Equifax: Last Week Tonight with John Oliver (HBO)
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- Опубліковано 31 тра 2024
- John Oliver discusses the massive impact of the cybersecurity breach at Equifax and their massively misguided attempts to mitigate the damage.
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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
@@amedicabg r/nothingeverhappens
Ryan Winch r/thathappened
@@amedicabg 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
Whaaat? A giant multibillion dollar company doesn't give a flying fuck about the people? Nooo waaay. Whoooda thunk it?
Must be fake news.
Remember: you're the fucking chicken.
Ann Nee look up charter spectrum, greatest example. A TV company that got rid of all Viacom channels today
Preach
Ann Nee this is to a whole new level then most corprations. Becuse as he said ushly they have other reasons to care about us. As treating us to badly can lose massive buisness. Even a monopoly has to be more carfull as a customer might chose to go without the thing they sell at all just to spite them. Also as enron learned they can get fined and shutdown. And they can end up in jail. But Equifax seams immiune to all this. No matter how many insider trading laws they break how bad they handle this. They wont lose one penney.
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?
And not a single person went to jail over this...
They never do.
'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?
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.
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
"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-
@@novuukamivron3073 Also the UK, sadly. Possibly most of the world.
Another day, anything thing done horribly wrong.
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.
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.
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.
"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
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.
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!"
"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.
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.
Unfortunately plausible deniability for insider trading is as trivial as saying "oh WE didn't know".
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.
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.)
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
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.
I'm just said he didn't mention the guy who dressed as Rich Uncle Penny Bags (monopoly guy) during the senate hearing
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..
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.
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.
Equifax Just Equifucked its users
That's the thing though, nobody "uses" Equifax really, it's not like any of us Americans has a choice. All of this personal information is given to them against our will. We have no choice.
Equifax is one of three companies that display your credit score.
if by users you mean most Americans yes, it's hard to call us users when we aren't voluntary to their having the information in the first place.
#Equifucked
Except we're not its users, as Oliver said, we're the product being sold to the real users.
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.
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
"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
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
ua-cam.com/channels/WvMmm_sSdgALpo1Ci4WvtQ.html
Why are there so many spam comments?!? So Annoying
fakeclip.info/48_ftsgbsns99.html
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
John: *Is father*
Also John: 2:45
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
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.
Who still remembers Equifacks, Experianne and TransOnion from that episode a few years ago?
Actually, the third one was TramsOnion.
But anyway, yeah.
Giving Equifax a contract to prevent fraud is like giving Cookie Monster the cookie jar, or giving a fox the keys to the henhouse.
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.
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!
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
ua-cam.com/video/V5qJJTx5T1Y/v-deo.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.
anybody else gonna point out that LifeLock CEO Todd Davis is probably a recipient of Toys for Todds?😂
🤣 omg I just realized that
Got my Equifax score up to 799, wonderful such a great one Appreciate your service Mr Johnny Cole 🤝
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.
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?!
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.
Ahhh, THIS is the Fraggle episode! I was looking for this. :)
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
The Rick Smith rice joke is so good.
if you didn't clap during the 'down at fraggle rock' bit, you're a monster.
Provided you know what a fraggle is lol
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.
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
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....
8:27 whoever made these subtitle is awesome. (Audiance laughing in disbelief)
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.
Why the fuck do the US even have social security numbers as their be-all end-all requirement to enter contracts? If I want to apply for a credit card, I have to sign the application form myself and provide a proof of my identity through national ID card or driver's license. How hard is it to implement simple two-factor authentication for stuff like this? I could literally type my Swiss social security number here and it would be of zero value to anybody, because that number is worthless on its own and indeed almost never used when applying for contracts and credit cards. Filing taxes with them is impossible without also having the necessary papers that prove your income, bank balances, etc. So again, why the fuck is the social security number so goddamn important in the US? You'd think they'd be smart enough not to let everything hinge on that one single number.
Americans don't even have ID cards, everyone in that country is retarded.
You're talking about the US, the most backwards of all the developed Western countries. This is a country that still has shitty healthcare and still uses imperial measuring units for God's sake. What did you expect from a country that still has mass shootings every few weeks?
Oh, you know, big government uses big data to spy on people and oppress them and something something something... regulation bad, less corporate oversight good.
On a serious not, I don't know if social security number alone is enough, but that can be used to dig up more information, especially if you have more illicitly acquired information. Also, persistence pays off... A hacker got access to someone's Twitter handle, because they exploited another company's security standards. Basically they had a 4-number security code, and the guy just called in enough times to guess it, then blackmailed the original owner of the handle.
The combined moral of these stories is: Hackers are insidiously smart. They invent ways of exploiting scraps of data people like you or I couldn't even think of. It makes me pretty paranoid.
As swede I agree it is very odd. I give my social security number to the clerk at the store to get bonus points on my membership card (so I don't have to carry the card). It's essentially a unique name given to me by the state, nothing more nothing less.
Well this may change that. It's going to cost credit companies millions if they can't be sure what cards are real and which aren't. They may well start asking for something more after this. Probably your birth certificate since you have no real ID cards.
Social Security numbers were NEVER used as identifiers in any way other than to COLLECT SOCIAL SECURITY well into the 1970's. It was only when credit reporting companies started using them for everything from buying a house, to getting a credit card to having your dental papers FILED UNDER them that they became a problem to have stolen.
In fact if you have an older Social card it actually says right on it "FOR SOCIAL SECURITY PURPOSES NOT FOR IDENTIFICATION" which was added to cards in 1946.
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 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".
That's the shit you get for not having a PROPER national ID card/system, but use the hillariously insecure SSN for everything.
No arguments here. Every country has problems, but some of ours seem so ridiculously simple to fix that it's... well, ridiculous.
I would love to have a proper national Id. Please, tell us Americans how do we acquire one of those?
It’s not our fault that companies decided to use a number that was never supposed to be used in that manner.
Ids have pictures on them (sometimes finger prints on a chip) and you have to sign contracts and legal documents in person.. simple as that
Yes and no. Eastern European here. Even if I lose my Id card it's no big drama. I just could not do some things, because, well I need the ID. You cannot open a credit card account so easily, that's for sure. And in case you lose it, you can reissue it pretty quickly. Mind you, it's not really terribly easy as they hustle you for birth certificate and other non sense. So yeah, I feel pretty safe.
+Claystead
"Germany and Italy even forces you to carry a national ID on you at all times"
Yeah, and what would be the problem with that?
"loss of the ID card can be hard and difficult to replace."
As hard as a couple of hours, and after reading all your comment I still don't get what would be your point, or why you feel entitled to call other people "cretins" just because they agree that having a proper ID works.
Fun fact: It does.
I need to vent. I spent an hour on the phone with Equifax. Trying to prove who I am. My town has two names they would not tell me what answer I answered wrong. So they want me to mail them a copy of my information to prove who I am.when all they had to do was say what I got wrong and I would have corrected it. Is it just me or is the world getting stupider.
8:51 is that a rick roll in 2017? Yesssss I hope that meme never dies.
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.
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...
there should really be a way to change your number if it gets stolen. HOW IS THIS NOT A THING
"One colorfully dressed man..."
What does he mean by- HOLY GOD.
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
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.
This information has saved me! I have been caught in several hacks, but thanks to John Oliver and all this information, people have tried a couple of times to take a loan in my name- but thanks to John, and the freezes with the credit reporting agencies, they couldn’t do it! Thank you, John Oliver!!
This country is literally a hell on Earth. I cannot believe how much material John Oliver even has for his show. I could not imagine living in the US and facing this shitshow every single goddamn day.
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
what a wonderful fucking time to start your adult life
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 got it! Locks? not good. Freezes? Wee! I got it! Thank you, Sir John! You make it easy!
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?
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
when john said "human person", i had alrdy forgotten that guy's name, SO nailing has it been.
Gods dang it! John Rick Rolled me AGAIN!!! Well played John Oliver, well played...
But all the nice, free-market capitalism supporters told me that competition will force businesses to self-regulate and prevent shit like this! It's almost as if that is complete bollocks!
almost?? you still need proof that it is complete bollocks?
This comment is my spirit animal.
Harley Q. Gonna have to disagree there; with sane humans only, we wouldn't *need* laws.
Fluxquark
It's almost as if we didn't enforce the regulations we did make and enforced just enough poor regulations to strangle out competition.
Most of the people that control these companies are malignant like equifax's. Most of them just weigh the benefits against the issues and don't see it being worth it right that moment.
The second it is deregulated enough (which it already is by a large margin) similar situations will happen much more frequently in the public eye.
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
Just got notified, I will be receiving my Equifax settlement payment soon, thanks Last Week Tonight and John Oliver.
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
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.
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 really enjoyed the audience joining in on the fraggle rock bit.
According to Equifaxsecurity2017, Todd Davis's personal information may have been impacted by this incident.
Changyuan Pang oh
Bwahahahahaha!!
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? :/
Equifax should have been liquidated immedietely after a breach like this. Such sheer incompetance. Company gobe, workers relocated and those in charge on an employment blacklist where if they ever got involved in anything resembling financial services again they are charged with fraud and locked up with bail set at 45% of the nation's GDP (let's make bail useful for once)
Anybody else notice the amazing moustache in the background to the right at 13:18? O__O
"That angry business-casual farm animal" 🤣🤣🤣
thanks Oliver team. All credit is now frozen.
Thank you John Oliver & the LastWeek Tonight crew for researching and presenting this.
I didn't know freezing your credit report was an option. John Oliver, I love you more each episode.
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
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.
So I can replay that penguin over and over: 12:27
The US Government needs a 'Department of Accountability' that is responsible for looking into any incompetence that negatively affects their population. This should keep that Department busy for a long time.
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
I want to make equifax pay
That wee sound was something else.
Thank you for working to clarify some big current issues to the general public, Jolliver.
Fuck life is scary
i mean we already know this but fuck it only seems to get scarier everyday
Yup.
But that's why you can't give up! Look at John Oliver! Bring awareness to the issues. Put out fires. Learn. Improve. I know that's super naive, but I don't want to accept that there's no hope. Yknow? ;___;
ey, that's the spirit @ayesha!
Mc FruityBooty nice name lol
yeah, it's easy to feel hopeless in a time like this. But when you think about it, that's kind of what life has always been like.. It's just worse for us because of how fast everything is happening. Everyday, technology keeps advancing, corporations keep growing, all within a government that sucks at regulating it all... mostly because of corruption. But once you try to understand how it works and try to find a solution, like how ayesha put it, it's just a matter of actually doing something. And if that doesn't work, do more research and try to figure out something new. Rinse and repeat. It's easier said than done, but it's what has to be done, especially at a time like this.