Under North Carolina law, businesses and state and local government agencies must give you notice
if your personal information has been compromised by a security breach.
Businesses and state and local government agencies must also report security breaches
to the Attorney General's Office. More than1,500 breaches that involved information about more than 4.3 million North Carolina consumers have been reported to our office since 2005.
What is a Security Breach?
A security breach happens when data or records containing personal information, such as Social Security numbers, bank account numbers or driver’s license numbers are lost, stolen or accessed improperly. This kind of information can be used by criminals to commit identity theft.
Being notified that your information was part of a security breach does not necessarily mean you’ll become a victim of identity theft. However, you are at a greater risk and need to take steps to protect yourself.
Step 1: Sign Up for Free Services
Some businesses or government agencies offer security breach victims a free service such as credit monitoring. While most offers are genuine, don’t provide private information without verifying that the credit monitoring service is legitimate.
Step 2: Notify the Credit Bureaus
Request a fraud alert from one of the credit bureaus. This tells banks and other creditors to take extra steps to verify your identity before issuing credit in your name. A fraud alert is free and will last 90 days unless you request an extended seven-year fraud alert and provide a police report
You’ll also get a free copy of your credit report, which you should review carefully.
To request a fraud alert, contact one of the three nationwide credit bureaus.
Step 3: Consider a Security Freeze
A security freeze
stops access to new credit in your name. Placing a security freeze prohibits credit reporting agencies from releasing any information about you to new creditors without your approval, making it difficult for an identity thief to use your information to open an account or obtain credit.
North Carolina consumers can now get free security freezes online. Identity theft victims who have filed a police report, their spouses, and consumers over the age of 62 can also get free security freezes by mail or phone. Other consumers can get security freezes by mail or phone for a fee.
Step 4: Monitor Your Credit
Continue to review your credit reports every few months. Your private information that was released in the security breach may not be used right away. You can request a free credit report
Notifying Law Enforcement
Most law enforcement will not issue you a police report until your private information is actually used by an ID thief. If you have any suspicion that your information is being used by a thief, contact local law enforcement immediately.