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You filed a claim in the Equifax Data Breach Settlement and chose to receive free, three-bureau (Equifax, Experian, and TransUnion) credit monitoring from Experian for four years. According to a copy of the email that we reviewed, it read as follows:Įquifax Data Breach Settlement (Credit Monitoring Instructions and Activation Code) The email that began to be sent in late January 2022 provided a status update on the Equifax data breach settlement. (Photo by Smith Collection/Gado/Getty Images) The Email In 2017, the Equifax website provided steps for consumers to take following a security breach at the company. Anyone who chose to receive a check might eventually receive an amount much smaller than expected, as the "alternative compensation of up to $125" would "likely will be substantially lowered" to a "small percentage" of what was expected. In the end, both sides of the legal battle "agreed to a settlement after a lengthy mediation process overseen by a retired federal judge." That settlement allowed claimants to choose to receive a check or credit monitoring. Equifax denies any wrongdoing, and no court or other judicial entity has made any judgment or other determination of any wrongdoing. The most recent version of the lawsuit, which describes the specific legal claims alleged by the Plaintiffs, is available here. The consumers who sued are called the “Plaintiffs.” Equifax, Inc., and two of its subsidiaries are the “Defendants.” Plaintiffs claimed that Equifax did not adequately protect consumers’ personal information and that Equifax delayed in providing notice of the data breach. Customer Data Security Breach Litigation, Case No. These lawsuits are known as In re: Equifax Inc. District Court for the Northern District of Georgia is overseeing these lawsuits. Numerous lawsuits were brought on behalf of consumers whose personal information was impacted as a result of the Data Breach. consumers." This included "people’s names, Social Security numbers, birth dates, addresses, and in some instances driver’s license numbers, credit card numbers, or other personal information." The official settlement website documented the fact that in September 2017, Equifax was "the victim of a criminal cyberattack," giving the attackers "unauthorized access to the personal information of approximately 147 million U.S. The official website for the settlement was. Users who opted to receive credit monitoring instead of a check were sent activation codes in the new email for Experian IdentityWorks. Readers might remember making a claim in the settlement back in July 2019. This was a legitimate notice for a data breach settlement for Equifax. It promised a free four-year membership for the credit monitoring service Experian IdentityWorks. The email had the subject line, "Equifax Data Breach Settlement (Credit Monitoring Instructions and Activation Code)," and linked to the website, /equifaxsettlement. Here are some sample responses (click on the images to enlarge them).In late January 2022, Google users looked to Reddit and elsewhere to find out if an email for the status of the Equifax data breach settlement was a "scam or legit," as readers often do after receiving such notices. There is another pool of $31 million set aside for these claims, and the payout will be reduced for everyone proportionally depending on how many apply.” Again, the payments depend on how many people apply. But if you are hoping to collect $250, you may be disappointed. You can claim up to 10 hours without supplying supporting documentation. “In addition, you can seek reimbursement of $25 per hour for time spent dealing with the breach. ![]() “If more than 248,000 claims are approved – less than one-fifth of 1 percent of the 147 million consumers affected – claimants will get less than $125,” the paper reported. The FTC warns that the payout will likely be reduced if millions apply and claims exceed the $31 million cap reached in a settlement with Equifax.Ĭredit monitoring is a “far better value,’’ the FTC states, “because each person who takes the money option is going to get a very small amount.”Īccording to USA today, if the $31 million claims fund is drained, the amount each person gets will drop as the money is distributed proportionally. ![]() ![]() On its website today, the FTC is encouraging people to choose credit monitoring over a $125 payout, as a “far better value.’’ Information Security Awareness Program Guide.Comprehensive Guides on Key Security Topics.Train People and Create a Human Firewall.Prepare for and Manage Security Breaches.Direct Crypto Investigations & Compliance.Ensure Compliance with Laws & Standards. ![]() Familiar mechanics like failing sanity, eroded by the dark or looking at monsters, returns but this time contained within a much more coherent and enticing story. 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Surely it's just an action experience in Resi clothing? Leon Kennedy's adventures in gunplay are rightly famous, the feedback-heavy combat making every situation a shaky joy. ![]() So in Resident Evil 4, he invented the modern third-person shooting, just for fun. This is the series that invented modern survival horror, but that wasn't good enough for director Shinji Mikami. Platforms: PS4, Xbox One, Nintendo Switch, PC You'll laugh as much as you scream, if not more, and few horror games capture that sense of grisly fun so well. It's packed with winks to the slasher genre, and you'll still love the ridiculous twists even if you see them coming from a mile away. While many games on this list are here because of their fear-factor alone, Until Dawn earns a spot for more meta reasons, too - it's wilfully, soulfully entrenched in horror tradition, and uses those tropes brilliantly. But it's not all fun and games: the characters will die gruesome deaths if you can't navigate Until Dawn's horror movie logic, and it takes every opportunity to scare the bejaysus out of you. Or rather, Until Dawn (zing), a 2015 survival-horror game about a pack of randy teens going on vacation to an isolated mountain cabin, only to find that some heinous entity is set on killing them off. Teen slashers have been around for nearly four decades now, but aside from the abysmal Friday the 13th on NES, games haven't really been brave enough to venture into that territory. Taking on a group of enemies is challenging for all the right reasons: the encounters are well crafted, and the pistol-plus-flashlight combat combo is fun to use without making you feel invincible. Developer, Remedy is as famous for action as storytelling, and that comes to bear here, as simple, fluid controls do away with the stilted awkwardness that's characteristic of this genre. Maybe that sounds a bit mean, but you'd be hard-pressed to find a more enjoyable horror game than Alan Wake from a pure gameplay perspective. Its story unfolds like a thrilling TV miniseries, right down to the episodic structure that bookends each plot twist and revelation.Īlan Wake further distinguishes itself by, well, being a lot of fun to play. The dulcet tones of the night DJ rambling across the airwaves - mixed with the little vignettes you can catch on TV - make this town feel alive, like a character unto itself. ![]() That place is Bright Falls, a Twin Peaks-inspired mountain community with a terrible secret. But its sense of place and character is second to none. It doesn't trade in excessive gore or jump scares - in fact, it's not that scary on the whole. 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