Privacy Incident Notification

Privacy Incident Notification

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Re-Solutions, a division of RSC Insurance Brokerage, Inc. (“RSC”), provides services to healthcare providers and health insurance plans, and maintains information related to those services. This notice describes an incident that occurred that may have involved information related to some patients and health insurance plan members, measures we have taken, and some steps you can take in response.

On January 22, 2019, RSC provided written notification to its healthcare provider and health insurance plan clients that it had completed its investigation and analysis of an incident involving the theft of an RSC employee’s password-protected laptop.  The laptop was stolen on August 23, 2018.  Upon learning of the theft, RSC notified law enforcement, changed the employee’s account credentials, and launched an investigation with the assistance of a leading cyber security firm.

Although, to date, RSC has no evidence that files or documents on the stolen laptop were viewed or accessed, RSC could not rule out that possibility.  After conducting a thorough review of the files stored on the employee’s laptop, RSC determined on December 17, 2018 that some contained personal information about its healthcare provider and health insurance plan clients’ patients and insureds.  The information involved varied per individual, but included names along with dates of birth, Social Security numbers, Medicare Health Insurance Claim Numbers (HICNs), health insurance plan numbers, claims information, diagnoses, and treatment information.

RSC began notifying the potentially affected individuals on March 1, 2019, and we have established a dedicated call center to answer any questions. If you believe you may be affected by this incident but did not receive a letter by March 11, 2019, please call 877-734-5366, Monday through Friday, 9:00 a.m. to 8:00 p.m., Eastern Time. 

We regret any inconvenience or concern this may cause you. To help prevent a similar incident from occurring in the future, we are enhancing security measures on our devices that store personal information.

ADDITIONAL STEPS YOU CAN TAKE

We recommend that you remain vigilant for incidents of fraud or identity theft by reviewing your account statements and free credit reports for any unauthorized activity. You mayobtain acopyofyour credit report,free of charge, onceevery12 months from each of thethree 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: 

Equifax, PO Box740241, Atlanta, GA 30374, www.equifax.com, 1-800-685-1111
Experian, PO Box2002, Allen, TX75013, www.experian.com, 1-888-397-3742
TransUnion, PO Box2000, Chester, PA 19016, www.transunion.com, 1-800-916-8800

If you believe you are the victim of identity the ftor 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 inyour state. You can obtain information from these sources about steps an individual can taketo avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file apolice report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correcty our records. Contact information for the Federal Trade Commissionis as follows:

Federal Trade Commission,Consumer Response Center, 600Pennsylvania Avenue, NW Washington, DC20580, www.ftc.gov/idtheft, 1-877-IDTHEFT (438-4338)

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 
www.ct.gov/ag, 1-860-808-5318

Maryland Attorney General’s Office, 200 St. Paul Place, Baltimore, MD 21202 
www.oag.state.md.us,1-888-743-0023 (toll free when calling within Maryland)1-410-576-6300 (for calls originating outside Maryland)

Massachusetts Office of the Attorney General, One Ashburton Place, Boston, MA 02108
www.mass.gov/ago/contact-us.html, 1-617-727-8400,

North Carolina Attorney General’s Office, 9001 Mail Service Center, Raleigh, NC 27699
www.ncdoj.gov, 1-919-716-6400 or toll free at 1-877-566-7226

Rhode Island Attorney General, 150 South Main Street, Providence, RI 02903
www.riag.ri.gov, 401-274-4400

Note that pursuant to Massachusetts and Rhode Island 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.

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.

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 number 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:

Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348, www.equifax.com
Experian Security Freeze, PO Box 9554, Allen, TX 75013, www.experian.com
TransUnion Security Freeze, PO Box 2000, Chester, PA 19016, www.transunion.com

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

  1. Your full name (including middle initial as well as Jr., Sr., II, III, etc.)
  2. Social Security number
  3. Date of birth
  4. If you have moved in the past five years, provide the addresses where you have lived over the prior five years
  5. Proof of current address such as a current utility bill or telephone bill
  6. A legible photocopy of a government issued identification card (state driver's license or ID card, military identification, etc.)
  7. 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 number 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 – Experian, TransUnion and Equifax – 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’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re 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. And you must give your consent for reports to be provided to employers.
  • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
  • You may seek damages from violators.
  • Identity theft victims and active duty military personnel have additional rights.