Consumer Protection Updates

News Release | U.S. PIRG | Consumer Protection

Statement on Experian Breach of T-Mobile Customer Data

In the wake of a massive data breach affecting Experian’s computers holding 15 million files of T-Mobile hacked customers and applicants, we question why the firms are offering credit monitoring instead of paying to place credit, or security, freezes on all three of each victim’s credit reports. Only the security or credit freeze, available in any state, stops new account identity theft. Potential victims should freeze all of their “Big 3” credit reports from Experian, Equifax and TransUnion.

News Release | U.S. PIRG | Consumer Protection, Higher Ed

U.S. PIRG Echoes CFPB Call for Improved Student Loan Servicing

Earlier today, The CFPB released a report reviewing the state of student loan servicing, identifying the industry’s pervasive failures.

Flying for Labor Day? Know Your Airline’s Extra Fees!

By | Mike Litt
Consumer Program Advocate

On Labor Day weekend, make sure you know about non-ticket fees ahead of time to keep unexpected costs and hassles to a minimum.

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

Two big consumer stories so far this week offer hope to consumers victimized by credit bureau errors and, more generally, by an inability to take credit bureaus, credit card companies, banks or payday lenders to court when harmed. On Monday, New York's Attorney General Eric Schneiderman signed a groundbreaking agreement with the Big Three credit bureaus, Equifax, Trans Union and Experian. Then today, the CFPB released a report finding that consumer legal rights are infringed by small-print forced arbitration clauses in credit card and other contracts.  The CFPB will hold a webcast public hearing at 11am Eastern time today (Tuesday) to discuss the report's findings and next steps.

Media Hit | Financial Reform

Credit Bureaus’ Deal to Improve Accuracy ‘Huge’ for Consumers

(Bloomberg) -- Buying homes, getting jobs and borrowing money will be easier after an agreement by the three biggest U.S. consumer credit reporting services with New York.[...] “It’s a sea change in the way the credit bureaus treat complaints,” said [U.S. PIRG's Ed] Mierzwinski. “The credit bureaus have been run by computers for years now. They’re going to have to hire more people and actually verify that what a creditor said is true.”

As if recent privacy breaches at the online tax preparer Turbotax and the health insurer Anthem weren't enough, it turns out that low-tech hacks can trick the vaunted Apple Pay system into giving up cash to thieves, too. Meanwhile, while the administration's blueprint for a Privacy Bill of Rights in 2012 was excellent, its new legislative draft from the Department of Commerce could have been written by the U.S. Chamber of Commerce. There is some good news on privacy, though.

UPDATED (9 Feb.) Retail store data breaches make a mess, but an easy one to clean up and the few consumers who become fraud victims are quickly made whole. The Anthem hackers, on the other hand, reportedly obtained a mother lode of information that could be used to commit a variety of serious frauds, including obtaining your tax refund. Read our tips here. Here's the first: Don't click on any emails claiming to be from Anthem; some may be malicious.

House's New Target: All Health, Safety, Financial Protections

By | Ed Mierzwinski
Consumer Program Director

Following their embarrassment a few weeks ago when a vote on Wall Street rollbacks using "name that post office" procedures failed, the good news is that House leaders are taking a hiatus from attacking financial reform directly this week. The bad news: instead, the House plans to move two proposals placing roadblocks in front of any agency -- from FDA and EPA to the CFPB -- seeking to establish public health, safety or financial safeguards. We're on the case.

Banks, debt collectors lead backdoor effort to robocall your cell phone!

By | Ed Mierzwinski
Consumer Program Director

Banks and debt collectors are leading a phalanx of powerful special interests seeking backdoor action to weaken the consumer protection law that prevent robocalls to your cell phone without your consent. We've joined other consumer and privacy leaders, and senators led by Ed Markey (MA), to stop them.


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