Author Topic: Equifax hacked  (Read 756 times)

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Dolemite73

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Re: Equifax hacked
« Reply #15 on: September 14, 2017 01:31:49 AM »

fisthardcheese

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  • They forced arbitration into your contract. Use it
Re: Equifax hacked
« Reply #16 on: September 14, 2017 05:33:49 AM »
I am considering challenging their new arb exclusion in arbitration.  They added an exclusion to their own neglegent actions after the fact. Not to mention I have previously been a member of their monitoring service and ordered credit reports through their website, so I am a party to the agreement before the exception was added.
11 Arb Settlements (9 AAA, 2 JAMS)
3 JDB Suits Dismissed With Prejudice (2 pro-se, 1 consumer atty)
3 TCPA Settlements (2 pro-se, 1 consumer atty)
2 FCRA Settlements (consumer atty)
1 FDCPA Settlement (w consumer atty)
1 Small Claims Win (pro-se; Landlord/state consumer law violations)
1 State UDAP Settlement (ITS)
1 Federal PTC Settlement (before hearing; pro-se)

kevinmanheim

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Re: Equifax hacked
« Reply #17 on: September 14, 2017 10:44:43 AM »
I am considering challenging their new arb exclusion in arbitration.  They added an exclusion to their own neglegent actions after the fact. Not to mention I have previously been a member of their monitoring service and ordered credit reports through their website, so I am a party to the agreement before the exception was added.
This.

I doubt you would need to challenge it, anyway.

I would file the arb case and wait for their attorney to contact me.

Dolemite73

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Re: Equifax hacked
« Reply #18 on: September 14, 2017 12:31:53 PM »
Found this on an older arbitration from 2014:

Continuation. This arbitration provision shall survive: (i) the termination or changes in the Terms of Use or the relationship between You and Us, including but not limited to the purchase of a new or additional Product by You; and (ii) the termination or changes in Our providing any Product(s) to You.

Gotta love survivability clauses.  I just filed my case. 

rebuilder2006

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Re: Equifax hacked
« Reply #19 on: September 15, 2017 03:27:35 AM »
So what are people on here, ones who the Equifax site says may have gotten their information stolen, doing?


duh

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Re: Equifax hacked
« Reply #20 on: September 17, 2017 01:22:09 PM »
So what are people on here, ones who the Equifax site says may have gotten their information stolen, doing?

From everyone I have talked to it seems "everyone" may have gotten their info stolen.

After they said you can do the freebie monitoring I signed up as did others I know.

I am waiting to find a class action I can join.

I am too out of practice to do anything on my own anymore.
I am not an attorney. My posts about my experiences are for entertainment and  possibly educational purposes only.

If you need legal help, you should seek legal counsel.

fisthardcheese

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  • They forced arbitration into your contract. Use it
Re: Equifax hacked
« Reply #21 on: September 17, 2017 06:14:06 PM »
From everyone I have talked to it seems "everyone" may have gotten their info stolen.

After they said you can do the freebie monitoring I signed up as did others I know.

I am waiting to find a class action I can join.

I am too out of practice to do anything on my own anymore.

"Everyone" is correct.  The number is 150 Million people affected.  There are 300 Million in the USA population.  If you remove children, non-citizens and people with no credit/job/off the grid, that essentially leaves 150 Million. So, literally, everyone that Equifax ever obtained information on.
11 Arb Settlements (9 AAA, 2 JAMS)
3 JDB Suits Dismissed With Prejudice (2 pro-se, 1 consumer atty)
3 TCPA Settlements (2 pro-se, 1 consumer atty)
2 FCRA Settlements (consumer atty)
1 FDCPA Settlement (w consumer atty)
1 Small Claims Win (pro-se; Landlord/state consumer law violations)
1 State UDAP Settlement (ITS)
1 Federal PTC Settlement (before hearing; pro-se)

kevinmanheim

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Re: Equifax hacked
« Reply #22 on: September 18, 2017 10:15:10 AM »

I am waiting to find a class action I can join.

You don't join a class action. You will be herded into one. Unless you opt out.

I would opt out and sue on my own.

If you stay in a class action, you may get $50 three years from now.

If you sue on your own, you may get actual, statutory and punitive damages that could amount to thousands.

hamsalad

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Re: Equifax hacked
« Reply #23 on: September 18, 2017 04:28:59 PM »
One thing to consider is filing now, rather than later.  With the number of lawsuits already filed and the number is certainly going to increase, it's likely these federal cases will be combined into a multi-district litigation scenario.  That will tie this up for a very long time.
"One simply sues when federal laws are violated."

kevinmanheim

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Re: Equifax hacked
« Reply #24 on: September 19, 2017 12:17:07 AM »
There's also a chance that this wave of litigation bankrupts EQ.

If that happens, all claims could be gone.


Dolemite73

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Re: Equifax hacked
« Reply #25 on: September 19, 2017 12:58:32 AM »
There's also a chance that this wave of litigation bankrupts EQ.

If that happens, all claims could be gone.
Which is why I files my arbitration last week. I don't see how EQ survives this. Seriously.

CleaningUp

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Re: Equifax hacked
« Reply #26 on: September 19, 2017 04:38:56 PM »

There's also a chance that this wave of litigation bankrupts EQ.



Don't discount their errors-and-ommissions insurance.  Given their exposure, I would guess that they pay a pretty penny for substantial coverage.

duh

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Re: Equifax hacked
« Reply #27 on: September 19, 2017 07:34:34 PM »
Another thought.

Is anyone freezing their CRA accounts..... the other 3?

I am not an attorney. My posts about my experiences are for entertainment and  possibly educational purposes only.

If you need legal help, you should seek legal counsel.

kevinmanheim

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Re: Equifax hacked
« Reply #28 on: September 19, 2017 08:14:17 PM »
Another thought.

Is anyone freezing their CRA accounts..... the other 3?
I would never leave my CRA reports unfrozen.

Do you leave your valuables on the front porch at night, hoping no one wanders by and takes them?

Freezing is a simple process. So is unfreezing.

duh

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Re: Equifax hacked
« Reply #29 on: September 19, 2017 09:00:41 PM »
I would never leave my CRA reports unfrozen.

Do you leave your valuables on the front porch at night, hoping no one wanders by and takes them?

Freezing is a simple process. So is unfreezing.

Thanks I have never done that... not even all those years ago when I had all the mess.

I will do so tomorrow.
I am not an attorney. My posts about my experiences are for entertainment and  possibly educational purposes only.

If you need legal help, you should seek legal counsel.

 

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