My my bank and homeowners insurance company distributed a document to the wrong person with the same name as me. It contains all of our personal information to include Social Security numbers birthdates employment our home address our financial statements and all other sensitive information. This other person contacted me via Facebook to notify me of the breach which we turned and contacted the bank who confirmed that this has occurred. I am now wondering if I should contact somebody such as an attorney to investigate this breach and should we be compensated accordingly?
While your bank was at fault for the disclosure, it will be difficult to show that you sustained any damages as a result. One solution would be to ask for free identity theft monitoring.
Unfortunately to compensate you accordingly, would be zero dollars, since you haven't any economic damages. Not worth your trouble other than to notify the bank see if they will perhaps give you one years credit monitoring and change their database to ensure the correct address for you.
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I really doubt, based on what have disclosed that you have a viable claim at this point. Had your namesake stolen your identity and caused you damages, it would be a different story, however, fortunately for you, that person seems pretty honorable.
I would, however, contact your bank and homeowners, and determine what assurances they may be willing to provide should their (or their computer's) mistake has potentially put you at risk should this information have fallen into the hands of someone less honorable. Also, you might consider changing your identity information in some fashion with these and other persons who have protected information about you. Adding your middle initial or name, a nickname in quotations (like Jane "Moms" Doe), if possible on their forms may add an additional measure of insulation from confusing you with some one of your same name in their systems.
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