Equifax Has Sold Private Data Including Salary Details of Millions of Employees To Other Companies

Equifax-owned company called Workforce Solutions, also known as The Work Number (TALX), sold salary data of its employees to debt specialists, financial service companies, and other organizations. Facebook Inc. is one of those companies buying such data despite the fact that the U.S. Federal Trade Commission put Facebook on privacy probation.

It is well known that social media such as Facebook now encourage their users to share their private data online. These sites’ entire policies are based on encouraging their customers to share their private lives as much as possible. The data shared (most of the time voluntary) is sent to several organizations and companies regardless of users’ consent. Despite the fact that social media users share their private lives online, salary is one of the sacred areas to most people, people who would not want to post publicly how much they earn. Facebook has been buying data from Equifax and also selling all the private data it collects from its users back to several companies including Equifax which had a breach to expose 143 million Americans’ private information.

Equifax Work Number database now contains over 296 million employment records and contains employees at all wage levels, from CEOs to interns. Considering how loose their security level is, apparent from breaches, it is not even a surprise there was unauthorized access to their employee tax records, lasting over a year, from April 2016 to May 2017. Cybersecurity expert Brian Krebs states that ‘crooks were able to reset the 4-digit PIN given to customer employees as a password and then steal W-2 tax data after successfully answering personal questions about those employees,’ to breach TALX’s databases, the Tax Form Management platform. He said due to this method of breaching, Equifax has no idea how many employees were affected from it. Krebs also reported that last September, a research team was able to access 14,000 consumer records after slipping into an online portal where Equifax employees in Argentina manage credit report disputes from consumers, as the password combination was set to an easy guess such as admin/admin.

Equifax-owned The Work Number has such a detailed database about salary data they put on sale that it shows week-by-week data for years, health care providers, types of health care coverage, files of unemployment claims and more. The data The Work Number owns and sells includes 12 million records.

Equifax can easily get and store such private and hidden information through thousands of U.S. businesses, including Fortune 500 companies, government agencies (who hold 85 percent of the entire country’s population), the Department of Defense and even schools. These sectors and people let Equifax tap directly into their data so that the credit bureau can have the latest job information and they even pay for Equifax to own their workers’ private information as they see it as a privilege. Once Equifax collects the private data, it sells the data to third parties such as debt agents, social media giants like Facebook Inc., and various companies giving financial services.

A good example could be given when we look at Facebook employees. A typical employee at Facebook may require verification of his employment through TALX when he applies for a loan, public aid, or a new job. If his new prospective employer is among the 70,000 approved entities in Equifax’s verifier network with a “permissible purpose”, that company can purchase his employment and income information for about $20. Prospective landlords can verify an applicant’s income through The Work Number, or human resources departments can examine an applicant’s background information much cheaper.

How the Work Number process works, according to a 2007 slide about Equifax’s $1.4 billion acquisition of TALX that year. Image: SEC

Of course, gathering data which was more than a fifth of the firm’s $3.1 billion revenue last year makes TALX one of the most profitable businesses of Equifax. Rick Smith, Equifax’s former CEO, said at an event at the University of Georgia in August. “That acquisition, by the way—I don’t know if I’m proud of this or not—but it’s worth about $9 billion today.”

Equifax already confirmed in an emailed statement to News as it shares ‘job data’ with debt collectors and others in agreement with Fair Credit Reporting Act guidelines.

Despite the fact that the Work Number database presents a continuous threat for both employees and consumers with their large database to private data and with little to no protection to it, the Work Number stated they will continue to supply such data for their customers, the sale of the data is included.

Such private data being shared by financial companies means your health status, credit history, financial status, debts, salary, your bank accounts and several other private details about your life are exposed to many organisations and companies. When, for instance, you fail to pay for your credit card debt or hospital bill, the companies can withdraw this amount from your bank account and you won’t even realize it unless you see a detailed account report.

At this point, there does not seem to be a real solution to this big scandal concerning the violation of private data since the Federal Trade Commission (FTC), which is supposed to take care of such issues, also sends its employees’ data to Equifax and it is an Equifax client as well. FTC regularly sends wage and work information about its attorneys and staff members to the Work Number database.

Trade specialists comment about one of the biggest scams of our century concerning the violation of company’s customer related data as a ‘secret CIA’ since it is being done legally and nobody does anything about to prevent it.

Sources:

https://www.fastcompany.com/40485634/equifax-salary-data-and-the-work-number-database

https://krebsonsecurity.com/2017/10/equifax-breach-fallout-your-salary-history/

https://www.nbcnews.com/technology/exclusive-your-employer-may-share-your-salary-equifax-might-sell-1B8173066

Million Mask March 2017 – The day activists and hackers unite and march together

There is one day each year that is special to both activists and hackers. Every year on that day they unite and march together, all over the world, to fight against censorship and oppression. They are united by hiding their faces, walking anonymously through each big city, showing the world they exist.

It started small, a few years ago, with an operation called #OpVendetta, created by the collective of Anonymous. This collective is often portrayed by the media as being some sort of shady hacker group, but really Anonymous is just an idea. Everyone can be anonymous and it doesn’t have any members or leaders. People involved with Anonymous hide their identities, for safety reasons, but also to be united as one. To show they do not act as seperate entities, but rather as one big block.

Over the years the operation once known as #OpVendetta became famous as the Million Mask March. The name #OpVendetta ofcourse refers to the movie V for Vendetta, wich ends with thousands of people marching while wearing their Guy Fawkes masks. It became a symbol for global protest in large numbers. Nowadays the Million Mask March attracts thousands, some say millions, of activists all over the world. Mostly marching in their capital cities, but marches also exist in smaller cities.

The protest marches do not carry any group opinion. It is said that you can join the march for whatever reason you want. Most of the activists march for their freedom, and to combat censorship. But it is not necessarily limited to that. The last few years there are many animal rights activists as well, for example. What unites everyone is the concept of anonymity.

Do you want to know if there is a march close to you? The easiest thing you can do is go to Facebook, then type Million Mask March Yourcityname to find a march you can visit. Also search for the hashtags #millionmaskmarch or #mmm2017 on Instagram or Twitter. You will see many people advertising their marches or talking about this subject. Even if you don’t plan to march, it is truly an event that touches the hearts of everyone.