Know Your Rights

Target Stores Security Breach

If you are one of millions of American consumers who shop at Target, you have heard about the unauthorized access that took place over the past couple of weeks at Target stores.  Specifically what happened is that access was obtained to payment card data, used in the stores opening up Target customers to fraud and the potential to become victims of identity theft.  Target Corporation says that up to 40 million credit cards and debit cards of shoppers who visited the stores during the last week of November and first two weeks of December are at risk. 

For Target, this security breach could not have come at a worse time.  The shopping that occurs between Thanksgiving and Christmas is the store's busiest time of the year and may deter consumers from shopping at the giant retailer in the future.  In response to the security breach, Target sent out a notice to its customers giving all the facts of the unauthorized access.   Target assured its customers that while it understands misuse of credit card information is stressful, consumers will not be responsible for fraudulent charges and Target will offer free credit monitoring services for any consumers impacted by the security breach.  Target determined that the information involved in the incident included customer names, credit or debit card numbers, and the card expiration dates and CVV numbers or security codes on the back of cards. 

If you believe you are at risk, you should remain watchful for fraud and identity theft by regularly reviewing your credit report and monthly credit card statements.  You can sign up to review your account activity on line so that you can verify that all charges made on your account belong to you and are not the result of fraud.  If you discover you have been the victim of fraudulent activity you should report the fraud to your bank, local police department and the FTC.  Additionally, you must contact all three credit reporting agencies, Equifax, Experian and Trans Union and notify them you have been the victim of identity theft and request a fraud alert be placed on your credit file.  The fraud alert requires any credit grantor to contact you prior to extending credit in your name.

If you believe you may be the victim of identity theft as a result of unauthorized access while shopping at Target and need additional information contact SmithMarco P.C. for a free case review.

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