FAQ: SC DOR BREACH

Dear Friends and Neighbors:I am including herewith a list of frequently asked questions regarding the Department of Revenue Security Breach.  I know it is very long list but I hope it will assist you with any concerns you may have.  If you have any other questions, please let me know.Warm regards,
Beth

FREQUENTLY ASKED QUESTIONS REGARDING SC DOR SECURITY BREACH

INDIVIDUAL TAXPAYER

Q: Who may have been affected by the SC DOR security breach?
A: Individual taxpayers, their dependents, and businesses who have filed a South Carolina tax return since 1998 to the present may have been affected.

Q: What type of personal information may have been exposed?
A: While the investigation is still ongoing, South Carolina taxpayer’s Social Security Numbers, debit card numbers, credit card numbers, and information that would be found on the front of a check like bank account and routing numbers may have been exposed.

Q: What should you do if you have filed a SC tax return since 1998 to the present?
A: If you have filed a South Carolina tax return since 1998 to the present, the State is offering you the opportunity to register with ProtectMyID™ free of charge. There are two ways to register:
Option One: Sign up online.
Go to www.protectmyid.com/scdor and use the activation code: SCDOR123 to initiate the registration process. All future notices from Experian® will be sent to you by email.
Only one email address may be associated with one registration for ProtectMyID™.
Option Two: Call the Experian® Call Center.
Call 1-866-578-5422 to complete the process with a live agent. You may choose to have all future notices from Experian® sent to you by postal mail or email.
If a taxpayer has no access to the internet, does not have a working email address, or if there is another reason why he or she cannot access the internet, then he or she must call the Experian® Call Center.

Q: What are the hours of operation for the Experian® Call Center?
A: Monday – Friday: 9:00 a.m. – 9:00 p.m. EST
Saturday and Sunday: 11:00 a.m. – 8:00 p.m. EST

Q: What benefits will a taxpayer receive after registering with ProtectMyID™?
A: Experian® will provide the following:
Credit Report: You will get a free copy of your Experian® credit report.
Daily Credit Monitoring: You will receive alerts regarding any suspicious activity, including new inquiries, newly opened accounts, delinquencies, or medical collections found on your Experian®, Equifax® and TransUnion® credit reports for one year.
Identity Theft Resolution: If you have been a victim of identity theft, you will be assigned a dedicated, U.S.-based Experian® Identity Theft Resolution Agent who will walk you through the fraud resolution process from start to finish.
Identity Theft Insurance: If you have been a victim of identity theft, you will immediately be covered by a $1 million insurance policy that can help you cover certain costs, including lost wages, private investigator fees, and unauthorized electronic fund transfers for one year.
ExtendCARE: You will get full access to personalized assistance from a highly-trained Fraud Resolution Agent even after the initial one year ProtectMyID™ membership expires.

Q: Is there a deadline to register with ProtectMyID™?
A: January 31, 2013 is the deadline to register for one year of identity theft protection with ProtectMyID™.

Q: How much does it cost to register with ProtectMyID™?
A: No fee is charged to the enrollee to register with ProtectMyID™ for the first year.

Q: How will someone be contacted who has filed a tax return since 1998 to the present in SC and no longer lives in the state?
A: Notice will be sent to them by standard U.S. mail.

SENIORS

Q: As a senior living in South Carolina, why should I be worried about identity theft?
A: The SC Department of Revenue announced on October 26, 2012 that taxpayers’ records have been exposed in a cyber-attack. This includes Social Security numbers, credit and debit card numbers, and business tax filings.

Q: What should you do if you have filed a South Carolina tax return since 1998?
A: If you have filed a South Carolina tax return since 1998 to the present, the State is offering the opportunity to register with Experian’s ProtectMyID™ protection plan free of charge for one year.

Q: What is Experian’s ProtectMyID™ plan?
A: ProtectMyID™ is a service that monitors your credit and provides you alerts to any suspicious activity on your credit. ProtectMyID™ is designed to detect, protect and resolve potential identity theft, and includes daily monitoring of all three credit bureaus (Experian, Equifax, and TransUnion). The alerts and daily monitoring services are provided for one year, and consumers will continue to have access to fraud resolution agents and services beyond the first year.

Q: What information do you need to register?
A: When registering, you will need to provide to Experian personal information such as:
Name
Address
Date of Birth
Social Security Number
As you are signing up for a free service, do not give out your credit card number when registering

Q: How long will registering by telephone take?
A: There might be a wait time in order to speak with a representative. Please do not hang up while waiting as there will be a recorded message played before you are connected to a live representative.

*Please note: The SC Department of Revenue or a credit bureau such as Experian will not initiate contact with you by phone, mail, or email to directly ask you for personal information such as your social security or credit card number.

Q: What are the hours of operation for the Experian® ProtectMyID™ Call Center?
A: Monday – Friday: 9:00 a.m. – 9:00 p.m. EST
Saturday and Sunday: 11:00 a.m. – 8:00 p.m. EST

Q: Are there any other steps you can take to protect your identity?
A: There are other steps that you can take in order to further protect your identity:
Regularly monitor your credit reports and review your bank statements.
Place fraud alerts with any one of the three credit bureaus (Experian, Equifax, TransUnion). When you alert one credit bureau, the other two will also be notified.
Place a freeze on your credit with each of the three credit bureaus; it is free to place a credit freeze. A credit freeze will prevent anyone accessing your credit without your permission. (Note: You will not be able to borrow money or obtain instant credit until you lift the freeze; after you contact the credit bureau to lift the freeze, you will be able to access your credit in about 30 minutes.)
More details on these options are provided below.

Q: Is there a deadline to register with ProtectMyID™?
A: January 31, 2013 is the deadline to register with ProtectMyID™.

Q: How much does it cost to register with ProtectMyID™?
A: ProtectMyID™ is free for South Carolina taxpayers for one year.

Q: What if I do not have a credit history with the credit bureaus?
A: If you do not have a credit history due to inactivity with your credit or otherwise, you will be able to register with a modified ProtectMyID™ plan.

Q: Can you explain (1) monitoring my credit reports and bank statements, (2) contacting a credit card and/or debit card issuer due to suspicious activity, (3) placing fraud alerts and/or credit freezes in more detail?
A: You can also help prevent your information from being misused by taking some of the following simple steps:

1. Review Your Credit Reports and Bank Statements. We recommend that you remain attentive by reviewing your bank account statements and monitoring credit reports regularly. Under federal law, you are entitled once a year to one free copy of your credit report from each of the three major credit bureaus. You can also obtain a free credit report once a year by visiting www.annualcreditreport.com or calling 1-877-322-8228. You may wish to stagger your requests for each of these free credit reports so that you receive one every four months. You should also know that you have the right to file a police report if you ever experience identity fraud. Please note that in order to file a crime report or incident report with law enforcement for identity theft, you will likely need to provide some kind of proof that you have been a victim. A police report is often required to dispute fraudulent items. You can report suspected incidents of identity theft to local law enforcement.

2. Contact Credit/Debit Card Issuer. When credit card or debit card information is compromised, the best protection is to obtain a new card with new card numbers. As stated above, it is recommended that you check your bank account statements regularly. If you detect any unauthorized charges, we strongly suggest that you contact your credit/debit card issuer immediately by calling the toll-free number located on the back of your card. You should tell your credit/debit card issuer that your account may have been compromised and should be reviewed for potentially fraudulent activity. If you use online banking, you may also want to change your credit/debit card account password immediately if you discover unauthorized charges.

3. Place fraud alerts and/or credit freezes. You can place a fraud alert with one of the three major credit bureaus (Experian, Equifax, TransUnion) by phone or by visiting their website. A fraud alert tells creditors to follow certain procedures, including contacting you, before they open any new accounts or change your existing accounts. For that reason, placing a fraud alert can protect you, but also may delay you when you seek to obtain credit. Once you place a fraud alert with one credit bureau, the other credit bureaus will also be notified. You also have the option of placing a credit freeze on your credit. You will need to contact all three of the credit bureaus in order to place a freeze and you will not be able to borrow money or obtain instant credit until you lift the freeze. If you need to lift the freeze at any time, you will need to contact the appropriate credit bureau to do so and your credit should be available in a matter of minutes. It is free to utilize the fraud alert and credit freeze options.

Credit Bureaus
If you need to contact the credit bureaus for reasons of placing a credit alert or credit freeze, please use the following contact information. If you need to sign up for the free ProtectMyID plan, please see the contact information provided above.

Experian Fraud Reporting
1-888-397-3742
P.O. Box 9532
Allen, TX 75013
www.experian.com

Equifax Fraud Reporting
1-800-525-6285
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com

TransUnion Fraud Reporting
1-800-680-7289
P.O. Box 6790
Fullerton, CA 92834
www.transunion.com

CHILDREN: MINORS / DEPENDENTS / Family Secure™ COVERAGE

Even though your minor dependent may not have a credit history, you may enroll them for identify theft protection. All individuals under the age of 18 must be enrolled by one parent or guardian. A parent or guardian will be notified several weeks after registration when Family Secure™ enrollment has opened by postal mail or email.
Minors are individuals under the age of 18.
Dependents are individuals who are claimed as dependents for tax filing purposes.

Q: Have minors’ Social Security Numbers been exposed?
A: Social Security Numbers of minors and/or dependents may have been exposed.

Q: How do I enroll a minor for Family Secure™ coverage?
A: Step One: A minor’s parent or guardian must first enroll with ProtectMyID™. Only one parent or guardian may enroll the minor.
Step Two: The parent or guardian, who enrolled in ProtectMyID™, will receive a letter or email explaining how to enroll minor dependents in the Family Secure™ plan.
Step Three: The parent or guardian, who enrolled in ProtectMyID™, will then enroll minor dependents in the Family Secure™ plan.

Q: After being enrolled as a minor in the Family Secure™ plan, what should I do when I turn 18 years old or begin to file tax returns?
A: Call Experian® for assistance 1-866-578-5422.

Q: What are the benefits of Family Secure™ coverage?
A: The primary benefit that Family Secure™ offers is monitoring the identity (primarily the SSN) of the minor for one year, even if the minor has no credit report. Once registered, in the event a child does not have a credit file, if any credit, loan or similar account is opened with that information, Experian® will alert the parent or guardian. Details of the alerts on minors are not released unless or until the parent or guardian authenticates themselves with Experian® as the parent or guardian of the minor.
Family Secure™ coverage is for one adult and any number of minors. (Five minors can be enrolled via the website. For more than five, the customer must call Experian®). The adult coverage includes a $2 million product guarantee covering the whole family, Score Tracker and Fraud Resolution.
Minors receive monthly monitoring for existence of a minor’s credit report, and if a credit report is found, then Experian® monitors for any changes to that report.

Q: What if I file joint tax returns or have joint banking and credit accounts with my spouse?
A: Every individual with a Social Security Number should register with ProtectMyID™ separately, because credit histories are tied to individual’s Social Security Numbers.

Q: Will my deceased family members be at risk?
A: It is not necessary to sign the deceased up for ProtectMyID. However, you should notify all three credit bureaus (Experian®, Equifax® and TransUnion®).

ADULT DEPENDENT / DISABLED

Q: How do I protect an adult who is a dependent and/or is disabled?
A: The individual charged with the legal authority to assist a dependent adult filing taxes can enroll the dependent adult with ProtectMyID™ as long as that individual provides proper documentation to Experian.

MILITARY PERSONNEL

Q: What if I serve in the military and filed taxes in South Carolina since 1998 to the present?
A: The State of South Carolina will work with the U.S. Department of Defense to identify and notify all military personnel who have filed South Carolina taxes since 1998 to the present.

BUSINESSES

Q: What should I do if I am a business owner?
A: South Carolina business owners are being offered two free products. Businesses have the opportunity to enroll with both Dun & Bradstreet and Experian® Business Credit AdvantageSM.

Q: What type of business information may have been exposed?
A: While the investigation is still ongoing, Federal EIN numbers, SC Department of Revenue tax ID numbers, credit and debit card information, and bank account information may have been exposed.

Dun & Bradstreet:
If your business has filed a South Carolina tax return since 1998, you should contact Dun & Bradstreet Credibility Corp. who will give South Carolina businesses a CreditAlert product that will help them stay alerted to changes in their D&B® scores or ratings and other indicators of fraudulent activity that could be taking place on their business. The deadline to register with Dun & Bradstreet is January 31, 2013. There are two ways to register:

Option One: Sign up online.
Go to visit www.DandB.com/SC to initiate the registration process.

Option Two: Call Dun & Bradstreet Credibility Corp. Call Center.
Call 1-800-279-9881 to complete the process with a live agent.
Hours of Operations: Monday – Friday: 8:00 a.m. -8:00 p.m. EST.

Experian® Business Credit AdvantageSM:
If your business filed a South Carolina tax return since 1998, Experian® is offering a comprehensive business credit monitoring service called Business Credit AdvantageSM – a service that allows unlimited access to the company’s complete business credit report and score, plus instant email notifications of changes to the business credit profile. These email alerts include reported changes to the business address, credit inquiries, newly opened credit lines, and score changes. South Carolina businesses can begin to view and protect their business credit information with Experian® by signing up for Business Credit AdvantageSM at www.smartbusinessreports.com/SouthCarolina.
How-to-enroll:
Go to www.SmartBusinessReports.com/SouthCarolina
Register to get an Experian® business credit monitoring access code
An instant email is sent to the user’s email address with the access code
Follow instructions on the email to redeem the access code at the web address provided

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