring you from joining a class action suit. If equifax sent out some sort of compensation check, and you cashed it, that's a different story.
- ams6110 9y ago
  I would not be so certain of the right-mindedness of judges if it were me.
  - KGIII 9y ago
    With this many people affected, it'd be political suicide to enforce such a claim - ideally. The ideally bit is because we may just have reached a point where judges no longer have to worry about doing the right thing.
lisper 9y ago
Not quite. They tell you you're impacted, then "helpfully" offer to sign you up for a service that will (supposedly) help to mitigate the damage. Buried in the TOS for that service is a clause that you give up your right to sue. It's a textbook scam.
- hellofunk 9y ago
  I received an enrollment date next week, but wonder if I do not follow through if I've already given up any rights. This whole thing is just weird.
  - lisper 9y ago
    "Weird" is not the adjective that I would choose. "Despicable" is more like it.
- cmurf 9y ago
  A friend also told me the TOS for the monitoring includes, by default, automatic renewal of credit monitoring for a fee after the free first year.
  - lisper 9y ago
    Why am I not surprised?
takeda 9y ago
Perhaps they were trying to do that, but after New York Attorney General mentioned that this can not be enforced, they updated their FAQ that this waiving is only for issues regarding to the service itself, it does not cover the data breach. So you should be ok, but frankly in this case the service is useless, it is only for one year, but the information is still valid after that. The minimum they should do is to remove all the fees for freezing/thawing the account and allow everyone to permanent freeze their accounts with ability to unfreeze whenever they need to open a new account. The sad thing is that they think the current solution is adequate. They do it this way because we are not their customers, we are their product. I would encourage to complain about this to your representatives. We could have much better protections about identity theft, have account frozen by default and without any fees. Have their credit checking services available for free. Sadly, the business is structured so they actually are making money when it is easy to open a credit line, even illegitimate one.

prklmn 9y ago

You don't need to worry. Equifax can say whatever they want in their BS terms, however no judge in their right mind would enforce such language barring you from joining a class action suit. If equifax sent out some sort of compensation check, and you cashed it, that's a different story.

ams6110 9y ago
I would not be so certain of the right-mindedness of judges if it were me.
- KGIII 9y ago
  With this many people affected, it'd be political suicide to enforce such a claim - ideally. The ideally bit is because we may just have reached a point where judges no longer have to worry about doing the right thing.

lisper 9y ago

Not quite. They tell you you're impacted, then "helpfully" offer to sign you up for a service that will (supposedly) help to mitigate the damage. Buried in the TOS for that service is a clause that you give up your right to sue. It's a textbook scam.

hellofunk 9y ago
I received an enrollment date next week, but wonder if I do not follow through if I've already given up any rights. This whole thing is just weird.
- lisper 9y ago
  "Weird" is not the adjective that I would choose. "Despicable" is more like it.
cmurf 9y ago
A friend also told me the TOS for the monitoring includes, by default, automatic renewal of credit monitoring for a fee after the free first year.
- lisper 9y ago
  Why am I not surprised?

takeda 9y ago

Perhaps they were trying to do that, but after New York Attorney General mentioned that this can not be enforced, they updated their FAQ that this waiving is only for issues regarding to the service itself, it does not cover the data breach. So you should be ok, but frankly in this case the service is useless, it is only for one year, but the information is still valid after that. The minimum they should do is to remove all the fees for freezing/thawing the account and allow everyone to permanent freeze their accounts with ability to unfreeze whenever they need to open a new account. The sad thing is that they think the current solution is adequate. They do it this way because we are not their customers, we are their product. I would encourage to complain about this to your representatives. We could have much better protections about identity theft, have account frozen by default and without any fees. Have their credit checking services available for free. Sadly, the business is structured so they actually are making money when it is easy to open a credit line, even illegitimate one.