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> “On the very rare occasion where we confirm misuse of TLOxp, we coordinate with law enforcement to help prosecute those responsible,” TransUnion added. This
by michaelt 3y ago
> “On the very rare occasion where we confirm misuse of TLOxp, we coordinate with law enforcement to help prosecute those responsible,” TransUnion added.
This is categorically false.
I've had transunion hand my entire credit report over to hackers who had nothing but public information, and transunion absolutely do not give a shit.
- tromp 3y agoI hope you can coordinate with law enforcement to help prosecute those at TransUnion responsible...
- megabless123 3y agolaw enforcement largely do not care either
- e40 3y agoLargely? They give absolutely zero shits.
- Consultant32452 3y agoThey really enjoy laughing at you.
- dixie_land 3y agoSo in a sense they do care :)
- jmprspret 3y agoPut some of their names into these services. Cops, feds. Lookup some high-profile court cases, see if you can get names of witnesses. Now let's see if they care.
- wmf 3y agoIf they start to care they'll shoot the messenger which in this case is you. Don't poke the bear.
- Eisenstein 3y agoThis is why someone who has a large stage should do it, like a journalist or a performer or a politician. They can't come after them without Streisand effecting it.
- tiffanyg 3y ago"Well, they forced my hand, I'm going to call the police..." https://youtu.be/lehmQ5mUveg?t=20s https://youtu.be/lehmQ5mUveg?t=20s
- gottorf 3y agoIf you have the means, perhaps a civil suit against TransUnion for their tortious actions is appropriate. Of course, it's a gigantic hassle.
- adolph 3y agoOr "small claims" court: https://fairshake.com/transunion/how-to-sue/ https://fairshake.com/transunion/how-to-sue/
- hdb7u73eyd 3y ago[dead]
- jstarfish 3y agoYour grievance is misguided. Transunion can't do shit about some Belarusian teenager stealing your identity any more than anybody can indict them for deploying ransomware on government networks. The framework for prosecution of international cybercrime does not exist. Domestically, Transunion absolutely will shut down access to data furnishers who do not vet employees, in cases where an employee is bored and looking up their exes and random celebrities. It is a violation of the FCRA and subjects the bureau and the furnisher to fines. The bored employee scenario usually just results in termination but if there are other factors at play like identity theft/fraud, law enforcement absolutely gets involved. This rogue employee scenario is the mechanic I'm guessing is being exploited here, only it seems crowdsourced to obfuscate attribution (so one person isn't making hundreds of fraudulent requests that gets them noticed). This stuff happens at Equifax all the time too. People are always trying to look up Donald Trump, athletes and rappers in misguided attempts to see how much money they have or where they live. (Celebs have taken to getting around this by buying properties in relatives' names.)
- hanniabu 3y ago> Transunion can't do shit They can but they don't. There being no framework for prosecution doesn't mean it's impossible to not hand out data to anybody that asks with minimal info provided.
- michaelt 3y ago> Your grievance is misguided. I'm not sure what makes you think that, given you don't know any of the details involved. In my case, TransUnion received credit checks for me with dates of birth 1 Jan, 2 Jan, 3 Jan, 4 Jan and so on until they hit upon my date of birth, then a credit account was opened that same day, then later in the day a third party credit monitoring agency accessed my credit report and they were allowed to pass 'knowledge based authentication' using their knowledge of that credit account. I am completely sure TransUnion could have detected and foiled this incredibly obvious attack. I'm also completely sure they could have identified other victims of the same attackers and informed them, but they chose not to.
- 3y ago
- FFP999 3y agoI bet if there were meaningful consequences for sloppy custody of data (i.e. fines large enough to hurt, as opposed to the "LOL whoopsie doopsie have some free credit monitoring" nonsense), credit bureaus would clean up their act. I do not anticipate this happening anytime soon.
- polygamous_bat 3y agoExactly, what reason do they have for being more careful if there's nothing to lose and everything to gain for them?
- tornato7 3y agoFree credit monitoring for a year, then ato-renews at $89.99/yr after that. Oh, and to sign up for credit monitoring you have to share even more personal data with them, but they pinky promise not to lose it this time.
- hammock 3y ago>transunion absolutely do not give a shit. I'm sure they would respond to a subpoena if you were willing to work with an attorney
- ansible 3y agoThe GP would need to see if they have ever used any Transunion service. There is probably a click-wrap agreement that you can't sue for basically any reason. Maybe it will go to arbitration, where they won't do squat for regular people.
- Eisenstein 3y agoI mean, you can literally sue anyone for any reason. There is no agreement you can sign that could possibly stop you.
- nenaoki 3y agoThey even say so themselves; "on the very rare occasion where we confirm misuse." They're not saying anything about how much they care about or follow-up on confirmation.
- cwkoss 3y agoIt can be true if they intentionally never confirm any or even investigate potential misuse