Consumer Protection

News Release | WashPIRG | 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.

Tips for Data Breach Victims

The first defense against any kind of identity theft is to be vigilant about protecting your personal information by taking steps like creating secure passwords, installing anti-virus and anti-malware software, and shredding personal documents. However, if and when someone does steal enough of your information to commit any form of identity theft there is really only one type of identity theft that you can stop before it happens: New account identity theft, where someone opens a new account in your name.

Protect Yourself Against New Account ID Theft

The first defense against any kind of identity theft is to be vigilant about protecting your personal information by taking steps like creating secure passwords, installing anti-virus and anti-malware software, and shredding personal documents. However, if and when someone does steal enough of your information to commit any form of identity theft there is really only one type of identity theft that you can stop before it happens: New account identity theft, where someone opens a new account in your name.

This week, the IRS has admitted that thieves accessed the personal information -- enough to allow them to take your tax refund -- of an additional 220,000 taxpayers, on top of the 114,000 reported in May. Meanwhile, we remain  concerned that Congress will use continued publicity about the Target breach and other breaches as an excuse to pass dangerous data security legislation. Dangerous? Yes, because it would only protect against limited financial identity theft harms, but eliminate stronger state protections against the harms posed by the IRS breach, the health insurance breaches and the OPM breach.

Report | WashPIRG Foundation | Consumer Protection

Mortgage and Mortgage Complaints

This is the sixth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about mortgages, with the aim of uncovering patterns in the problems consumers are experiencing with mortgage originators and servicers.

News Release | WashPIRG Foundation | Consumer Protection

New Report: Mortgage Problems Rank #1 at CFPB for Consumer Complaints

Mortgage problems were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released by the WashPIRG Foundation. The report also found that Bank of America was the most complained about company in Washington for mortgage problems. 

News Release | U.S. PIRG | Consumer Protection

FCC NET NEUTRALITY ORDER PROTECTS THE OPEN INTERNET

Today the FCC took not one but two critical actions to make sure that the Internet works for everybody. First, it issued a "Net Neutrality" order guaranteeing a free and open Internet. This Internet freedom order will prevent the phone and cable companies from granting fast lanes or other preferences to already powerful firms. The FCC also acted to override state laws that prevented local governments from building out broadband networks to compete with the phone and cable companies.

President Issues Privacy Platform

By | Ed Mierzwinski
Consumer Program Director

Today the President announced support for a variety of privacy protections, most of which are laudable. However, it remains our view that Congressional consideration of a "uniform national breach notification standard" is unnecessary and, worse, will give powerful special interests an opportunity to use the proposal as a Trojan Horse to enact sweeping preemptive limits on state privacy protections.

Report | WashPIRG Foundation | Consumer Protection

Trouble in Toyland 2014

Among the toys surveyed this year, we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards. In addition to reporting on potentially hazardous products found in stores in 2014, this installment of the report describes the potential hazards in toys and children’s products.

The CFPB at Three: A Child Prodigy

By | Ed Mierzwinski
Consumer Program Director

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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