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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
ATLANTA — Georgia’s top elections official says his office is investigating potential election law violations by groups working to register voters ahead of January's Senate runoffs. Secretary of State Brad Raffensperger named four groups his office is specifically investigating: America Votes, Vote Forward, The New Georgia Project and Operation New Voter Registration Georgia. He says some groups are allegedly encouraging people outside the state to register to vote in January's Senate run-off election, according to The Hill. “We have opened an investigation into a group called America Votes, who is sending absentee ballot applications to people at addresses where they have not lived since 1994,” Raffensperger said Monday in announcing the investigations. America Votes responded to the accusations in a statement to the Atlanta Journal Constitution, saying they have mailed applications to those on the list of voters maintained by Raffensperger's office. The secretary is also punching back at claims that fraud has tainted the state’s presidential election. Raffensperger said dishonest actors are exploiting the emotions of many Trump supporters with fantastic claims and apparently misleading the president as well. He said during a news conference Monday that his office has 23 investigators probing 250 open cases alleging some kind of election law violation, but none of them cast doubt on the integrity of the state's election results. 1461

Attorney General Jeff Sessions fired former FBI Deputy Director Andrew McCabe late Friday, less than two days shy of his retirement, ending the career of an official who had risen to serve as second-in-command at the bureau.McCabe had more recently been regularly taunted by President Donald Trump and besieged by accusations that he had misled internal investigators at the Justice Department.McCabe had been expected to retire this Sunday, on his 50th birthday, when he would have become eligible to receive early retirement benefits.But Friday's termination could place a portion of his anticipated pension, earned after more than two decades of service, in significant jeopardy.The origin of his dramatic fall stems from an internal review conducted by Justice Department Inspector General Michael Horowitz. That report -- the details of which have not been publicly released -- is said to conclude that McCabe misled investigators about his role in directing other officials at the FBI to speak to The Wall Street Journal about his involvement in a public corruption investigation into the Clinton Foundation, according to a source briefed on it. 1159
Automakers are racing to develop driverless cars, putting increasingly complex technology on the road despite concerns from safety experts and the National Transportation Safety Board about a lack of regulations.Unlike rules for the design of a seatbelt or airbag, the federal guidelines for automated vehicle systems are voluntary. The U.S. Department of Transportation says keeping rules at a minimum will speed up the introduction of life-saving technology, a goal made all the more urgent as traffic deaths climbed again last year to 37,461, with 94 percent of those caused by human error.That lack of mandatory rules for self-driving cars has given automakers and technology companies the green light to police themselves, said Jackie Gillan, president of Advocates for Highway and Auto Safety. The group is calling for the government to issue mandatory safety standards for driverless cars.“Before we introduce this technology we need to have some assurance and accountability by the industry that this technology is not going to kill or injure consumers,” Gillan said.The National Transportation Safety Board makes recommendations after investigating major transportation incidents. The board recently called on DOT to issue new safety rules after its investigation of a May 2016 fatal crash of a Tesla Model S operating on autopilot near Williston, Fla. The Tesla slammed into a tractor-trailer, its cameras and automatic emergency braking system failing to spot the blank side of the truck against the white sky.It was the first known deadly wreck of a car driving with that level of automated sophistication. The NTSB said the driver relied too heavily on the car’s traffic-aware cruise control system and autosteering feature, but also blamed Tesla’s autopilot for allowing the driver to not interact with the car for prolonged periods of time.Investigators found the driver had his hands on the wheel for only 25 seconds during the 37 minutes the car was on autopilot. After the crash, Tesla updated its software that requires drivers touch the wheel every so often when the car is driving itself to ensure a human is paying attention to the road. Now if a driver repeatedly fails to touch the wheel, he or she will “strike out” and cause the car to slow down and stop in its lane with its hazard lights on, disabling autopilot for the remainder of the trip. 2378
As summer winds down, doctors across the country are warning flu season is fast approaching. Many are watching Australia to see what may happen here when flu season arrives."Where Australia is obviously in the Southern Hemisphere, they're in winter while we’re in summer. We look at their flu season as kind of a six-month predictor of how ours is going to turn out," says Dr. Kenny Banh, the assistant dean of undergraduate medical education at UCSF-Fresno.The number of flu cases in Australia has taken a dramatic dip compared to last year. Dr. Banh says it's unclear if the U.S.'s flu rates will be as low as Australia's.A lot of it has to do with coronavirus precautions that people are taking, Banh hypothesizes."That's what we predict. It's not really so much a change in vaccination rates as much as the social distancing and all the preventative steps of coronavirus that are having the same effect of spreading any disease, including influenza," says Dr. Banh.Doctors say strict measures in Australia to protect people from COVID-19, such as physical distancing, wearing masks and hand washing, have helped prevent the spread of the virus and, incidentally, the flu. Now, some are wondering whether the United States will also see a drop in flu cases this winter."Seeing that they have a drop in influenza, we will certainly have a small influenza season. The issue is Australia is approaching, and the U.S. is approaching coronavirus very different. Their rates are different and they have a much lower per capita infection rate than we have in the U.S. for various reasons," says Dr. Banh.Australia has taken a broader, nationwide approach to protecting people against COVID-19, unlike in the United States, where each state has implemented different restrictions. That's one reason why Dr. Tanya Altmann with the American Academy of Pediatrics recommends every person, 6 months of age and older, gets a flu vaccine."I think this winter, it may be hard to differentiate between the flu and COVID-19 because so many of the symptoms-- cough, fever, aches, chills, are very similar. So by getting the flu vaccine and decreasing the chance your child has influenza, that will help us figure it out," says Dr. Altmann.Dr. Banh says Australia's plummeting flu rates and nationwide protective measures from COVID-19 will hopefully encourage many here in the United States to take the necessary precautions to keep everyone as healthy as possible this winter. 2470
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