Notice to Individuals Regarding Privacy Incident World Relief Corporation of National Association of Evangelicals
At the World Relief Corporation of National Association of Evangelicals (“World Relief”), we are committed to protecting the confidentiality and security of the personal information we maintain. Regrettably, this notice is about an incident that involves information for some of our clients.
World Relief is a global non-profit organization that provides assistance and care to refugees.
We recently conducted an investigation into a phishing email incident involving some of our employee’s email accounts. Upon learning of the incident, we immediately took steps to secure the accounts, launched an internal investigation, and a cyber security firm was engaged to assist our investigation. The investigation determined that an unauthorized individual may have downloaded or viewed certain emails or attachments in the employee accounts between April 4, 2019 and May 21, 2019. On July 31, 2019, our investigation determined that personal information was contained in those emails or attachments for some of our clients, including their names and varying information such as Social Security number, driver’s license number, alien registration number, financial account number, tax identification number, and medical information.
On September 19, 2019, we mailed letters to individuals for whom we had a physical address to explain the incident, measures we have taken, and steps they can take in response. We also established a dedicated call center to answer questions. For those individuals whose Social Security number or driver’s license number was contained in the emails and attachments, we are offering a complimentary credit monitoring and identity restoration service through Kroll.
If you believe you may have been affected by this incident and do not receive a letter by September 19, 2019, please call 1-833-943-1378, Monday through Friday, between 9 a.m. and 6:30 p.m. Eastern Time. We encourage all individuals to remain vigilant by reviewing their account statements for any unauthorized activity.
We regret any inconvenience caused by this incident. To further enhance our security procedures, we are implementing additional safeguards and technical security measures, and are providing additional training to our employees.
Additional Steps You Can Take
We remind you it is always advisable to be vigilant for incidents of fraud or identity theft by reviewing your account statements and free credit reports for any unauthorized activity. You may obtain a copy of your credit report, free of charge, once every 12 months from each of the three nationwide credit reporting companies. To order your annual free credit report, please visit www.annualcreditreport.com or call toll free at 1-877-322-8228. Contact information for the three nationwide credit reporting companies is as follows:
Experian, PO Box 2002, Allen, TX 75013, www.experian.com, 1-888-397-3742
TransUnion, PO Box 2000, Chester, PA 19016, www.transunion.com, 1-800-916-8800
Equifax, PO Box 740241, Atlanta, GA 30374, www.equifax.com, 1-800-685-1111
If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Attorney General’s office in your state. You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records. Contact information for the Federal Trade Commission is as follows:
Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580, 1-877-IDTHEFT (438-4338), www.ftc.gov/idtheft
If you are a resident of Connecticut, Maryland, Massachusetts, North Carolina, or Rhode Island, you may contact and obtain information from your state attorney general at:
Connecticut Attorney General’s Office, 55 Elm Street, Hartford, CT 06106, 860-808-5318, www.ct.gov/ag
Maryland Attorney General’s Office, 200 St. Paul Place, Baltimore, MD 21202, 888-743-0023 / (410) 576-6300 (for calls originating outside Maryland), www.oag.state.md.us
Massachusetts Office of the Attorney General, One Ashburton Place, Boston, MA 02108, 1-617-727-8400, www.mass.gov/ago/contact-us.html
North Carolina Attorney General’s Office, 9001 Mail Service Center, Raleigh, NC 27699, 919-716-6400 / 1-877-566-7226, www.ncdoj.gov
Rhode Island Attorney General’s Office, 150 South Main Street, Providence, RI 02903, www.riag.ri.gov, 1-401-274-4400
You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records.
Fraud Alerts: There are two types of fraud alerts you can place on your credit report to put your creditors on notice that you may be a victim of fraud—an initial alert and an extended alert. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial fraud alert stays on your credit report for at least 90 days. You may have an extended alert placed on your credit report if you have already been a victim of identity theft with the appropriate documentary proof. An extended fraud alert stays on your credit report for seven years. You can place a fraud alert on your credit report by contacting any of the three national credit reporting agencies.
If you are a resident of Massachusetts, note that pursuant to Massachusetts law, you have the right to file and obtain a copy of any police report.
If you are a resident of West Virginia, you have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft, as described below. You also have a right to place a security freeze on your credit report, as described below.
Credit Freezes: You have the right to put a credit freeze, also known as a security freeze, on your credit file, free of charge, so that no new credit can be opened in your name without the use of a PIN that is issued to you when you initiate a freeze. A security freeze is designed to prevent potential credit grantors from accessing your credit report without your consent. If you place a security freeze, potential creditors and other third parties will not be able to get access to your credit report unless you temporarily lift the freeze. Therefore, using a security freeze may delay your ability to obtain credit.
There is no fee to place or lift a security freeze. Unlike a fraud alert, you must separately place a security freeze on your credit file at each credit reporting company. For information and instructions to place a security freeze, contact each of the credit reporting agencies at the addresses below:
Experian Security Freeze, PO Box 9554, Allen, TX 75013, www.experian.com
TransUnion Security Freeze, PO Box 2000, Chester, PA 19016, www.transunion.com
Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348, www.equifax.com
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 years, provide the addresses where you have lived over the prior five years
Proof of current address such as a current utility bill or telephone bill
A legible photocopy of a government issued identification card (state driver’s license or ID card, military identification, etc.)
If you are a victim of identity theft, include a copy of the police report, investigative report, or complaint to a law enforcement agency concerning identity theft
The credit reporting agencies have one business day after receiving your request by toll-free telephone or secure electronic means, or three business days after receiving your request by mail, to place a security freeze on your credit report. The credit bureaus must also send written confirmation to you within five 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, or to lift a security freeze for a specified period of time, you must submit a request through a toll-free telephone number, a secure electronic means maintained by a credit reporting agency, or by sending a written request via regular, certified, or overnight mail to the credit reporting agencies and include proper identification (name, address, and Social Security number) and the PIN or password provided to you when you placed the security freeze as well as the identity 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 one business day after receiving your request by toll-free telephone or secure electronic means, or three business days after receiving your request by mail, to lift the security freeze for those identified entities or for the specified period of time.
To remove the security freeze, you must submit a request through a toll-free telephone number, a secure electronic means maintained by a credit reporting agency, or by sending a written request via regular, certified, or overnight mail to each of the three credit bureaus 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 bureaus have one business day after receiving your request by toll-free telephone or secure electronic means, or three business days after receiving your request by mail, to remove the security freeze.
Fair Credit Reporting Act: You also have rights under the federal Fair Credit Reporting Act, which promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. The FTC has published a list of the primary rights created by the FCRA (https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf), and that article refers individuals seeking more information to visit www.ftc.gov/credit. The FTC’s list of FCRA rights includes:
You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request.
Each of the nationwide credit reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every 12 months.
You are also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. You are also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you are on welfare; or if your report is inaccurate because of fraud, including identity theft.
You have the right to ask for a credit score.
You have the right to dispute incomplete or inaccurate information.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Consumer reporting agencies may not report outdated negative information.
Access to your file is limited. You must give your consent for reports to be provided to employers.
You may limit “prescreened” offers of credit and insurance you receive based on information in your credit report.
You may seek damages from violators.
Identity theft victims and active duty military personnel have additional rights.