Target security breach affects 40 million accounts

The Secret Service is investigating a possible security breach at Target store nationwide.

The company confirms more than 40 million shoppers may have had their credit card information compromised while shopping during the holidays.

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According to USA Today, customers who shopped at the chain after Black Friday through Dec. 15 maybe at risk.

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The retailer said it notified authorities and financial institutions immediately after it was made aware of the unauthorized access, and had hired a forensics team to thoroughly investigate how the breach may have happened.

"Target's first priority is preserving the trust of our guests and we have moved swiftly to address this issue, so guests can shop with confidence," said CEO Gregg Steinhafel in a statement. "We regret any inconvenience this may cause."

The breach first came to light via a report from respected security researcher Brian Krebs that said Target had suffered a data breach around the time of Black Friday last month "potentially involving millions of customer credit and debit card records."

Customers who shopped via Target's website may not be affected.             

The thieves reportedly gained access to data on the magnetic strips of shoppers' cards, potentially allowing them to produce counterfeit versions, according to Krebs.

Security experts said the type of information stolen could be used to make fake credit cards or withdraw money from an ATM, if the PIN number was intercepted.

American Express and Discover both said they were "aware" of the incident and had fraud controls in place.

"This is an ongoing investigation," an AmEx spokeswoman said, declining to comment further.

MasterCard referred questions to Target; Visa did not respond to requests for comment.

Target competitor TJX Companies -- which operates discount retail chains T.J. Maxx and Marshalls -- fell victim to one of the worst security breaches ever back in 2006, when hackers gained access to at least 94 million domestic and international accounts containing credit card, debit card, and check information.

Customers should check their statement or contact their credit card company.

Timeline of major security breaches

Target posted the following statement on the company's website:

Important Notice: unauthorized access to payment card data in U.S. stores

December 19, 2013
Dear Guest,

We wanted to make you aware of unauthorized access to Target payment card data. The unauthorized access may impact guests who made credit or debit card purchases in our U.S. stores from Nov. 27 to Dec. 15, 2013. Your trust is a top priority for Target, and we deeply regret the inconvenience this may cause. The privacy and protection of our guests' information is a matter we take very seriously and we have worked swiftly to resolve the incident.

We began investigating the incident as soon as we learned of it. We have determined that the information involved in this incident included customer name, credit or debit card number, and the card's expiration date and CVV (the three-digit security code).

We are partnering with a leading third-party forensics firm to conduct a thorough investigation of the incident and to examine additional measures we can take that would be designed to help prevent incidents of this kind in the future. Additionally, Target alerted authorities and financial institutions immediately after we discovered and confirmed the unauthorized access, and we are putting our full resources behind these efforts.

We recommend that you closely review the information provided in this letter for some steps that you may take to protect yourself against potential misuse of your credit and debit information.  You should remain vigilant for incidents of fraud and identity theft by regularly reviewing your account statements and monitoring free credit reports.  If you discover any suspicious or unusual activity on your accounts or suspect fraud, be sure to report it immediately to your financial institutions.  In addition, you may contact the Federal Trade Commission ("FTC") or law enforcement to report incidents of identity theft or to learn about steps you can take to protect yourself from identity theft.  To learn more, you can go to the FTC's Web site, at www.consumer.gov/idtheft , or call the FTC, at (877) IDTHEFT (438-4338) or write to Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

You may also periodically obtain credit reports from each nationwide credit reporting agency.  If you discover information on your credit report arising from a fraudulent transaction, you should request that the credit reporting agency delete that information from your credit report file.  In

addition, under federal law, you are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting agencies.  You may obtain a free copy of your credit report by going to www.AnnualCreditReport.com or by calling (877) 322-8228.  You may contact the nationwide credit reporting agencies at:

Equifax                                               Experian                                    TransUnion

(800) 525-6285                                (888) 397-3742                         (800) 680-7289

P.O. Box 740241                              P.O. Box 9532                           Fraud Victim Assistance Division

Atlanta, GA 30374-0241                    Allen, TX 75013                         P.O. Box 6790

www.equifax.com                                www.experian.com                   Fullerton, CA 92834-6790

                                                                     www.transunion.com .

In addition, you may obtain information from the FTC and the credit reporting agencies about fraud alerts and security freezes. You can add a fraud alert to your credit report file to help protect your credit information.  A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you, but it also may delay your ability to obtain credit.  You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies listed above.  As soon as that agency processes your fraud alert, it will notify the other two agencies, which then must also place fraud alerts in your file.  In addition, you can contact the nationwide credit reporting agencies regarding if and how you may place a security freeze on your credit report to prohibit a credit reporting agency from releasing information from your credit report without your prior written authorization.

Again, we want to stress that we regret any inconvenience or concern this incident may cause you.  Be assured that we place a top priority on protecting the security of our guests' of personal information. Please do not hesitate to contact us at 866-852-8680 or visit Target's website if you have any questions or concerns.

IF YOU ARE AN IOWA RESIDENT:  You may contact local law enforcement or the Iowa Attorney General's Office to report suspected incidents of identity theft.  You can contact the Iowa Attorney General at:

Office of the Attorney General

1305 E. Walnut Street

Des Moines, IA  50319

(515) 281-5164

www.iowa.gov/government/ag

 

IF YOU ARE A MARYLAND RESIDENT:  You may obtain information about avoiding identity theft from the FTC or the Maryland Attorney General's Office.  These offices can be reached at:

Federal Trade Commission                          Office of the Attorney General

Consumer Response Center                       Consumer Protection Division

600 Pennsylvania Avenue, NW                     200 St. Paul Place

Washington, DC 20580                                  Baltimore, MD 21202

(877) IDTHEFT (438-4338)                            (888) 743-0023

http://www.ftc.gov/idtheft/                                 www.oag.state.md.us

 

IF YOU ARE A NORTH CAROLINA RESIDENT:  You may obtain information about preventing identity theft from the FTC or the North Carolina Attorney General's Office.  These offices can be reached at:

Federal Trade Commission                          North Carolina Department of Justice

Consumer Response Center                        Attorney General Roy Cooper

600 Pennsylvania Avenue, NW                      9001 Mail Service Center

Washington, DC 20580                                   Raleigh, NC 27699-9001

(877) IDTHEFT (438-4338)                             (877) 566-7226

www.consumer.gov/idtheft                             http://www.ncdoj.com

 

IF YOU ARE A MASSACHUSETTS RESIDENT:  Under Massachusetts law, you have the right to obtain a police report in regard to this incident.  If you are the victim of identity theft, you also have the right to file a police report and obtain a copy of it.

Massachusetts law also allows consumers to place a security freeze on their credit reports.  A security freeze prohibits a credit reporting agency from releasing any information from a consumer's credit report without written authorization.  However, please be aware that placing a security freeze on your credit report may delay, interfere with, or prevent the timely approval of any requests you make for new loans, mortgages, employment, housing or other services.

If you have been a victim of identity theft and you provide the credit reporting agency with a valid police report, it cannot charge you to place, lift or remove a security freeze.  In all other cases, a credit reporting agency may charge you up to $5.00 each to place, temporarily lift, or permanently remove a security freeze.  To place a security freeze on your credit report, you must send a written request to

each of the three major consumer reporting agencies listed above.

In order to request a security freeze, you will need to provide the following information:

Your full name (including middle initial as well as Jr., Sr., II, III, etc.);
Social Security number;
Date of birth;
If you have moved in the past five (5) years, the addresses where you have lived over the prior five years;
Proof of current address (e.g., a current utility bill or telephone bill);
A legible photocopy of a government issued identification card (e.g., state driver's license or ID card or military identification);
If you are a victim of identity theft, a copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft;
If you are not a victim of identity theft, payment by check, money order, or credit card (Visa, MasterCard, American Express or Discover only).  Do not send cash through the mail.
The credit reporting agencies have three (3) business days after receiving your request to place a security freeze on your credit report.  The credit reporting agencies must also send written confirmation to you within five (5) business days and provide you with a unique personal identification number (PIN) or password, or both that can be used by you to authorize the removal or lifting of the security freeze.

To lift the security freeze in order to allow a specific entity or individual access to your credit report, you must call or send a written request to the credit reporting agencies by mail and include proper identification (name, address, and Social Security number) and the PIN number or password provided to you when you placed the security freeze, as well as the identities of those entities or individuals you would like to receive your credit report or the specific period of time you want the credit report available.  The credit reporting agencies have three (3) business days after receiving your request to lift the security freeze for those identified entities or for the specified period of time

To remove the security freeze, you must send a written request to each of the three credit reporting agencies by mail and include proper identification (name, address, and Social Security number) and the PIN number or password provided to you when you placed the security freeze.  The credit reporting agencies have three (3) business days after receiving your request to remove the security freeze.

FAQs

How do I know if this impacts me?

If you shopped at Target between Nov. 27 and Dec. 15, you should check your account for any suspicious or unusual activity. If you see something that appears fraudulent, REDcard holders should contact Target, others should contact their bank.

If I shopped at Target.com or in Canada should I be concerned?

No, this was an issue that impacted US stores.

Can I still use my card at Target?

Yes you can, if you used your card during the impacted periods, you should continue to monitor your accounts.

Has the issue been resolved?

Yes, Target moved swiftly to address this issue so guests can shop with confidence. We have identified and resolved the issue of unauthorized access to payment card data. The issue occurred between Nov. 27 and Dec. 15 and guests should continue to monitor their accounts.

How can I be assured you are taking the steps to protect my information in the future?

We continue to invest in our security practices to protect our guests' information including the retention of a leading third party forensics firm to conduct a thorough investigation of this incident. We apologize for any inconvenience this has caused our guests.

Material from CNN was used to supplement this story.

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