On October 29, 2024, Attorney General Keith Ellison provided guidance on how to respond if personal information is exposed in a data breach. This advice is part of the Scam Stopper series aimed at protecting Minnesota consumers from scams.
"Data breaches are becoming an unfortunately common occurrence in our highly connected world," stated Attorney General Ellison. He emphasized that while his office works to hold companies accountable for security failures, individuals must take steps to protect themselves after a breach.
Information stolen in data breaches can include sensitive details such as usernames, passwords, and social security numbers. Thieves often use this information to open unauthorized accounts or engage in phishing scams by pretending to be from the breached organization.
Ellison advised changing passwords on platforms like online banking and email if a breach occurs. He also recommended setting up two-factor authentication for added security.
To further protect against fraud, contacting one of the three credit bureaus to place a fraud alert is suggested. This requires creditors to verify identities before opening new accounts. Minnesotans can also place a free security freeze on their credit reports, preventing unauthorized access without written consent.
Monitoring financial statements for unusual activity and contacting financial institutions' fraud departments if suspicious transactions are detected was another recommendation.
Scammers may impersonate breached organizations or law enforcement agencies post-breach. Ellison urged consumers not to disclose sensitive information unless verified through trusted channels.
The Federal Trade Commission (FTC) offers resources for identity theft victims and can be contacted at (877) 382-4357 or www.consumer.ftc.gov.
Ellison encouraged reporting scams immediately to help prevent others from falling victim. Reports can be filed with his office online or by calling (651) 296-3353 or (800) 657-3787.
For more details on mortgage assistance scams, visit the Minnesota Attorney General's Office website.