![]() ![]() ![]() You would therefore need to monitor your accounts and credit reports for both SINs on a regular and ongoing basis. ![]() You double your monitoring efforts with two Social Insurance Numbers instead of oneĪ new SIN does not erase your old SIN. Not doing so or failing to do so properly risks not receiving benefits or leaves the door open to subsequent fraud or identity theft. This means that it would be up to you to provide your new SIN to all the financial institutions, creditors, pension providers, recent and current employers, and any other organizations with which you shared your old SIN. The Government can only share your new SIN with the federal departments and agencies that use your SIN. A new Social Insurance Number is a complex affair If someone else uses your old SIN and the business does not check the person’s identity, you may have to prove you were not involved in the fraud or pay the impostor’s debts. (A new SIN can be requested only in circumstances in which an individual can prove that his or her SIN was used fraudulently.) The stated reasons for that policy, as outlined on the Service Canada website, are as follows: A new Social Insurance Number does not protect you from fraud and identity theftĪ new SIN is not a fresh start or protection from fraud or identity theft. SINs are issued by the federal government and the government’s policy is to NOT provide an individual with a new SIN where the original number is compromised in a data breach. The situation is different when it comes to SINs. ![]() While all of that is time consuming, aggravating and inconvenient, it can be done. Individuals can change passwords and e-mail addresses. Affected credit cards can be cancelled and re-issued and bank account numbers changed. Having someone’s SIN makes it easier to obtain other identifying information and that information, in the aggregate, facilitates identity theft.Īnyone who has been the victim of a personal information data breach can take steps to mitigate the possible impact of that breach. A SIN is the “gold standard” of personal identification for Canadians - it is used to file tax returns, obtain government benefits, and open bank accounts. While a privacy breach involving any of the above information is problematic for those affected, the most significant aspect of the Capital Once breach is that the Social Insurance Numbers (SIN) of 1 million Canadians were obtained by an unauthorized person or persons as a result of the privacy breach. The personal information obtained through the breach included personal information Capital One routinely collects at the time it receives credit card applications, including names, addresses, postal codes, phone numbers, email addresses, dates of birth, income, credit scores, credit limits, balances, payment history and contact information. The breach affected, not just those who held credit products issued by Capital One, but those who applied for such products (whether or not they were ever obtained) for a fifteen-year period, from 2005 through early 2019. Part of the reason that such a huge number of individuals has been affected is the time frame involved. The number of Canadians affected by the breach, the volume of information obtained and, particularly, the nature of the information lost were all on a scale not previously seen, in Canada or elsewhere.Īccording to information provided by Capital One, approximately 6 million Canadians (or one in every six Canadians) have had the privacy of their personal information compromised. The magnitude of the Capital One data breach was unprecedented in many respects. Notwithstanding, the recent data breach affecting Capital One was, in many ways, a singular event. By now, news of yet another data breach resulting in unauthorized access to personal information - especially financial information - has become so frequent as to seem almost commonplace. ![]()
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