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Fraud Alert: Equifax Breach Information

Equifax Data Breach: Here’s What You Need to Know

Credit reporting agency, Equifax, released a notice of a data security event that may have exposed personal information, including Social Security numbers and other identifying information, of millions of Americans.

First Southern National Bank’s systems have not been compromised. This is a security event that occurred at Equifax. Nevertheless, we remain vigilant and are committed to protecting your information. We believe taking precautionary steps to ensure you remain protected is wise and we encourage you to take advantage of the tools and resources that are available to you.

Frequently Asked Questions

What happened?

On July 29, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017.

What information was involved?

Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. It is reported that Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. 

Was First Southern compromised?

First Southern National Bank systems were NOT compromised during the Equifax security event. We remain vigilant and are committed to protecting your information. We believe taking precautionary steps to ensure you remain protected is wise and we encourage you to take advantage of the tools and resources that are available to you.

What should I do?

Learn – Many resources are available online at First Southern’s website at https://www.fsnb.net/fraud. 

The Federal Trade Commission offers additional resources through their website at http://www.ftc.gov/bcp/edu/microsites/idtheft/ and https://www.consumer.ftc.gov/topics/identity-theft.

Alternatively, you may contact the Federal Trade Commission directly by mail or phone.

FTC Consumer Response Center

Room 130-B 600 Pennsylvania Avenue, N.W.

Washington, DC 20580

(202) 326-2222

Prevent – We encourage you to actively monitor your account activity for the next several months by reviewing your account statements to ensure there are no unauthorized transactions or suspicious activity occurring in your account. If you notice unauthorized transactions, you should report them to the bank immediately.

You should periodically obtain a copy of your credit report from each of the nationwide credit reporting agencies (Experian, TransUnion and Equifax). By federal law, you may obtain a free credit report annually from all three agencies. You may request a copy at http://www.annualcreditreport.com.

We recommend changing passwords for Online and Mobile Banking on a regular basis and for customers to take advantage of services such as card on/off and the recent login activity report. It’s also good to revisit and update your account-level security questions periodically. To update your security questions, you may call First Southern at 866-602-3762 or visit your local branch.

Act – If you suspect that you’re the victim of fraud or identity theft, you should report it immediately by calling the bank at 866-602-3762. We encourage you to consider the checklist from https://www.identitytheft.gov/Steps, the federal government’s one-stop resource for identity theft victims. This site provides streamlined checklists and sample letters to guide you through the recovery process.

First Class Checking account holders have 24/7, 365 days per year access to qualified Identity Theft Restoration Privacy Advocates who will provide comprehensive, personalized recovery services to restore your identity and prevent future incidences of identity theft. To access this benefit, visit the First Class Benefits website at https://www.fsnb.net/firstclassbenefits and login using the First Class Benefits credentials you received at account opening. Alternatively, you may call member services at 888-424-4186.

What is Equifax doing to address the breach?

Equifax took steps to stop the intrusion and engaged an independent cybersecurity firm to forensically investigate and determine the scope. Equifax also engaged the cybersecurity firm to conduct an assessment and provide recommendations on steps that can be taken to help prevent this type of incident from happening again.

Equifax has established a dedicated website, https://www.equifaxsecurity2017.com, to help consumers determine if their information was potentially impacted by this incident. If you choose to continue, you will be prompted to provide Equifax with your last name and last six digits of your Social Security number.

Equifax is also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. This offering, called TrustedID Premier, includes 3-Bureau credit monitoring of your Equifax, Experian and TransUnion credit reports; copies of your Equifax credit report; the ability to lock and unlock your Equifax credit report; identity theft insurance; and Internet scanning for your Social Security number – all complimentary to U.S. consumers for one year. To find out more information on this complimentary offer and to sign up, visit https://www.equifaxsecurity2017.com.

For more information, you may contact Equifax at 866-447-7559.