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Experian® Data Breach Resolution Capabilities

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As a law firm, who do you turn to when your client calls and says “We think we’ve had a data breach. What do we do?”

To learn more about how we can help your clients mitigate the potential negative impact of a data breach call
1 866 751 1323.

Experian® Data Breach Resolution Frequently Asked Questions

  • What is a data breach?
  • A data breach is an event that occurs when secure data is inadvertently released to, or accessed by, unauthorized individuals. Data breach incidents can include the loss or theft of data such as digital media, computer tapes, hard drives, and computers. Other instances include situations where data is compromised due to security measures being breached or the unapproved posting or sharing of sensitive data via email or to public Internet sites. Data breaches pose serious safety and security risks for organizations as well as for the individuals who could be affected by the data loss. Data breaches can be accidental but are often the result of theft with the intent of fraud.
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  • How can we protect our brand equity after a data breach?
  • In the face of a data breach, organizations have the opportunity to quickly implement sound decisions that will ultimately result in preserving brand equity and customer relationships. According to a Javelin whitepaper, data breaches can result in diminished customer confidence which in turn can affect your brand equity.1 The whitepaper also recommends that “The most effective way for an institution to demonstrate its sympathy and concern is to proactively offer complimentary fraud protection, in the form of identity protection services such as credit monitoring, fraud alerts, credit freezes and personal information monitoring services.”2
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  • How can we help protect our customers after a data breach?
  • The best way to protect your customers after a data breach is to respond proactively and swiftly. There are data breach best practices that can be utilized including but not limited to, customer communications, providing credit monitoring for those affected, and providing access to industry professionals such as Experian’s Fraud Resolution Agents for support.
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  • What steps do we need to take after a data breach?
  • Every State has specific notification laws so it’s recommended that organizations work closely with their internal legal department(s) and/or their external legal counsel.
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  • What is credit monitoring?
  • Credit monitoring is offered either on a single bureau or tri-bureau basis from Experian®, Equifax® and TransUnion®. Credit monitoring provides daily monitoring for authorized or unauthorized activity on a consumer’s credit report.
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  • What is a credit security freeze?
  • A credit security freeze, also known as a credit report freeze, file freeze or credit report lockdown, is designed to prevent a credit reporting company (Experian, Equifax or TransUnion) from releasing credit report information without a consumer’s consent. In order for information to be released from an account with a security freeze, the consumer must specifically request that it be removed.
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  • What is a fraud alert?
  • A fraud alert notifies potential credit grantors that they should verify a consumer’s identification before credit is extended in their name. Fraud alerts can be placed with one or all three credit bureaus; Experian, Equifax and TransUnion. Fraud alerts last for 90 days and can be renewed for 90-day intervals.
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  • How do data breaches happen?
  • Data breaches happen primarily due to lost or stolen laptops or computers and to system failures. System failures qualify as security measures of software applications that malfunction, credit card processing systems whose security systems fail or are breached, social engineering attacks and unapproved access to networks and other IT-related glitches where security measures are compromised. In some cases, they are a result of direct criminal activity which targets an organization’s sensitive data.
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  • What is the potential business impact to an organization after a data breach?
  • Business implications of a data breach can be far reaching and long lasting. Based on the January 2009 “Fourth Annual US Cost of Data Breach Study” by the Ponemon Institute, the average cost of a data breach has risen to $202 per individual record from $197 in 2007. The potential business implications may be complex and can include: loss of customer loyalty; negative impact on brand equity; customer loss or attrition; litigation; negative media coverage; negative online consumer feedback; data loss; and regulatory and compliance pressure.
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  • Who is Experian?
  • Experian is a global credit information organization with corporate headquarters in Dublin, Ireland and operational headquarters in Nottingham, England and Costa Mesa, California. The company’s principal lines of business include credit services (Experian is one of the three credit bureaus, Experian, Equifax and TransUnion), marketing solutions, decision analytics and interactive services.
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  • What sort of data breach resolution support does Experian offer?
  • Experian offers industry-leading data breach resolution that can include: notification assistance, credit monitoring product fulfillment, live consumer assistance, fraud resolution assistance, and dedicated account management. To learn more about preventing fraud losses after a data breach, please contact us at: 1 866 751 1323 or databreachinfo@experian.com
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  • Does Experian offer support for a minimal data breach?
  • Yes, Experian offers support for companies that have experienced a data breach of 500 records or less. Contact a Data Breach Resolution professional at databreachinfo@experian.com or call 1 866 751 1323 to learn how we can help you.
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  • What am I required to do by law after a data breach?
  • Each State has differing regulations about the reporting and reimbursement for resolving a data security breach. In addition, if an organization touches customers across State lines, it may be subject to different requirements based on the location of the affected parties. Please check with your legal department or counsel regarding your legal obligations.
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  • As a law firm, how can I help my clients prior to a data breach or immediately after?
  • When your client experiences a data breach, one of the first phone calls that they may make is to you, their trusted legal advisor. Because one of the most critical aspects of addressing a data breach is immediate action, you want to rely on the swift expertise of quality data breach resolution professionals. Experian data breach resolution has helped numerous clients navigate highly sensitive data breach incidents. To learn more about how our data breach professionals can help your clients with a data breach or how to prepare against a data breach, contact our data breach professionals at: 1 866 751 1323 or databreachinfo@experian.com.
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  • How does Experian protect the information collected
  • Experian considers itself a steward of the information it collects, maintains and utilizes. Our responsibility is to ensure the security of the information in our care and to maintain the privacy of consumers through appropriate, responsible use. Experian uses a variety of security systems to safeguard the information we maintain and provide. We maintain physical security for our facilities and limit access to critical areas. We conduct approval processes before information Experian maintains can be accessed or changed.
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  • Do you provide services to monitor minors (those under 18 years of age)?
  • Typically children, or minors, won’t have a credit report until they have credit in their names. If a child does have a credit file, for instance if a parent has included them as a co-signer on a credit card, Experian can monitor the minor’s credit file. Please contact our data breach resolution professional if you would like to learn more about the special considerations of protecting your customers, employees or clients’ families including children under the age of 18. Data breach resolution professionals can be reached at: 1 866 751 1323 or databreachinfo@experian.com.
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  • Does Experian provide investigators to work with employees, clients or customers if identity theft is suspected? What services are provided?
  • Yes, if an employee, client or customer of yours becomes a victim of identity theft they will be assigned a dedicated Fraud Resolution Agent who will assist in performing the following activities if the situation warrants:
    • Notify creditors, government institutions, financial institutions with maintained accounts and all utility providers.
    • Place temporary 90 day or 7 year extended fraud alerts on credit reports.
    • Cancel current credit card and debit card accounts.
    • Dispute the fraudulent items with creditors.
    • Work with Law Enforcement or government agencies that may be involved to work towards a resolution.
    • Provide copies of all necessary letters to send to creditors, credit reporting agencies or others who may be involved in the process of reclaiming identity.
    • Review credit records to determine accuracy and potential areas of fraud.
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  • What are the credentials of the Fraud Resolution Agents?
  • Fraud Resolution Agents attend various seminars throughout the year and are FCRA certified. They are currently being enrolled in a new program to become Certified Identity Theft Risk Management Specialists.
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  • Are the Fraud Resolution Agents employees of Experian?
  • Fraud Resolution Agents are employees. We do not have a subcontractor for Fraud Resolution services.
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1 "Data Breach Response Best Practices-Prepared for Experian", Javelin Strategy & Research May 2009-
2 "Data Breach Response Best Practices-Prepared for Experian", Javelin Strategy & Research May 2009-

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