Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.
Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.
I received a letter about an incident with an archive tape being lost with critical data. The letter offers a free subscription to Triple Alert. The site does ask for a Social Security number, birth date, etc. The letter provides a number to verify the issue, but how can I verify it separate from the letter?
Unfortunately security breaches do occur. In most instances they do not result in large numbers of identity theft. In this instance, it is quite possible that the data tape was simply lost and that it will not be used to commit fraud. However, businesses alert customers who could be affected so that they can take action to protect themselves.
Your question is a very good one. Here are a few tips for verifying the information for contacting Experian is legitimate:
Please note that there may be other information after the “.com” part of the address. This other information also is legitimate and is no cause for concern.
You should check your personal credit report at least once a year, whether or not you get a security breach notice. Doing so will ensure all of the information being reported is correct and could alert you to fraudulent activity.
Experian’s credit monitoring products provide notification when a change is detected on your credit report. Experian’s innovative protection products give you broad access to your credit reports, your credit score, and other tools that can help you better manage the risks associated with identity theft.
Thanks for asking.