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At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795

Authorities have now found two packages addressed to former Vice President Joe Biden that are similar in appearance and contain potential explosive devices that resemble the others sent earlier this week to prominent critics of President Donald Trump and CNN, a law enforcement official said Thursday.The two packages, discovered at Delaware postal facilities, were removed late Thursday morning, law enforcement officials said.Earlier Thursday, a suspicious package addressed to actor-director Robert De Niro was reported at the Manhattan building where his production company is based, and its marking and contents appear similar to the other pipe bomb packages, two law enforcement sources said.The FBI said Thursday morning that the three packages are "similar in appearance to the others."A manhunt is underway for the perpetrator behind the packages. Law enforcement authorities are treating the series of bombs as a domestic terror matter and are advising the public to remain vigilant.The motive is unknown, but the recipients are all prominent targets of right-wing criticism and, in many cases, of Trump himself. The package found at CNN's New York bureau in the Time Warner Center was addressed to former CIA Director John Brennan, city and local law enforcement officials said.Devices sent to former President Barack Obama, Hillary Clinton, former Attorney General Eric Holder, California Democratic Rep. Maxine Waters and Democratic donor George Soros showed the presence of a sulfur substance, which could have exploded, a law enforcement official said.The devices are believed to be pipe bombs, inherently unstable, and at risk of being set off just by handling.The FBI's counterterrorism division is leading the investigation Thursday into the packages and the agency says it's possible additional packages were mailed to other locations.At the White House, Trump vowed Wednesday that "we will spare no resources or expense" to pursue the perpetrator. 1975

ASHEVILLE, N.C. – A North Carolina city council unanimously approved a reparations resolution for its Black residents Tuesday.The Asheville City Council voted 7-0 to approve the resolution that formally apologizes for the city’s participation and enforcement of slavery. It also offers an apology for carrying out an urban renewal program that destroyed multiple, successful Black communities.While the resolution provides reparations to the city’s Black residents, it does not mandate direct payments. Instead, the legislation calls for investments in areas where Black citizens face disparities.The resolution, obtained by the Asheville Citizen Times and WHNS, calls for “forming policy and programs that will establish the creation of generational wealth and address reparations due in the black community…” It also encourages state and federal leaders to do the same.The resolution says the resulting budgetary and programmatic priorities may include, “increasing minority home ownership and access to other affordable housing, increasing minority business ownership and career opportunities, strategies to grow equity and generational wealth, closing the gaps in health care, education, employment and pay, neighborhood safety and fairness within criminal justice.”Councilman Keith Young, who spearheaded the initiative, told ABC News that the council was looking to “embed systemic resolutions.” As for a timeline, he said the council "will have some steps to report on within six months and every six months after that.” He added that the work does not end, and it will be adaptive.The Black community makes up about 12% of the city of Asheville, while 83% of residents are white, according to census data. 1721

Attorneys for the family of Breonna Taylor have agreed to a million wrongful death settlement with the city of Louisville, Kentucky, officials said in a press conference Tuesday.According to Ben Crump, an attorney for the family of Breonna Taylor, the settlement was the largest sum paid out to the family of a Black woman killed during an interaction with a police officer.In the settlement, the Louisville Metro Police Department also agreed to make several policy changes. Those policy changes include:Requiring a commanding officer to approve search warrants before a judge approves them.Implementing an "early warning" system to detect unnecessary use of force among officers.Operational changes regarding officers placed on leave.Implementing a program that offers housing credits to police officers to encourage them to live in the city limits.Offering officers an extra two hours of paid time for community engagement.Expanded drug and alcohol testing within the department.Louisville Mayor Greg Fischer said later that the city did not admit any wrongdoing as part of the settlement.Attorneys for Palmer's family thanked Fischer for his administration's work in reaching a settlement. But they also called on state officials to press ahead with charges against the police officers involved in the March 13 shooting that left her dead."It's time to move forward with the criminal charges," said Tamika Palmer, Breonna Taylor's mother.Ben Crump, an attorney representing Taylor's family and the families of victims several other high-profile police shootings, also called on Kentucky Attorney General Daniel Cameron to charge the officers involved, saying the officers should be charged "immediately, this week."Thursday's presser closed with some in attendance shouting chants of "say her name" and "arrest the cops."The settlement is the result of a wrongful death lawsuit filed by Taylor's family. Breonna Taylor was shot and killed when plain-clothes narcotics detectives entered her apartment to serve a warrant.Taylor's boyfriend, Kenneth Walker, says he fired a "warning shot" at the officers, thinking they were intruders. Officers then responded by firing dozens of bullets, leaving Taylor dead.Walker was later arrested and charged after an officer was injured in the shooting. Charges against Walker were eventually dropped.Walker has maintained that while police did knock on the door prior to entering, officers did not identify themselves before attempting to enter Taylor's apartment. Some neighbors have also said that they did not hear police announce themselves before entering the residence.Taylor's death has already prompted a ban on "no-knock warrants" in Louisville. Sen. Rand Paul, R-Kentucky, has also introduced a bill that would ban such warrants nationally.Taylor's death has been a flashpoint for protesters calling for an end of police brutality and systemic racism. Athletes and entertainers have publicly called for the arrest of the officers who were involved in the raid on Taylor's apartment.One officer involved in the shooting, Det. Brett Hankinson, has been fired from the department. None of the officers have been charged with a crime. 3194

At Tivoli Brewing Company, canning beer has gone from celebratory to an almost sobering experience.“This sucks,” said Ethan Tsai, Tivoli brewery director.Tsai says Tivoli and other breweries across the country are suffering from an aluminum can shortage.“We don’t have enough cans, we’re not going to be able to sell enough beer,” he said. “This is going to be a financial pinch to a whole lot of people.”On a normal week, Tivoli would turn out almost 400 cases of beer. During the last few of weeks, however, they’re struggling to get out 100.“Sales is going to suffer,” Tsai said. “And if sales suffer, then our ability to survive is going to be jeopardized.”Experts say there are several reasons for this shortage in cans. More people are stocking up on beer in stores and taking it home during the COVID crisis and less customers are going out to bars and restaurants.Whatever the case, production of cans isn’t keeping up with the demand.“For the year 2020,” Tsai said, “Ball (Corporation) is estimating approximately 10 billion, that’s billion with a “B”, aluminum can shortage."Ball Corporation is one of the world’s leading aluminum can providers. It’s responding to the recent surge in demand for cans by expanding its operations and building two news production plants which they say should be completed by 2021.“It might mean that some brewers get less revenue and have to make more difficult choices,” said Bart Watson, chief economist with the Brewers Association, an organization representing thousands of craft breweries across the country.He says cans make up a majority of craft beer packaged sales and that this shortage of could cost companies money and employees their jobs.“It’s tough to see the small brewers, who put so much sweat equity into their businesses, be brought down by really something that not their fault,” Watson said. “First the pandemic and now these additional challenges like a shortage.”Back at the brewery, Tsai is trying to figure out how to logistically juggle this shortage of cans during a pandemic to make sure his staff still have jobs and that this brewery survives.“We are all in this together,” he said. “None of us benefit from just taprooms suddenly disappearing.” 2226

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