I saw this episode, froze my credit. It saved me a lot of pain because not 2 months later my identity was stolen, but they couldn't do much with it as I had already had all the freezes in place. A big thanks to John Oliver and the LWT team.
@@kyabatsu why would u assume that didnt happen I believe my mom did the same thing granted her identity wasnt stolen but it's not unbelievable to think something like this happened
I wonder if there's a parallel universe where watching Last Week Tonight leaves you feeling proud of the human species and the state of the world at large.
Tokorai this is actually so sad!! I really wish that was a thing, and can I go there?! Thought it would have to be a problem for the happy show to even happen, there would have to be a difference in brain chemistry, otherwise people might not enjoy it.
Oh 2017, what a simpler time. When he said “where every headlines ‘everything batshit that’s happened to day’” I cried a single tear. What I would give to have 2017 like news instead of now.
@@TheRealOnlineAcc no he ate pangolin soup, made from a pangolin that got infected by a bat. Still disgusting, but at least we have the facts right now.
Because cyber security is REEEALLLY expensive and boring, so we'll get to it later, gotta save up for our next ad campaign. nobody thinks about the I.T department, until it's all too late and everything is broken.
As a programmer that has dealt with computer security issues in the corporate sector, I can absolutely 100% confirm that it happens _all the time._ Executives are pure evil about 90% of the time.
Henri-Ansel Vallee this show is literally the worse Look up Philip de Franco if you actually want someone not spewing liberal trash or conservative bullshit
I've been watching Philip de Franco since 2008 and it is nowhere near to this show when it comes to being informative, he simply has too much to cover in 15-20 minutes. But i do appreciate him bashing both sides.
Andrew Adricatico The worst? This show is the most informative show out there and you say it's the worst? This video has informed me waaay more on this issue than Phillip did and I like Phillip Defranco but his take on this wasn't as depth as John Oliver's.
Erin Leitner Oh, so that's who was having trouble with their hat in the background of those video clips. All I could see was that someone was trying to wear a formal top hat indoors, for whatever reason. Someone should have told her to remove her hat because there's a lady present.
+Totally Nameless While it doesn't excuse unmeritorious "diversity" hiring this piece did (inadvertently) present the ongoing problem of carpet baggers in the ICT industry that started around the dot-com boom. The costs of maintaining and cleaning up after some of these people is immense because they don't understand fundamental information systems principles or how to properly design and plan. Either way, thank you for the informative article.
It's just so infuriating that a company who didn't have to ask you permission to obtain and store your data, can lose it through massive incompetence, and it's you who has to take action to protect yourself. I don't want to have to lift a finger to fix a mess I didn't cause. To have to pay them for the privilege of freezing my credit, or monitoring it every year after the first free year...well that's just bullshit and insulting.
If they have your data it's because you opened a bank account or something and signed a paper at that time which gave the bank permission to give Equifax your information. So they did get permission. It's just impossible to not give them permission, unless you avoid ever using a financial institution for your entire life.
+aCynicalPie Has anyone ever actually told you who they were checking your credit with? Because there are the big 3, and then a bunch of other small ones, and they could check anywhere from 1 to all of them, if i tell a bank they can check my credit history i don't really have any control if they decide to use equifax to check my score or trans union, or both, or a smaller local credit bureau. I have never been informed who my credit was being checked with, and inevitably with only 1 or 2 exceptions that info will wind up on all 3 of the big credit bureau's reports. Then consider that you need to use those services to live anything remotely approaching a normal life in the modern world and the problem should be apparent, it's not as if you can just choose not to have a file at a credit bureau and live your life like anyone else. There's only one type of life you can live that way, amish. You can't get utilities turned on, you can't rent a place to live, you can't finance a place to live or anything else for that matter, you can't have anything besides a pre-paid cell phone plan, you can't even get a job in most places anymore without a credit check. Basically the only people unaffected by the need for credit these days are people who are born into enough money to pay cash for everything for the entire rest of their life. It is an illusion of choice, you can't actually choose between the two options, the options are live without it or live with it, and you can't really live without it.
I’m not sure what we could do to fix any of that besides hold the companies more accountable, maybe make it mandatory to tell customers within a shorter amount of time. It’s still terrible for everyone involved. I think these things need to be more open, I hate how closed off businesses get to be.
Why is the conversation "we need to be vigilant and protect ourselves" and not "industries need to fundamentally change how they use our information"? If half of U.S. citizens are compromised shouldn't the way you sign up for credit be changed?
145M Americans. Sure, it's about half the population, but then you realize...what percentage of the country uses credit cards?! I'd say about 95% of CC users have been affected.
Because the government would have to institute a policy to force the companies and the people in charge of the government are too busy taking handouts from the companies to make them have to spend money on anything. The US is bought and paid for by monopolies and we're merely the resource waiting to be harvested.
I know this is about Equifax but can we just take a moment to give a shout-out to the editing and Photoshop team that makes all those crazy graphics on the top left. That stuff isn't easy and they do it every week to fit the show. Props to them.
The more amazing thing to me is that is their staff. Whenever there is a graphic of an angry man taking a sh*t it could be anyone from their cameraman to the producer. That is dedication.
Haruhiro Grimgar I still remember that one from several weeks ago with the guy masturbating with a horse stuffed animal. He really took one for the team.
It'd just be great to hang with friends and have one of them ask you how work was going. "Great actually; last week I spent six hours making the Kool-Aid man masturbate furiously!"
John Gamble, Rudy Ploder, Trey Loughran. Look them up, they're starting new businesses as we speak. We need to spread the word and make them pay, or they'll do the same shit knowing no one has the will to take them down.
Under present laws all management personnel in the company MUST plan the stock sell at least 12 months in advance and use a neutral 3rd party (stock broker) to do the transactions. This means that the stock sale deal was actually signed into contract before the breach happened and before it was found out. It is not related to the breach and thus is why it does not violate anti-trust laws.
What's creepier than the breach of the reporting agency is that you never signed a contract with these companies and yet they know more about you than the government.
I know, right? "Hey, so I understand your company is collecting, storing and selling my personal information!" - "Uhh... yeah." - "Well, I'd like you to stop that. It's personal information. I don't want a bunch of random people and companies to have it without my knowledge or consent." - "Ohhhh, you're one of those weirdos. Well sure, I guess we can stop... *if you pay us."* ...Makes me damn happy we have the GDPR here in the "european nightmare".^^
@@lovefoole6920 yeah no, you signed hundreds of contracts with the government when it provided you write through schemes and infrastructure all throughout your life and you paid indirect tax on almost everything
As a small independent business owner if Were careless with only one persons or companies private information I would be subject to civil and criminal charges. I can loose everything I own, and possibly face jail time.
@@tyiffpeijc8702 Not just the US is plagued by this problem, The Netherlands is as well, we have an organisation called the Authority for Personal Information, which seems to turn up in court cases against companies abusing the law concerning the usage of personal information more and more on the side of the abusing companies, while they actually should be protecting the regular consumer/citizen. The National Donor-register (for registering organ donors) recently had an incredibly moronic security breach in which a hard drive full of personal information of about 1,3 million people got into the wrong hands (oh, and the drive was UN-EN-FUCKING-CRYPTED !) . The National Donor-register didn't really apologize, and even had the balls to say "There is no serious risk of the information being abused for identity theft, because you need more information for that", and the news article about the breach actually stated "The information contains names, addresses, birth dates, postal codes and the social security number" and I was like "Hmmm, what security-checks do some companies ask you over the phone to verify it's actually you who is calling? Oh I know, they ask you your address, your name, birthdate and sometimes, the ones who are allowed to, your social security number, what could possibly go wrong!?" But they have gotten away with an investigation and apologizes later on, no fine at this moment, which I really do not understand.
Am I the only one outraged by the fact that in the US you can take a loan in somebody's name just by knowing a few pieces of data that are impossible to change or cancel? In Poland, I have a standardized ID card that I need to show to accomplish anything in a bank, and the minute I lose it, I can report it missing and nobody else can use it from that point on, then I get a new one. There are still ways to get defrauded, but not so ridiculously easy as in the US.
When a man dressed in a cow-print suit on Fox Business is the only one willing to call out companies for still using Equifax, you know we’re in dire straits.
Waypoint oh God that sounds like a jurisprudential disaster. Thanks for letting me know. I'm sorry for the folks who have already/are going to be affected by this, this could create so much difficulty in the lives of ordinary people.
Actually it's common for employees and execs to have stocks in the company they work for. A lot of companies even offer company stock as part of the compensation package. Waiting to announce a disaster publicly to give them time to sell is hella unethical though
Setting aside the horrific negligence and mismanagement of a massive credit company, I wanna point out how funny it is when John interacts with the audience. Just shows how endlessly charming John Oliver is.
One of my co-workers had his credit card information stolen about a year ago. The local credit union that his money is with notified him almost the same day, canceled his cards, and sent him new cards within a few days. He was also a member of LifeLock at the time due to free membership from a security breach at a retailer. To this day, he still has not heard anything out of LifeLock from that incident.
‘A huge pain’ Hackers first made their way into Equifax’s systems through the digital equivalent of an open door. For two months in 2017, the company neglected to patch a known software vulnerability. Then, four officers from China’s People’s Liberation Army - Wu Zhiyong, Wang Qian, Xu Ke and Liu Lei - spent two months inside, stealing names, Social Security numbers and other information about nearly half the people in the U.S., prosecutors say. Making matters worse for the FBI was that Equifax representatives slowed down the investigation by refusing to share any details that weren’t vetted by outside attorneys. At times, the company moved so slowly that people inside the Justice Department briefly considered issuing a subpoena, according to the former official.
Credit monitoring should really be part of a government agency. I understand people don't trust the government but it's better than barely regulated monopolies
reluctantmuggle the government already has all that information so I guess why not, plus they should be more secure since they wouldn’t worry about profit and revenue
And since the government can't buy politicians with donations if something needs to be addressed congress can actually go on the war path to fix things rather worry about stepping on the toes of donors.
I love it. People don't trust the government because they fear the government could act in its own interest rather than in the peoples. An then they think for profit companies are the solution who we know for an absolut fact will and very much expect to do so. I mean seriously where did complete privatisation do anything good for the mayority of the people? Education? Health care? Defense contracts? Infrastructure? Media? Pretty much all of your problems can be traced back to the idea that a completely free, unregulated market will sort it out and yet you defend it with your life. You don't want to be called dumb all the time then PLEASE explain this nonsense to me!
After this I honestly think equifax should just go under. This is absolutely ridiculous. I work in I.T and know patching can be a pain, but when you just blow off warnings, etc that is just idiotic.
jtech0 That "warning from department of homeland security" was just their daily/weekly list of everything that offered a security update that day/week including a page about that one patch that might have been the problem. There have been more than 10000 of those warnings this year, and some of the patches are worse than the problem, which makes it hard and time consuming to decide if each patch is good, bad or don't care. All of IT is basically fucked after some of the biggest suppliers decided a few years back that putting poison and boobytraps into security updates was good business.
It doesnt matter. If equifax goes under a new one will just take over. We need to fix the laws so the data could not be stored like that in the first place.
@@StrazdasLT Well, there are some genuine reasons why you would want to store that information, but clearly better regulations are needed, with more oversight in the industry at large.
The greatest line of this segment is: everyone in charge has done literally everything wrong. You are a true peoples champion oliver. We may have failed this city, but not you. Never change you blessed god of a man.
I watched this while trying to forget that i had lost my phone in the toilet and then he came with the joke about putting Rick Smith in rice when he's wet and now I am mad again
Considering the population too young to have ever needed to use Equifax, or too young for a bank, landlord, employer, car dealer to require a credit check, you might as well assume all adults have been affected. Because we as individuals never even needed to use Equifax, we just needed to do business with an entity that did. 145 million people is much more than half the adult population. And this is just the breach we know about. Not including all the other, more minor breaches they haven't issued alerts about.
Harley Q. the problems US are having right now, from crisis in Puerto Rico, mass shooting that happens more than it should, to a basically impotent government, it makes my country Indonesia look a lot better. Not saying that Indonesia is better, but i'm just saying that it look better by comparison.
I am reading comments that totally degrade this entire country...myself included...and I just smile and think...who can blame the people of the World for finally speaking the truth? I am literally surrounded by millions of people who sit back and watch innocent women, children and men get shot down in the street. So many things here make me so sick. (The food, air, water and blind followings) The Divided States of America...a revolution is brewing...there's literally no other way to correct this insanity...it's way too many imbeciles and not enough corrective actions by the intellectuals.
Jamila Monaco i sympathize with what's happening in the US. I know that the current US government doesn't reflect the average american citizens. And personally, and i think should be the norm everywhere, is that when the government doesn't represent the people, it's time to make a change.
Syahreza Difachri Exactly why a revolution is the necessary corrective action. An impressive uprising of The People is the only way to be heard through the insanity. I have an idea but it takes all people to be united. The enterprise has done an oustanding job with brainwashing and dumbing down The People it will take a literal act of God to make my idea come to fruition.
Jamila Monaco well Indonesia had experience with such revolution. To sum it up, in 1998 college students and young people across nation got fed up with 32 years regime of a president, gathered in the capital Jakarta and all kinds of hell broke loose. And then, 19 years since the revolution, we're getting better. I think the key and driving force behind any revolution is every young people who want make their country a better place. Like back then when US gained indepence from british, CMIIW but many of the major player is "young".
There needs to be a corporate equivallent to the death penalty, and Equifax should receive it. This sort of thing should be sufficient to take action to ensure they cannot cause so much harm through incompetence/apathy ever again.
It seems just WRONG that Equifax should now make millions of dollars off their own carelessness, while their victims -- us -- have to live with this nightmare forever. Equifax offers to give credit monitoring free for one year. I think they should have to provide that service free for life, for anyone whose info was or is in the future compromised by their carelessness. That might take away some of the incentive to allow hacks like this to take place.
It IS wrong, but they are going to get away with it because they have money. The only way they will have to answer for their negligence is if the rich and powerful are compromised (but that's probably not going to happen, as those people would probably have the most secure systems money can buy).
I felt the same exact way, but according to their website, they are going to do that at the end of January 2018: ------------------------------------ *I recently heard about a new credit lock and monitoring free service that Equifax will begin offering by January 31, 2018. What will this new service do?* This service will empower consumers to control access to their Equifax credit file directly - for free, for life. We will announce more details on this service but importantly, consumers will be able to use their smartphone or computer to lock and unlock their Equifax credit file directly and quickly. ------------------------------------ I'll believe it when I see it, but it might make sense to offer an olive branch to the "chickens" before they demand something more official from the government. Most of their money comes from the big companies who want to see our credit reports, so it might not be that much of a write-off for the sake of a little consumer good will.
+asherael Because people that keep structures like these, can't be fucked to spend effort or budget to fix something that "works well enough". Well, here's their proof of concept. I bet they still won't care.
Agree with the concern, but it’s not the number, it’s how it’s used. The number is just another name for each of us. The fact that this number/name is all that is required to set up an account is crazy. There should be at least a phone call to a known number, lawyer, bank, whatever to confirm who this request is coming from.
You can't do much with *just* a SSN. It's not the only thing needed: they also need your full name, date of birth, current address, current employer, and probably a couple other things as well, but guess what? All those things were stolen in the Equifax breach too!! *That's* what's going to eff us. And in this age of information automation, a credit app submitted nowadays might NEVER be reviewed by a human during the entire process. The denial or acceptance letter can emailed without anybody having to look it over.
Same here! Truth is I quit having anything associated with robber baron businesses - no banks no cards nada anything! I'm actually living a much happier life - fuck Equifux....
I think 99% of the damages will happen in the next months or years. Social security number theft is usually done by the dozens, not by the millions. I guess the black hat market has yet to adapt to this, but it will and people will find ways how to monetize millions of identities at once.
Or a reason to stand for it b/c the only way anything will change in this country is if the people stop fighting with one another over small differences in opinion and fight for a change instead. Stop electing these paid for government officials who are all golfing buddies with the CEO of equifax... Vote for people who can prove they don't have ties with corporations. If you vote for anybody with ties or refuse to vote b/c you know it wont matter you are the problem. Stop fighting your fellow civilians and fight the policies that cause all the shit.
In Spain we have like a bunch of id cards, Spanish id, [Insert Comunity] Healthcare id, Spanish Healthcare Id, Passport, Spanish Work Id and many others that are optional like driving licence,European Healthcare id, big family id, student id and so on. Every card belongs to a specific governmental organization with their own security mesures, so if my healthcare security number got leaked they could literally do nothing, even my healthcare history has it's own number. The Spanish id is suppose to be the most important one and when it's issued they give you a secret code that it is needed to prove your indentity online. You can even inscribe your credit/debit card to a security european organization in a way that you cannot make any big purchase in the internet without a specific secret number, also many banks offers the option to have different security mesures such as the 2step verification. All together makes impersonating a really hard task where they literally would have to kiddnap you in order to impersonate you. For real USA, making loans with just having your social security number? that's securitywise awful.
It similar in all European countries. Identity theft usually never happens around here. It's just the US and other 3rd world countries that are messed up.
The "And Now" segment before this story was awesome, especially the part when Tucker Carlson questioned whether Pumpkin Spice Lattes were racist, lmfao.
This was the segment I’ve been waiting for since September. Honestly, it might not have been as cathartic as I wanted it to be, but I’m glad that John covered some of the biggest points and warned others that probably didn’t hear about it. It’s just frustrating that a company that most of us had little to no contact with breach some of our most important information. The sad thing is, I’m not quite sure what should be the game plan in the long run. Many people suggest moving away from using SSNs as an all-around identifier, and I agree, but how long will it take to develop the plan (and possibly the technology) to do that?
i love how Equifax attempted to make their picture there look nice and technical with the sick looking code thrown around in it, meanwhile it's simply dumb 101 level poorly formatted Java code that just prints out two given numbers swapped
I hope every business stops using Equifax. I hope this company gets the ballsack sued off them. I hope credit reporting as an industry dies. It's corrupt, incompetent, and exploitative.
they won't. because THEY are the ones profiting. and usa has bearly any regulations on anything. so they won't care and nothing will change unless we all speak up
This is a company that demands everyone's most important personal information, fails to secure that personal information, conceals the most serious data breach in US history for weeks, tries to trick people into giving up their right to sue, and charges people for the ability to protect themselves from the consequences of having their personal information stolen. Their whole business model is based on the idea of judging the fitness of consumers to receive the blessing of debt. I'm guessing they are comprised of almost nothing but balls. 70% scrotum, 29% testicle, and the remaining 1% is every other part of their anatomy.
you are hoping that a company that is only a hop and a skip away from full legal autonomy feels negative repercussions? that is really cute but really stupid as well. they aren't seriously harmed by allowing this stuff to happen and it requires effort to change there is so little regulation that the money they pay out in litigation and fines is easily made back and they are so tied into the network that even if they are held to account there is little chance of dissolution making it monetarily unnecessary to preserve the privacy of the persons whose information it is they keep. at this point the us government has to legitimately fall to affect mega corporations like equifax in any serious way so for sure noone is able to litigiously dent equifax's ballsack let alone take it clear off
You know, that would be fun to hear from a jury. "The defendant is ordered to pay a huge pile of money and must have their ballsack removed and fed to pigs." However, without some sort of credit reporting, there would no meaningful commerce. No home sales, cars sales, business to business loans, no credit lines, no credit cards, nothing. In short, welcome to 80% unemployment and all cash sales.
You act like they're going to be the ones responsible for the payments? They don't make a single payment before walking out with a cashier's check... 13% interest is irrelevant for their side of it apart from the financial institution possibly denying them outright. There's always quickloan shit, they'd approve anyone if they promise them a 120% interest rate.
I’m a college student I’m in the 800s and I was hacked so I’m screwed but don’t really care cause soon the credit score will become obsolete because if this they will need to replace it with something else
Mansquatch312 I'm assuming it's because when you get something on credit from a company, that company has an arrangement with the credit bureau. We are the commodity/product....its ridiculous that it's considered ID theft when the info is really owned and controlled by corporations and out of our hands. Credit is BS.
Well, yeah you kinda did. Whenever you sign up for a credit card, loan, apartment, cell phone, etc. there is a provision in the contract that says that they will be sharing your information with credit monitoring agencies. Whether or not this is *fair* or not... you'll be arguing till your dead (which is probably at this point the safest option)... but give the way the market works, you don't have an options where this clause doesn't appear...but you still agreed to it when you signed the paperwork. Now credit scores are necessarily a horrible idea. Lenders need to know how big of a risk you are before they decide to lend you money or trust that you'll be on time with payments, etc. To determine that, that's why we have a credit history. It's fair that a person who has never missed a payment in their entire life gets a better rating than those that are tardy or late in their payments. In all honesty, the score itself isn't all that meaningful because after all ... people don't go by the score as much as they go by your history and the individual transactions to see how risky you are. The real issue here isn't the credit reporting companies as much as it should be placed on security and the enforcement of it. There needs to be a serious as hell discussion about how to make this industry more secure.
exept for the fact that it blatantly targets a weaker population: the poor. if you have all the money in the world it would be your personal problem if you missed a payment. yet most of these cases are people not ABLE to pay them. the people that do have good money, get beter credit; spend less money. it's like the saying. it's very expensive being poor.
Matthew Buchman the reason it's bullshit is because these banks charge crazy high interest rates and make it almost impossible to pay them off. People who have money don't need credit cards. It mostly affects poor people who don't know how to handle credit.
The "worst" thing that can happen is that my identity can still be sold but whatever poor bastard buys it will have to deal with my debt and sometimes(like what happen to my cousin) they'll actually end up paying it off.
This breach is widely known and basically means credit reports are meaningless. Any company that is defrauded as a result has only themselves to blame. Consumers should not have to freeze their credit or take any steps. Congress should restore consumers natural right to sue if they suffer any financial difficulties dues to so called "stolen identity." The credit reporting agencies currently do not have a viable business model. They need to find alternate ways to identify people.
People are having a hard time freezing their reports. (scroll through some of the tweets here: twitter.com/LastWeekTonight/status/919768474121113600) Not to mention the BS state fees involved to freeze your own information. It's like "I'm going to keep track of every detail of your financial life but if you want me to lock it down it's going to cost you." WTF? :/
Tofu Kingpin - Identification in 'murica commonly uses SSN 'cuz it's federally issued, unlike passports and military IDs that are state issued. This means they most likely will assume that y'er you if you have y'er SSN (and several personal info that they require) right.
To freeze it initially, you have to answer a number of questions about previous loans and addresses and employers that hackers don't have, at least not immediately. After you freeze it, only you have the PIN to unfreeze as needed. But you have to keep track of it.
It's also important to note you can get your credit report from these companies free of charge once a year..if everyone gets theirs now, any would be impostors would have to pay to get it the second time..seems like a good deterrent but a yearly practice
DG I used my brain...you know because these mistakes he made aren't as important as the mistakes being made by these corporations that are fucking us over. Nobody is losing money because he confused their, they're and there...stfu.
Pfft. Karma long overdue in my eyes. Most of what hit them is a direct result of their own fuck ups, which could arguably include all the hurricanes. And I'm supposed to feel for those assholes? I don't fucking celebrate their suffering but I'm not going to treat it as anything special.
Well, it's not like it's the curse of the mummy or something. What happens is usually the result of people's actions. Natural disasters become worse because half the country doesn't believe in climate change and keeps polluting, companies keep abusing the people because private enterprise is god, healthcare keeps being shit because people think installing a sensible system would be communism... I mean, every country has its problems, but when they hit an obstacle, they often stop and think. Meanwhile the US rarely does... and when it does, just wait for the other party to get voted into power and reversing everything.
_Upon learning that his personal credit info has been compromised, supervillain Mr. Freeze places an urgent call:_ MR. FREEZE: Hello, is this Equifax? Yes, I’d like to place a freeze on my credit report. _(pause)_ My name? Mr. Freeze. _(click)_ Hello? … Hello?
It's less the security team, more the people at the top. Imagine if you were protecting a bank and there was a giant hole in the vault, and when you asked if you could do anything about it, your boss said "nah who's gonna go through there?"
SSN needs a serious update. Not a secuencial number (there is people registered with every single number); with picture and biometrics. I mean the US Govt is so stupid to keep using it as an id document, so they either need to upgrade it or make a new document for id purposes and stop using the SSN for that; it was not made for that and is not suitable for that.
2 - 5 step verification process for all credit applications, where the Social Security Number isn't regarded as the most private form of verification.. that would be the best solution.. multiple forms of verification for anyone to open a new account in your name!
MadSnowman You're right about that one. He's too busy buying a house and opening several credit cards in our names. Sad the executives cashed in and nobody got fired.
Watching anything about what happens in the USA from their Firms, GunLaws and Police all the way up to their President it just seems so fucking unreal. No Movie could come up with shit this crazy.
Once you hear the Equifax Lifelock connection it makes you wonder if they let themselves be hacked since they knew they wouldn't really loose money since the money Equifax looses goes to Lifelock
They might as well change the word "lose" to "loose" in the dictionary since so fucking many people can't seem to get it right to begin with. Compliments of your friendly neighborhood grammar and spelling Nazi.
I saw this episode, froze my credit. It saved me a lot of pain because not 2 months later my identity was stolen, but they couldn't do much with it as I had already had all the freezes in place. A big thanks to John Oliver and the LWT team.
Ryan Winch On the next episode of “Things That Didn’t Happen”
WOOOOO
@@kyabatsu r/nothingeverhappens
Ryan Winch r/thathappened
@@kyabatsu why would u assume that didnt happen I believe my mom did the same thing granted her identity wasnt stolen but it's not unbelievable to think something like this happened
I wonder if there's a parallel universe where watching Last Week Tonight leaves you feeling proud of the human species and the state of the world at large.
Tokorai this is actually so sad!! I really wish that was a thing, and can I go there?! Thought it would have to be a problem for the happy show to even happen, there would have to be a difference in brain chemistry, otherwise people might not enjoy it.
Even an infinite number of universes might not allow for the impossible
Oh I do feel proud, even my worst nightmares aren't this screwed up, it's genuinely impressive.
This IS the bizarro universe, where Trump somehow won the election. We're basically living in a Sliders episode.
Would we need or watch this show, in that scenario?
Oh 2017, what a simpler time. When he said “where every headlines ‘everything batshit that’s happened to day’” I cried a single tear. What I would give to have 2017 like news instead of now.
Now we have literal batshit with a virus thanks to a chinese boi eating bat soup 😂
@@TheRealOnlineAcc no he ate pangolin soup, made from a pangolin that got infected by a bat.
Still disgusting, but at least we have the facts right now.
Nah things have been a shitshow since 2016. Just seems worst now cuz its recent
@@xmlthegreat pangolin sliders bruh
I thought this shit was recent smh made more sense
And not a single person went to jail over this...
'Murica.
i know this is a late comment but nope they just pass the buck. “oops, sorry my bad but it was so and so’s fault!”
4 of the people who hacked equifax did get changed
As an engineer, I can bet the engineer's knew about the flaws and vulnerabilities but were ignored by the management.
I'm willing to bet on that, too. It's almost always the case unfortunately.
Preach it. Security always takes a backseat, and then if you have an incident, you also get to be the sacrificial lamb.
Because cyber security is REEEALLLY expensive and boring, so we'll get to it later, gotta save up for our next ad campaign.
nobody thinks about the I.T department, until it's all too late and everything is broken.
As a programmer that has dealt with computer security issues in the corporate sector, I can absolutely 100% confirm that it happens _all the time._ Executives are pure evil about 90% of the time.
Why wouldn't they just do it on purpose?
I do have to admire how informative the show is. Not just talk.
Henri-Ansel Vallee this show is literally the worse
Look up Philip de Franco if you actually want someone not spewing liberal trash or conservative bullshit
I've been watching Philip de Franco since 2008 and it is nowhere near to this show when it comes to being informative, he simply has too much to cover in 15-20 minutes. But i do appreciate him bashing both sides.
Andrew Adricatico
The worst? This show is the most informative show out there and you say it's the worst? This video has informed me waaay more on this issue than Phillip did and I like Phillip Defranco but his take on this wasn't as depth as John Oliver's.
Yes, it is the worse. Absolutely suck. I hates it. Just the worse.
(Being sarcasm)
It is informative, but do not forget it is also opinioned.
Not all their positions is to take by the letter.
I’m disappointed John Oliver didn’t mention the girl who went to the Equifax hearing as the Monopoly Man. She is an American Hero.
Erin Leitner Oh, so that's who was having trouble with their hat in the background of those video clips. All I could see was that someone was trying to wear a formal top hat indoors, for whatever reason. Someone should have told her to remove her hat because there's a lady present.
John Francis Doe interesting
Can you put a time stamp?
@@dowskivisionmagicaloracle8593 www.washingtonpost.com/news/the-switch/wp/2017/09/19/equifaxs-top-security-exec-made-some-big-mistakes-studying-music-wasnt-one-of-them/
+Totally Nameless While it doesn't excuse unmeritorious "diversity" hiring this piece did (inadvertently) present the ongoing problem of carpet baggers in the ICT industry that started around the dot-com boom. The costs of maintaining and cleaning up after some of these people is immense because they don't understand fundamental information systems principles or how to properly design and plan. Either way, thank you for the informative article.
"The people in charge have done literally every thing wrong" -John Oliver 2017
Doesn't that describe America in every single imaginable possible way?
Novuu Kami Vron pretty much 😂
the perfect description of every episode of this show-
@@novuutheneolf Also the UK, sadly. Possibly most of the world.
It's just so infuriating that a company who didn't have to ask you permission to obtain and store your data, can lose it through massive incompetence, and it's you who has to take action to protect yourself. I don't want to have to lift a finger to fix a mess I didn't cause. To have to pay them for the privilege of freezing my credit, or monitoring it every year after the first free year...well that's just bullshit and insulting.
hzuiel Exactly.
If they have your data it's because you opened a bank account or something and signed a paper at that time which gave the bank permission to give Equifax your information. So they did get permission. It's just impossible to not give them permission, unless you avoid ever using a financial institution for your entire life.
+aCynicalPie Has anyone ever actually told you who they were checking your credit with? Because there are the big 3, and then a bunch of other small ones, and they could check anywhere from 1 to all of them, if i tell a bank they can check my credit history i don't really have any control if they decide to use equifax to check my score or trans union, or both, or a smaller local credit bureau. I have never been informed who my credit was being checked with, and inevitably with only 1 or 2 exceptions that info will wind up on all 3 of the big credit bureau's reports.
Then consider that you need to use those services to live anything remotely approaching a normal life in the modern world and the problem should be apparent, it's not as if you can just choose not to have a file at a credit bureau and live your life like anyone else. There's only one type of life you can live that way, amish. You can't get utilities turned on, you can't rent a place to live, you can't finance a place to live or anything else for that matter, you can't have anything besides a pre-paid cell phone plan, you can't even get a job in most places anymore without a credit check. Basically the only people unaffected by the need for credit these days are people who are born into enough money to pay cash for everything for the entire rest of their life. It is an illusion of choice, you can't actually choose between the two options, the options are live without it or live with it, and you can't really live without it.
I’m not sure what we could do to fix any of that besides hold the companies more accountable, maybe make it mandatory to tell customers within a shorter amount of time. It’s still terrible for everyone involved. I think these things need to be more open, I hate how closed off businesses get to be.
I don’t want to have to take such huge gambles to do normal life stuff. It’s infuriating.
Why is the conversation "we need to be vigilant and protect ourselves" and not "industries need to fundamentally change how they use our information"? If half of U.S. citizens are compromised shouldn't the way you sign up for credit be changed?
145M Americans. Sure, it's about half the population, but then you realize...what percentage of the country uses credit cards?! I'd say about 95% of CC users have been affected.
Because industries wont change unless it threatens their shareholders in some way.
Because the government would have to institute a policy to force the companies and the people in charge of the government are too busy taking handouts from the companies to make them have to spend money on anything. The US is bought and paid for by monopolies and we're merely the resource waiting to be harvested.
How dare you suggest something reasonable!
We may very well have had an opportunity if it weren’t for Senator Turtleman blocking any attempt at it. (That’s Mitch McConnell, BTW.)
I know this is about Equifax but can we just take a moment to give a shout-out to the editing and Photoshop team that makes all those crazy graphics on the top left. That stuff isn't easy and they do it every week to fit the show. Props to them.
+
The more amazing thing to me is that is their staff. Whenever there is a graphic of an angry man taking a sh*t it could be anyone from their cameraman to the producer. That is dedication.
Ikr? Such dedication. And the quality never wavers
Haruhiro Grimgar I still remember that one from several weeks ago with the guy masturbating with a horse stuffed animal. He really took one for the team.
It'd just be great to hang with friends and have one of them ask you how work was going. "Great actually; last week I spent six hours making the Kool-Aid man masturbate furiously!"
And the selling off of the stock like that has to be a crime. At best, it violates anti-trust laws; at worst, it's borderline insider trading.
John Gamble, Rudy Ploder, Trey Loughran. Look them up, they're starting new businesses as we speak. We need to spread the word and make them pay, or they'll do the same shit knowing no one has the will to take them down.
I'd say it's obvious insider trading!
Under present laws all management personnel in the company MUST plan the stock sell at least 12 months in advance and use a neutral 3rd party (stock broker) to do the transactions. This means that the stock sale deal was actually signed into contract before the breach happened and before it was found out. It is not related to the breach and thus is why it does not violate anti-trust laws.
@@StrazdasLT Funny coincidence, tee-hee.
@@StrazdasLT Ok, but they hid the hack from the public until after the deal went through.
What's creepier than the breach of the reporting agency is that you never signed a contract with these companies and yet they know more about you than the government.
I know, right? "Hey, so I understand your company is collecting, storing and selling my personal information!" - "Uhh... yeah." - "Well, I'd like you to stop that. It's personal information. I don't want a bunch of random people and companies to have it without my knowledge or consent." - "Ohhhh, you're one of those weirdos. Well sure, I guess we can stop... *if you pay us."*
...Makes me damn happy we have the GDPR here in the "european nightmare".^^
No, it's the dude behind the CEO dressed as Mr. Monopoly.
You never signed a contract with the government either, they shouldn’t have any information about you either.
@@lovefoole6920 yeah no, you signed hundreds of contracts with the government when it provided you write through schemes and infrastructure all throughout your life and you paid indirect tax on almost everything
As a small independent business owner if Were careless with only one persons or companies private information I would be subject to civil and criminal charges. I can loose everything I own, and possibly face jail time.
Ugh, of course that accountability applies to small businesses, but Equifax remains unscathed. This country is trash.
Tyiff Pejic that has been a firmly established fact about this country. Where's the current CEO of equif***? He deserves to get knocked the f*** out.
@@tyiffpeijc8702 Not just the US is plagued by this problem, The Netherlands is as well, we have an organisation called the Authority for Personal Information, which seems to turn up in court cases against companies abusing the law concerning the usage of personal information more and more on the side of the abusing companies, while they actually should be protecting the regular consumer/citizen.
The National Donor-register (for registering organ donors) recently had an incredibly moronic security breach in which a hard drive full of personal information of about 1,3 million people got into the wrong hands (oh, and the drive was UN-EN-FUCKING-CRYPTED !) .
The National Donor-register didn't really apologize, and even had the balls to say "There is no serious risk of the information being abused for identity theft, because you need more information for that", and the news article about the breach actually stated "The information contains names, addresses, birth dates, postal codes and the social security number" and I was like "Hmmm, what security-checks do some companies ask you over the phone to verify it's actually you who is calling? Oh I know, they ask you your address, your name, birthdate and sometimes, the ones who are allowed to, your social security number, what could possibly go wrong!?"
But they have gotten away with an investigation and apologizes later on, no fine at this moment, which I really do not understand.
It's like this game of capitalism has been rigged from the fuckkng start
Am I the only one outraged by the fact that in the US you can take a loan in somebody's name just by knowing a few pieces of data that are impossible to change or cancel?
In Poland, I have a standardized ID card that I need to show to accomplish anything in a bank, and the minute I lose it, I can report it missing and nobody else can use it from that point on, then I get a new one. There are still ways to get defrauded, but not so ridiculously easy as in the US.
When you make money over someone’s debt, money needs to be as accessible as possible. Its America..
"everything's batshit bananas again" I had to check the date on this video to make sure it wasn't just recently uploaded.
Same
I'm afraid this expression will apply to the whole 21st century, and there are 80 more years of it...
Well did you hear about the heat ray happening at the same time as life on Venus yet?
Sometimes I go back to the older LWT videos to see what we thought was "whoa, so crazy"
Yep
When a man dressed in a cow-print suit on Fox Business is the only one willing to call out companies for still using Equifax, you know we’re in dire straits.
Those big wigs that sold their shares right after the breach should be imprisoned for, at the very least, insider trading.
Button Nose like martha stewart? Heh. They need 10 years in general pop
Ya why isn't that already happening, I'm so confused.
Waypoint oh God that sounds like a jurisprudential disaster. Thanks for letting me know. I'm sorry for the folks who have already/are going to be affected by this, this could create so much difficulty in the lives of ordinary people.
The fact that they had shares in a company they worked for should be hella suspect. That's a conflict of interest.
Actually it's common for employees and execs to have stocks in the company they work for. A lot of companies even offer company stock as part of the compensation package. Waiting to announce a disaster publicly to give them time to sell is hella unethical though
Setting aside the horrific negligence and mismanagement of a massive credit company, I wanna point out how funny it is when John interacts with the audience. Just shows how endlessly charming John Oliver is.
For real
One of my co-workers had his credit card information stolen about a year ago. The local credit union that his money is with notified him almost the same day, canceled his cards, and sent him new cards within a few days. He was also a member of LifeLock at the time due to free membership from a security breach at a retailer. To this day, he still has not heard anything out of LifeLock from that incident.
"The people in charge did literally everything wrong"
*looks at the current covid situation* Yep
‘A huge pain’
Hackers first made their way into Equifax’s systems through the digital equivalent of an open door. For two months in 2017, the company neglected to patch a known software vulnerability. Then, four officers from China’s People’s Liberation Army - Wu Zhiyong, Wang Qian, Xu Ke and Liu Lei - spent two months inside, stealing names, Social Security numbers and other information about nearly half the people in the U.S., prosecutors say.
Making matters worse for the FBI was that Equifax representatives slowed down the investigation by refusing to share any details that weren’t vetted by outside attorneys. At times, the company moved so slowly that people inside the Justice Department briefly considered issuing a subpoena, according to the former official.
There are calls for the SEC to investigate and punish Equifax... Then you find out the SEC was also recently hacked.
D'oh!
SEC must punish management for insider trading, knowing a bad news and sell stock before tell to the market
th-cam.com/channels/WvMmm_sSdgALpo1Ci4WvtQ.html
Why are there so many spam comments?!? So Annoying
fakeclip.info/48_ftsgbsns99.html
Between the konami code, Zelda and other Nintendo references and now Wario, I'm convinced this guy is a hardcore gamer at least in the Nintendo realm.
Credit monitoring should really be part of a government agency. I understand people don't trust the government but it's better than barely regulated monopolies
reluctantmuggle the government already has all that information so I guess why not, plus they should be more secure since they wouldn’t worry about profit and revenue
If the government credit score system were breached like this things would change after the fact.
And since the government can't buy politicians with donations if something needs to be addressed congress can actually go on the war path to fix things rather worry about stepping on the toes of donors.
LMAO Pepperidge Farm. Some people are going to believe you, too. Some others are going to think you're serious and jump all over you.
I love it. People don't trust the government because they fear the government could act in its own interest rather than in the peoples.
An then they think for profit companies are the solution who we know for an absolut fact will and very much expect to do so. I mean seriously where did complete privatisation do anything good for the mayority of the people? Education? Health care? Defense contracts? Infrastructure? Media? Pretty much all of your problems can be traced back to the idea that a completely free, unregulated market will sort it out and yet you defend it with your life. You don't want to be called dumb all the time then PLEASE explain this nonsense to me!
I'd totally be a rich dog assistent.
I might actually just be a poor dog assistant.
Ivanka's already taken that spot...
andrineslife assistant*
Spell check your resume before you submit it
andrineslife I want to roll joints for rich people...
After this I honestly think equifax should just go under. This is absolutely ridiculous. I work in I.T and know patching can be a pain, but when you just blow off warnings, etc that is just idiotic.
jtech0 That "warning from department of homeland security" was just their daily/weekly list of everything that offered a security update that day/week including a page about that one patch that might have been the problem. There have been more than 10000 of those warnings this year, and some of the patches are worse than the problem, which makes it hard and time consuming to decide if each patch is good, bad or don't care. All of IT is basically fucked after some of the biggest suppliers decided a few years back that putting poison and boobytraps into security updates was good business.
It doesnt matter. If equifax goes under a new one will just take over. We need to fix the laws so the data could not be stored like that in the first place.
Yeah and remember what happened like what, not even 2 weeks ago? Jfc
@@StrazdasLT Well, there are some genuine reasons why you would want to store that information, but clearly better regulations are needed, with more oversight in the industry at large.
The greatest line of this segment is: everyone in charge has done literally everything wrong. You are a true peoples champion oliver. We may have failed this city, but not you. Never change you blessed god of a man.
If anyone steals my identity they're just going to owe more money than they do now...
Lol right?! Laugh outside cry inside!
Sound like your a loser
John: *Is father*
Also John: 2:45
If someone stole my SSN, I bet my credit score would go up.
Who the fuck wants my SSN it's more worthless than wet toilet paper
anybody else gonna point out that LifeLock CEO Todd Davis is probably a recipient of Toys for Todds?😂
🤣 omg I just realized that
These videos are proof that Last Week Tonight deserves an Emmy..no wonder they won. Keep em coming John Oliver 😊
Days since last being Rick Rolled: 0
DriftKingNL oo now I'm prepared...
Turn that days into hours and you'd still be correct about 95% of the male population.
I read this as it rolled and I lolled
Ssshhhush.
Tom K oh
Ahhh, THIS is the Fraggle episode! I was looking for this. :)
8:27 whoever made these subtitle is awesome. (Audiance laughing in disbelief)
"LINGENBERRY LAHONEYBALONEY"
Omg, I can't. 😂😂😂
I have no idea what he meant by that: all I know is thats how I’m pronouncing her name now
Who still remembers Equifacks, Experianne and TransOnion from that episode a few years ago?
Actually, the third one was TramsOnion.
But anyway, yeah.
I am here in April 2018 to tell you that equifaxfraudprevention.com is still alive and well. God bless this comedian.
Nice, I was curious but too lazy to type it in myself
It's October and I couldn't reach it.
It's still up and working!
@@jazzman5115 Still up
@@bthy384 still up now too
Giving Equifax a contract to prevent fraud is like giving Cookie Monster the cookie jar, or giving a fox the keys to the henhouse.
Can't believe he didn't mention the guy dressed as the monopoly man behind Rick Smith at the hearing. That was comedy gold.
The person identified themselves as non-binary gender neutral, that is if we want to be specific
basicaly we are fucked, nothing we can do about it, and just pray the stolen info isnt used by anyone
TheGeckoNinja we live in a fucked up system that benefits corporations, and Fucks anyone who doesn't have a minimum 7 figure sum.
Info here
th-cam.com/video/V5qJJTx5T1Y/w-d-xo.html
Lifelock isn't too bad. I've actually been alerted about suspicious activity. It's better than nothing, ya know?
Half of us Americans are unaffected. You see we are so poor our credit is fucked and nobody could take advantage of our information anyways.
Praying doesn't do much so you're just fu*ked.
what a wonderful fucking time to start your adult life
8:51 is that a rick roll in 2017? Yesssss I hope that meme never dies.
I watched this while trying to forget that i had lost my phone in the toilet and then he came with the joke about putting Rick Smith in rice when he's wet and now I am mad again
When it's 50% of the population... it doesn't leave anyone you love alone statistically, let alone you don't want it to happen to anyone (strangers).
It's roughly 50% of the _total_ population of the US, but it's 99%+ of the _working_ population of the US. THAT is the legitimately scary part.
Subtract everybody under age 18 and those affected is an even bigger number of the population.
Considering the population too young to have ever needed to use Equifax, or too young for a bank, landlord, employer, car dealer to require a credit check, you might as well assume all adults have been affected. Because we as individuals never even needed to use Equifax, we just needed to do business with an entity that did. 145 million people is much more than half the adult population. And this is just the breach we know about. Not including all the other, more minor breaches they haven't issued alerts about.
Ever hear of paragraphs? Idk why your putting every thought into a new comment.
The more i watch John's segment and reading news about US, the more i wonder how the US survived this long...
Harley Q. the problems US are having right now, from crisis in Puerto Rico, mass shooting that happens more than it should, to a basically impotent government, it makes my country Indonesia look a lot better. Not saying that Indonesia is better, but i'm just saying that it look better by comparison.
I am reading comments that totally degrade this entire country...myself included...and I just smile and think...who can blame the people of the World for finally speaking the truth? I am literally surrounded by millions of people who sit back and watch innocent women, children and men get shot down in the street. So many things here make me so sick. (The food, air, water and blind followings) The Divided States of America...a revolution is brewing...there's literally no other way to correct this insanity...it's way too many imbeciles and not enough corrective actions by the intellectuals.
Jamila Monaco i sympathize with what's happening in the US. I know that the current US government doesn't reflect the average american citizens. And personally, and i think should be the norm everywhere, is that when the government doesn't represent the people, it's time to make a change.
Syahreza Difachri Exactly why a revolution is the necessary corrective action. An impressive uprising of The People is the only way to be heard through the insanity. I have an idea but it takes all people to be united. The enterprise has done an oustanding job with brainwashing and dumbing down The People it will take a literal act of God to make my idea come to fruition.
Jamila Monaco well Indonesia had experience with such revolution. To sum it up, in 1998 college students and young people across nation got fed up with 32 years regime of a president, gathered in the capital Jakarta and all kinds of hell broke loose. And then, 19 years since the revolution, we're getting better. I think the key and driving force behind any revolution is every young people who want make their country a better place. Like back then when US gained indepence from british, CMIIW but many of the major player is "young".
There needs to be a corporate equivallent to the death penalty, and Equifax should receive it. This sort of thing should be sufficient to take action to ensure they cannot cause so much harm through incompetence/apathy ever again.
I'm just said he didn't mention the guy who dressed as Rich Uncle Penny Bags (monopoly guy) during the senate hearing
It seems just WRONG that Equifax should now make millions of dollars off their own carelessness, while their victims -- us -- have to live with this nightmare forever. Equifax offers to give credit monitoring free for one year. I think they should have to provide that service free for life, for anyone whose info was or is in the future compromised by their carelessness. That might take away some of the incentive to allow hacks like this to take place.
Deedee sales 101 create demand
It IS wrong, but they are going to get away with it because they have money. The only way they will have to answer for their negligence is if the rich and powerful are compromised (but that's probably not going to happen, as those people would probably have the most secure systems money can buy).
I felt the same exact way, but according to their website, they are going to do that at the end of January 2018:
------------------------------------
*I recently heard about a new credit lock and monitoring free service that Equifax will begin offering by January 31, 2018. What will this new service do?*
This service will empower consumers to control access to their Equifax credit file directly - for free, for life. We will announce more details on this service but importantly, consumers will be able to use their smartphone or computer to lock and unlock their Equifax credit file directly and quickly.
------------------------------------
I'll believe it when I see it, but it might make sense to offer an olive branch to the "chickens" before they demand something more official from the government. Most of their money comes from the big companies who want to see our credit reports, so it might not be that much of a write-off for the sake of a little consumer good will.
Why are Social Security numbers, something wholly insecure and un-changable, used as Identification for the most important things in our lives?
+asherael Because people that keep structures like these, can't be fucked to spend effort or budget to fix something that "works well enough". Well, here's their proof of concept. I bet they still won't care.
asherael this is our lawmakers making sure we are screwed,only the rich are really protected.
asherael they actually weren't meant to be. Look up "cgp grey social security number" if you wanna find out more
Agree with the concern, but it’s not the number, it’s how it’s used. The number is just another name for each of us. The fact that this number/name is all that is required to set up an account is crazy. There should be at least a phone call to a known number, lawyer, bank, whatever to confirm who this request is coming from.
You can't do much with *just* a SSN. It's not the only thing needed: they also need your full name, date of birth, current address, current employer, and probably a couple other things as well, but guess what? All those things were stolen in the Equifax breach too!! *That's* what's going to eff us.
And in this age of information automation, a credit app submitted nowadays might NEVER be reviewed by a human during the entire process. The denial or acceptance letter can emailed without anybody having to look it over.
Someone steals my info, joke's on them. Maybe they'll improve my credit! LOL
Aniyunwiya Ageya exactly! In fact, I’m hoping that the bill collectors will start hounding them instead of me.
Same here! Truth is I quit having anything associated with robber baron businesses - no banks no cards nada anything! I'm actually living a much happier life - fuck Equifux....
thanks Oliver team. All credit is now frozen.
A sane government would already fined Equifax ass and gave the money to all the victims or their negligence.
Money??? To our people???? It's less likely than you think
I think 99% of the damages will happen in the next months or years. Social security number theft is usually done by the dozens, not by the millions. I guess the black hat market has yet to adapt to this, but it will and people will find ways how to monetize millions of identities at once.
This is some real life Mr.Robot kind of stuff
Harley Q. Well, I mean, you got a Star Wars icon as your avatar and a super villain as your username, so I mean pot and kettle
if you didn't clap during the 'down at fraggle rock' bit, you're a monster.
Provided you know what a fraggle is lol
Oh look. More millionaires that belong (but won't end up) in jail.
God bless America
Kkas10 start the communist revolution /s
Kkas10 Eat the rich? Eat the rich.
mondovb Yes, kneeling during your anthem will stick it to all those rich cretin that don’t care about you. Self-defeating twat.
Or a reason to stand for it b/c the only way anything will change in this country is if the people stop fighting with one another over small differences in opinion and fight for a change instead. Stop electing these paid for government officials who are all golfing buddies with the CEO of equifax... Vote for people who can prove they don't have ties with corporations. If you vote for anybody with ties or refuse to vote b/c you know it wont matter you are the problem. Stop fighting your fellow civilians and fight the policies that cause all the shit.
In Spain we have like a bunch of id cards, Spanish id, [Insert Comunity] Healthcare id, Spanish Healthcare Id, Passport, Spanish Work Id and many others that are optional like driving licence,European Healthcare id, big family id, student id and so on. Every card belongs to a specific governmental organization with their own security mesures, so if my healthcare security number got leaked they could literally do nothing, even my healthcare history has it's own number. The Spanish id is suppose to be the most important one and when it's issued they give you a secret code that it is needed to prove your indentity online. You can even inscribe your credit/debit card to a security european organization in a way that you cannot make any big purchase in the internet without a specific secret number, also many banks offers the option to have different security mesures such as the 2step verification. All together makes impersonating a really hard task where they literally would have to kiddnap you in order to impersonate you. For real USA, making loans with just having your social security number? that's securitywise awful.
Damn, that sounds like a dream come true.
Congrats on living in a country where people care for each other.
It similar in all European countries. Identity theft usually never happens around here. It's just the US and other 3rd world countries that are messed up.
You can blame the government. Identity cards are considered racist here.
How has this post not been up voted to #1?!
The "And Now" segment before this story was awesome, especially the part when Tucker Carlson questioned whether Pumpkin Spice Lattes were racist, lmfao.
This was the segment I’ve been waiting for since September.
Honestly, it might not have been as cathartic as I wanted it to be, but I’m glad that John covered some of the biggest points and warned others that probably didn’t hear about it. It’s just frustrating that a company that most of us had little to no contact with breach some of our most important information.
The sad thing is, I’m not quite sure what should be the game plan in the long run. Many people suggest moving away from using SSNs as an all-around identifier, and I agree, but how long will it take to develop the plan (and possibly the technology) to do that?
Regular dose of adult education, thank you Mr. Oliver 🙏🏾🙏🏾💕
i love how Equifax attempted to make their picture there look nice and technical with the sick looking code thrown around in it, meanwhile it's simply dumb 101 level poorly formatted Java code that just prints out two given numbers swapped
Lofti I didn't even notice that, that's hilarious.
Lofti
LOL thank you for pointing this out. Made my day.
The Frasier jab was brilliant. Im dying.
If someone steals my identity, they'll proudly give it back upon running my credit and criminal history
Join the fucking club dude lol
The Rick Smith rice joke is so good.
This whole situation is the reason I decided to pursue cyber security. Maybe one day we won't have these breaches every single day
Harley Q. And what would that be?
I'm reading Data Protection laws right now, and I agree. This is a pressing matter right now, across the world. More power to you
LOL, with cyber wars and stuff. Good luck.
Rem. Thanks mate
AWWWW YEEEEEEAH.
Can never have too much John Oliver.
Isac gotta say, that's a bit harsh coming from an Oliver fan. Have you been watching the daily show more often by chance?
#triggeredmuch?
Isac fuckering
Can never have too much Marxist propaganda, oh wait..
Oh, those pesky Marxists!
I love how, not only is this informing and hilarious, but it's also helpful at the end. Great work!
I can't believe he didn't point out the Monopoly Man in the background of the Equifax hearing.
i can't believe he didn't point out ur mum
Monopoly Man is crazy..... Watch the entire video and he will make you LYAO.....
Can I have a time stamp?
+Thunder Jay
13:17
Far right of the screen.
cool, thanks
I hope every business stops using Equifax. I hope this company gets the ballsack sued off them. I hope credit reporting as an industry dies. It's corrupt, incompetent, and exploitative.
they won't. because THEY are the ones profiting. and usa has bearly any regulations on anything. so they won't care and nothing will change unless we all speak up
Lmao they have balls?
This is a company that demands everyone's most important personal information, fails to secure that personal information, conceals the most serious data breach in US history for weeks, tries to trick people into giving up their right to sue, and charges people for the ability to protect themselves from the consequences of having their personal information stolen. Their whole business model is based on the idea of judging the fitness of consumers to receive the blessing of debt.
I'm guessing they are comprised of almost nothing but balls. 70% scrotum, 29% testicle, and the remaining 1% is every other part of their anatomy.
you are hoping that a company that is only a hop and a skip away from full legal autonomy feels negative repercussions? that is really cute but really stupid as well. they aren't seriously harmed by allowing this stuff to happen and it requires effort to change there is so little regulation that the money they pay out in litigation and fines is easily made back and they are so tied into the network that even if they are held to account there is little chance of dissolution making it monetarily unnecessary to preserve the privacy of the persons whose information it is they keep.
at this point the us government has to legitimately fall to affect mega corporations like equifax in any serious way so for sure noone is able to litigiously dent equifax's ballsack let alone take it clear off
You know, that would be fun to hear from a jury.
"The defendant is ordered to pay a huge pile of money and must have their ballsack removed and fed to pigs."
However, without some sort of credit reporting, there would no meaningful commerce. No home sales, cars sales, business to business loans, no credit lines, no credit cards, nothing.
In short, welcome to 80% unemployment and all cash sales.
Didn't that Equifax CEO get 'fired' with a multi million dollar severance package? In-fucking-credible.
He gets to retire with $90 million, awesome. fortune.com/2017/09/26/equifax-ceo-richard-smith-net-worth/
AlucardRemixed phenomonal
Welcome to America. The more money you have, the more likely you are to get rewarded when you seriously fuck shit up. Isn't capitalism grand?
"One colorfully dressed man..."
What does he mean by- HOLY GOD.
This was actually extremely informative and entertaining 5 stars 10/10 A+
my credit score is about 435... Good luck getting a loan in anything lol
There's a loan for every score. Enjoy the 1000% interest rates.
You act like they're going to be the ones responsible for the payments? They don't make a single payment before walking out with a cashier's check... 13% interest is irrelevant for their side of it apart from the financial institution possibly denying them outright. There's always quickloan shit, they'd approve anyone if they promise them a 120% interest rate.
John Doe there isn't.
I’m a college student I’m in the 800s and I was hacked so I’m screwed but don’t really care cause soon the credit score will become obsolete because if this they will need to replace it with something else
"That angry business-casual farm animal" 🤣🤣🤣
Why do we even have credit reporting agencies? I know I never signed a user agreement letting them follow every financial move I make.
Mansquatch312 I'm assuming it's because when you get something on credit from a company, that company has an arrangement with the credit bureau. We are the commodity/product....its ridiculous that it's considered ID theft when the info is really owned and controlled by corporations and out of our hands. Credit is BS.
Well, yeah you kinda did.
Whenever you sign up for a credit card, loan, apartment, cell phone, etc. there is a provision in the contract that says that they will be sharing your information with credit monitoring agencies. Whether or not this is *fair* or not... you'll be arguing till your dead (which is probably at this point the safest option)... but give the way the market works, you don't have an options where this clause doesn't appear...but you still agreed to it when you signed the paperwork.
Now credit scores are necessarily a horrible idea. Lenders need to know how big of a risk you are before they decide to lend you money or trust that you'll be on time with payments, etc. To determine that, that's why we have a credit history. It's fair that a person who has never missed a payment in their entire life gets a better rating than those that are tardy or late in their payments. In all honesty, the score itself isn't all that meaningful because after all ... people don't go by the score as much as they go by your history and the individual transactions to see how risky you are.
The real issue here isn't the credit reporting companies as much as it should be placed on security and the enforcement of it. There needs to be a serious as hell discussion about how to make this industry more secure.
We don't have credit score in my country and things go well regardless
exept for the fact that it blatantly targets a weaker population: the poor. if you have all the money in the world it would be your personal problem if you missed a payment. yet most of these cases are people not ABLE to pay them. the people that do have good money, get beter credit; spend less money. it's like the saying. it's very expensive being poor.
Matthew Buchman the reason it's bullshit is because these banks charge crazy high interest rates and make it almost impossible to pay them off. People who have money don't need credit cards. It mostly affects poor people who don't know how to handle credit.
So.. no possibility to sue, lets bring out the pitchforks & torches!
I heard they have szechwan sauce, when do we Purge?
Good thing my credit score is already fucked up. So they can't even use it😎
Cartman C really makes me wish that the hackers would've changed my credit score while they were at it...
^ they can and they do it to launder their money using ur name and ssn...
Motherfuckers think it's a fucking joke
The "worst" thing that can happen is that my identity can still be sold but whatever poor bastard buys it will have to deal with my debt and sometimes(like what happen to my cousin) they'll actually end up paying it off.
Thank you John Oliver & the LastWeek Tonight crew for researching and presenting this.
That penguin video is hilarious and adorable lol
This breach is widely known and basically means credit reports are meaningless. Any company that is defrauded as a result has only themselves to blame. Consumers should not have to freeze their credit or take any steps. Congress should restore consumers natural right to sue if they suffer any financial difficulties dues to so called "stolen identity." The credit reporting agencies currently do not have a viable business model. They need to find alternate ways to identify people.
and what you said is all as it SHOULD be. but it's not. reality is much darker.
winston_smith Wow, that's so smart and reasonable. If only we could make it happen.
winston_smith thats y cash is king
People are having a hard time freezing their reports. (scroll through some of the tweets here: twitter.com/LastWeekTonight/status/919768474121113600) Not to mention the BS state fees involved to freeze your own information. It's like "I'm going to keep track of every detail of your financial life but if you want me to lock it down it's going to cost you." WTF? :/
But how will they know it's me who's freezing and unfreezing my credit?
Tofu Kingpin - Identification in 'murica commonly uses SSN 'cuz it's federally issued, unlike passports and military IDs that are state issued. This means they most likely will assume that y'er you if you have y'er SSN (and several personal info that they require) right.
Noterare but what if I'm like Todd and my SSN has been stolen and now not-me is unfreezing my credit? D:
I doubt someone with valuable information like that would give it up by freezing the account.
To freeze it initially, you have to answer a number of questions about previous loans and addresses and employers that hackers don't have, at least not immediately. After you freeze it, only you have the PIN to unfreeze as needed. But you have to keep track of it.
It's also important to note you can get your credit report from these companies free of charge once a year..if everyone gets theirs now, any would be impostors would have to pay to get it the second time..seems like a good deterrent but a yearly practice
These executives that sold their stocks should be in jail. We need to actually punish rich people...
There, they're, their. Three different words with different meanings.
DG oops i wrote that comment on the toilet this morning. Spell check was not at the top of my list
Victor Gutierrez lol
DG I used my brain...you know because these mistakes he made aren't as important as the mistakes being made by these corporations that are fucking us over. Nobody is losing money because he confused their, they're and there...stfu.
This is terrifying. America, I hope things will be better. It feels like it's just one disaster after another for you guys :(
Faith G yeah... that's pretty much it. We are just a few months away from settling disputes in the Thunderdome.
Pfft. Karma long overdue in my eyes. Most of what hit them is a direct result of their own fuck ups, which could arguably include all the hurricanes. And I'm supposed to feel for those assholes? I don't fucking celebrate their suffering but I'm not going to treat it as anything special.
borot man casual American here...
I agree with what this person says
It won't get better. I'm leaving as soon as possibly can
Well, it's not like it's the curse of the mummy or something. What happens is usually the result of people's actions. Natural disasters become worse because half the country doesn't believe in climate change and keeps polluting, companies keep abusing the people because private enterprise is god, healthcare keeps being shit because people think installing a sensible system would be communism...
I mean, every country has its problems, but when they hit an obstacle, they often stop and think. Meanwhile the US rarely does... and when it does, just wait for the other party to get voted into power and reversing everything.
_Upon learning that his personal credit info has been compromised, supervillain Mr. Freeze places an urgent call:_
MR. FREEZE: Hello, is this Equifax? Yes, I’d like to place a freeze on my credit report. _(pause)_ My name? Mr. Freeze. _(click)_ Hello? … Hello?
LMAO!
Love this!
Just got notified, I will be receiving my Equifax settlement payment soon, thanks Last Week Tonight and John Oliver.
So we're all fudged 🤔
You misspelled "fucked"
mariel ivana you’ve been fucked for 3 months lmao
Do pOrn
Do poRn
Do porN
We’re just not going to talk about Mr. Monopoly guy at 13:17?
Far right of the screen.
He did an AMA on Reddit a couple weeks ago.
Well will these hackers clear my student loans while they're at it. Sheesh
They took the info to make money, not to get into debt.
Asmodeus duh, im saying since they can hack into accounts, they can go ahead and hack into my student loans and clear it.
Leondra Fair Some companies have a vested interest in not losing your info..😂
This would be the greatest hack of all-time. The "Student Loan Forgiveness Hack".
Rae hence, y its called being hacked. Overriding security
Gods dang it! John Rick Rolled me AGAIN!!! Well played John Oliver, well played...
BREACH BROTHER
PREACH! lol
H Akhio how tf can you see them?
stonematt X-Ray Vision Bitch.
My god, I cannot believe how incompetent is the security team in Equifax..
Alberto Truth So....irresponsible, I guess.
It's less the security team, more the people at the top. Imagine if you were protecting a bank and there was a giant hole in the vault, and when you asked if you could do anything about it, your boss said "nah who's gonna go through there?"
SSN needs a serious update. Not a secuencial number (there is people registered with every single number); with picture and biometrics. I mean the US Govt is so stupid to keep using it as an id document, so they either need to upgrade it or make a new document for id purposes and stop using the SSN for that; it was not made for that and is not suitable for that.
Thank you, I was having the same idea.... It would be costly.... But not as costly as this breach by Equa-freaking idiots
Opening a new way like that may also open up a whole new can of worms...
2 - 5 step verification process for all credit applications, where the Social Security Number isn't regarded as the most private form of verification.. that would be the best solution.. multiple forms of verification for anyone to open a new account in your name!
The Social Security office said when these started getting assigned at birth that they aren't very secure don't use them.
It's the paper you. Kinda hard to do picture and biometrics. You'd have to start when someone is a baby, update constantly.
Watching this now makes my heart weep. Elizabeth Warren is, and has clearly always been, so brilliant.
Yeah she’s remarkable. She should absolutely be president.
Pochantas😂
I'm disappointed by the lack of videos with the guy dressed as The Monopoly Man sitting behind Equifax' CEO during the hearings
PetersaberHD hahaha monolopyman is my hero
+ PetersaberHD - Me too! 🤣
That's a woman dressed as Rich Uncle Pennybags. She did it for the Wells Fargo hearings as well.
According to Equifaxsecurity2017, Todd Davis's personal information may have been impacted by this incident.
Changyuan Pang oh
Bwahahahahaha!!
Silver lining, people won't get any calls from a Nigerian "prince" anymore
th-cam.com/video/Y12DFQbtk8E/w-d-xo.html
MadSnowman You're right about that one. He's too busy buying a house and opening several credit cards in our names. Sad the executives cashed in and nobody got fired.
Anybody else notice the amazing moustache in the background to the right at 13:18? O__O
So, Trump set a new bar for stupid in this country and Equifax said "Hold my beer". Off by a hair, buddy, off by a hair.
Watching anything about what happens in the USA from their Firms, GunLaws and Police all the way up to their President it just seems so fucking unreal. No Movie could come up with shit this crazy.
Once you hear the Equifax Lifelock connection it makes you wonder if they let themselves be hacked since they knew they wouldn't really loose money since the money Equifax looses goes to Lifelock
They might as well change the word "lose" to "loose" in the dictionary since so fucking many people can't seem to get it right to begin with.
Compliments of your friendly neighborhood grammar and spelling Nazi.