/n <img src=https://www.scamadviser.com/"/" class=\"image__fluid\">\n </a>\n </div>\n </div>\n</div>","buttonText":"阅读更多","renderAsInertiaLink":false},{"id":1475,"title":"数据泄露受害者？您的应急行动计划从现在开始","url":"https://www.scamadviser.com/zh/articles/shu-ju-xie-lu-shou-hai-zhe-nin-de-ying-ji-xing-dong-ji-hua-cong-xian-zai-kai-shi","excerpt":"数据泄露后如何保护您和您的家人\r\n当您的数据落入坏人之手时\r\n刚刚收到可怕的通知？或者您已经注意到您账户中的可疑活动？深吸一口气。数据泄露，即未经授权访问或暴露敏感、受保护或机密数据，是一个令人深感不安的事件。它可能会让您陷入忧虑之中，带来从经济损失和身份盗用到重大精神痛苦和声誉受损等各种风险。\r\n数字不会说谎：根据2024 年的一份报告，数据泄露受害者通知的数量同比增长了惊人的211%。这不仅是一个遥远的威胁，也是许多人面临的严峻现实。仅在今年，我们就看到阿迪达斯 和澳洲航空公司等大型企业遭遇了备受瞩目的数据泄露事件，无数客户受到影响。这凸显了一个重要的事实：没有人是不可触碰的。因此，采取战略性行动是最大限度降低风险和保护未来的唯一途径。\r\n本指南是您的应急行动计划，旨在指导您完成从确认数据泄露到长期强化数字生活的每一个关键步骤。\r\n第 1 部分：确认漏洞并了解损失\r\n第一步是明确回答问题：我的数据是否遭到泄露，如果是，严重程度如何？\r\n从最基本的开始：\r\n\r\n查看官方通知如果您的数据被泄露，信誉良好的公司有法律义务通知您。查找官方电子邮件、信件或公告。\r\n检查经过验证的外泄数据库HaveIBeenPwned 等平台可帮助您查看您的手机或电子邮件是否出现在公开的数据转储中。\r\n查找行为红旗警惕可疑活动，如未经授权的交易、意外锁定账户或与新账户有关的奇怪电子邮件。\r\n\r\n1.2 哪类数据被盗？\r\n并非所有的外泄事件都是一样的。您的应对措施取决于泄漏的内容。泄露的数据类型风险等级优先行动电子邮件和密码中更改密码 + 启用 2FA财务细节高提醒银行 + 监控账户SSN / PII / 医疗重要冻结信用 + 提交身份盗窃报告如果财务或个人身份信息被泄露，您必须立即进入紧急模式。\r\n第 2 部分：您的即时应急行动计划\r\n一旦确认您的数据被泄露，请立即采取行动控制损失并保护您的身份。优先执行这些步骤，最好使用安全、未受损的设备。\r\n2.1 保护您的设备（如果怀疑是恶意软件，关键的第一步）\r\n如果您怀疑漏洞来自自己的设备，请立即运行全面的病毒和恶意软件扫描。只在您确定安全的设备上更改密码。\r\n2.2 立即更改密码\r\n这是最重要的一项操作。您的主要电子邮件账户应该是您的首要任务。每个账户都要使用强大、唯一的密码，最好使用密码管理器进行管理。\r\n2.3 启用双因素身份验证（2FA）\r\n在所有提供2FA（或 MFA）的服务上启用 2FA。这需要第二个验证步骤，即使犯罪分子窃取了您的密码，也几乎不可能访问您的账户。\r\n2.4 冻结您的信用\r\n信用冻结是防止犯罪分子以您的名义开设新信用账户的最有效方法。您必须分别联系三大信用局：Equifax、Experian 和 TransUnion。设置和解除信用冻结都是免费的。\r\n2.5 💡 立即下一步：从数据经纪商处删除您被暴露的数据（高度优先行动）\r\n您被泄露的数据正在被出售。黑客并不是唯一的威胁；数据经纪人正在收集刚刚暴露的个人信息（姓名、地址、电话等），并将其出售给垃圾邮件发送者、营销人员和身份窃贼。这些信息被用来制作极具说服力的网络钓鱼攻击，以窃取您的钱财。\r\n您需要切断这种数据流。\r\n从数百家经纪商那里手动删除您的数据几乎是不可能的。这就是像Incogni这样的服务存在的原因--它们为您自动完成这一繁琐而关键的过程。不要等着您的信息被用来对付您。\r\n➡️ 现在就了解 Incogni 如何从 2,420 多个网站自动删除您的数据！\r\n2.6 通知金融机构\r\n立即通知您的银行和信用卡公司，以便他们发出特别欺诈警报并监控可疑活动。\r\n2.7 提交身份盗窃报告\r\n如果您怀疑身份被盗，请在IdentityTheft.gov 网站上向联邦贸易委员会（FTC）提交正式报告。该报告对于质疑欺诈性收费至关重要。\r\n2.8 密切监控账户\r\n打开以下警报\r\n\r\n银行交易\r\n信用查询\r\n密码更改\r\n新设备登录\r\n电子邮件安全事件\r\n\r\n未来的自己会感谢你的。\n第 3 部分：保护自己和亲人的未来\r\n3.1 高级账户和设备安全\r\n继续使用密码管理器，不断更新软件以弥补漏洞，审查/撤销不必要的账户权限。\r\n3.2 警惕网络钓鱼和诈骗\r\n发生漏洞后，您将成为主要目标。对于任何要求您验证账户信息或点击链接的主动发送的电子邮件或短信，请保持高度警惕。\r\n3.3 保护您的税务身份\r\n如果您的<a href=https://www.scamadviser.com/"https://www.scamadviser.com/articles/how-to-protect-yourself-after-your-social-security-number-is-stolen///" target=\"_blank\" rel=\"noopener\">SSN被曝光</a>，您将面临税务欺诈的风险。请立即向 IRS 申请<strong>身份保护密码 (IP PIN)</strong> 以防止盗贼以您的名义申报。</p> <h3>3.4 保护您的家人，尤其是儿童</h3> <p>如果 PII 被暴露，儿童是身份欺诈的高危人群。检查您的孩子是否有信用档案，并考虑为未成年人设置安全冻结。</p> <h3>3.5 数据经纪人防御策略：Incogni 的优势（全部详情）</h3> <p>要全面了解自动数据删除为何至关重要，请继续阅读。</p> <p>Incogni 将整个过程自动化，作为您的授权代理提交强制性数据移除请求：</p> <ul style=\"list-style-type: square;\"> <li><strong>无与伦比的覆盖范围：</strong>Incogni 在自动移除过程中处理来自 420 多家数据经纪商的移除请求。</li> <li><strong>有保障的持续保护：</strong>Incogni会定期发送具有法律约束力的数据删除请求，使您的记录不再流入市场。</li> <li><strong>久经考验的可靠性：</strong>德勤（Deloitte）的独立有限保证报告证实了Incogni的严格流程，包括覆盖420多家数据经纪商、接收删除确认以及定期发送循环请求。您可以在个人计划（7.99 美元/月）和家庭计划（15.99 美元/月）的基础上以 50% 的折扣订购 1 年。</li> </ul> <p>➡️ 准备好保护您的隐私了吗？<a href=https://www.scamadviser.com/"https://deal.incogni.io/aff_c?offer_id=11&aff_id=1505\%22 target=\"_blank\" rel=\"noopener\">点击此处</a>使用 Incogni 保护您的身份！</p> <h3>底线：您的恢复和增强安全性之路</h3> <p>数据泄露是一个严重事件，但它并不是您数字生活的终点。通过立即采取明智的行动--保护您的账户安全、锁定您的信用、监控可疑活动并保护您的家人--您将大大减少损失并重新获得控制权。</p> <p>长期对抗网络威胁需要采取积极主动的方法。现在就开始使用密码管理器，在所有敏感账户上启用 2FA，定期更新您的软件，最重要的是，利用 Incogni 等值得信赖的服务，从数据中介网站上自动删除您的个人数据。</p><p><strong>FAQs</strong><br /><strong>数据泄露后的第一步是什么？</strong><br /><em>绝对的第一步是更改被泄露账户和使用相同密码的任何其他账户的密码。第二个立即采取的步骤是在所有敏感帐户（尤其是您的主要电子邮件）上启用双因素身份验证 (2FA)：1) 控制（更改密码、确保设备安全）；2) 损害控制（冻结您的信用、提醒银行、提交 FTC 报告）；3) 未来预防（使用密码管理器、从数据经纪商处删除您的数据、监控您的信用）。但是，GDPR 或 CCPA 等法律通常要求公司在特定时限内通知受害者和相关当局。</em></p> <p><strong>数据泄露后有哪些法律行动？</strong><br /><em>法律行动通常包括向 FTC 或州总检察长提出申诉，参与针对责任公司的集体诉讼，或利用 GDPR 和 CCPA 等法律要求赔偿或删除您的数据（Incogni 可自动删除数据）。</em></p> <p><strong>免责声明</strong>：<em>本文中的某些链接可能是联盟链接。这意味着如果您选择通过它们购买产品或服务，我们可能会赚取少量佣金，而您无需支付额外费用。","buttonText":"阅读更多","renderAsInertiaLink":false}]}}],"meta":{"title":"如何快速向银行质疑诈骗收费","description":"被骗？了解如何向银行提出收费异议、该说些什么以及如何增加快速拿回钱的机会。","canonical":"https://www.scamadviser.com/zh/articles/ru-he-dui-zha-pian-zhi-kong-ti-chu-yi-yi-bing-qu-hui-qian-kuan","alternates":[{"language":"x-default","url":"https://www.scamadviser.com/articles/how-to-dispute-a-scam-charge-and-get-your-money-back"},{"language":"nl","url":"https://www.scamadviser.com/nl/articles/hoe-een-aanklacht-wegens-oplichting-aanvechten-en-je-geld-terugkrijgen"},{"language":"pt","url":"https://www.scamadviser.com/pt/articles/como-contestar-uma-cobranca-fraudulenta-e-obter-o-seu-dinheiro-de-volta"},{"language":"es","url":"https://www.scamadviser.com/es/articles/como-impugnar-un-cargo-por-estafa-y-recuperar-su-dinero"},{"language":"de","url":"https://www.scamadviser.com/de/articles/wie-sie-eine-betrugsanklage-anfechten-und-ihr-geld-zurueckbekommen"},{"language":"fr","url":"https://www.scamadviser.com/fr/articles/comment-contester-une-accusation-descroquerie-et-recuperer-votre-argent"},{"language":"it","url":"https://www.scamadviser.com/it/articles/come-contestare-un-addebito-per-truffa-e-riavere-indietro-i-vostri-soldi"},{"language":"uk","url":"https://www.scamadviser.com/uk/articles/iak-oskarzyty-zvynuvachennia-v-shakhraystvi-ta-povernuty-svoyi-hroshi"},{"language":"ro","url":"https://www.scamadviser.com/ro/articles/cum-sa-contestati-o-acuzatie-de-escrocherie-si-sa-va-primiti-banii-inapoi"},{"language":"ru","url":"https://www.scamadviser.com/ru/articles/kak-osporit-obvinenie-v-moshennichestve-i-poluchit-svoi-dengi-obratno"},{"language":"zh","url":"https://www.scamadviser.com/zh/articles/ru-he-dui-zha-pian-zhi-kong-ti-chu-yi-yi-bing-qu-hui-qian-kuan"},{"language":"tc","url":"https://www.scamadviser.com/tc/articles"},{"language":"ja","url":"https://www.scamadviser.com/jp/articles/zha-qi-noqing-qiu-niyi-yi-woshen-shili-te-ojin-woqu-rili-sufang-fa"}]},"language":"zh","head":[],"pendingCookieConsent":false,"isHomePage":false,"navigation":{"items":{"data":[{"id":1082,"name":"讲述你的故事","template_name":"report_a_scam","newwindow":false,"url":"https://www.scamadviser.com/zh/report-a-scam"},{"id":1103,"name":"Scam IQ Test","template_name":"redirect","newwindow":true,"url":"https://digital-survival-challenge-beta.vercel.app/"},{"id":1100,"name":"企業解決方案","template_name":"redirect","newwindow":true,"url":"https://www.scamadviserbiz.com/"}]},"languages":{"current":"zh","available":[{"label":"Deutsch","code":"de","url":"https://www.scamadviser.com/de/articles/wie-sie-eine-betrugsanklage-anfechten-und-ihr-geld-zurueckbekommen"},{"label":"English","code":"en","url":"https://www.scamadviser.com/articles/how-to-dispute-a-scam-charge-and-get-your-money-back"},{"label":"Español","code":"es","url":"https://www.scamadviser.com/es/articles/como-impugnar-un-cargo-por-estafa-y-recuperar-su-dinero"},{"label":"Français","code":"fr","url":"https://www.scamadviser.com/fr/articles/comment-contester-une-accusation-descroquerie-et-recuperer-votre-argent"},{"label":"Italiano","code":"it","url":"https://www.scamadviser.com/it/articles/come-contestare-un-addebito-per-truffa-e-riavere-indietro-i-vostri-soldi"},{"label":"日本","code":"jp","url":"https://www.scamadviser.com/jp/articles/zha-qi-noqing-qiu-niyi-yi-woshen-shili-te-ojin-woqu-rili-sufang-fa"},{"label":"Nederlands","code":"nl","url":"https://www.scamadviser.com/nl/articles/hoe-een-aanklacht-wegens-oplichting-aanvechten-en-je-geld-terugkrijgen"},{"label":"Português","code":"pt","url":"https://www.scamadviser.com/pt/articles/como-contestar-uma-cobranca-fraudulenta-e-obter-o-seu-dinheiro-de-volta"},{"label":"Romanian","code":"ro","url":"https://www.scamadviser.com/ro/articles/cum-sa-contestati-o-acuzatie-de-escrocherie-si-sa-va-primiti-banii-inapoi"},{"label":"Russian","code":"ru","url":"https://www.scamadviser.com/ru/articles/kak-osporit-obvinenie-v-moshennichestve-i-poluchit-svoi-dengi-obratno"},{"label":"繁体中文","code":"tc","url":"https://www.scamadviser.com/tc/articles"},{"label":"Ukrainian","code":"uk","url":"https://www.scamadviser.com/uk/articles/iak-oskarzyty-zvynuvachennia-v-shakhraystvi-ta-povernuty-svoyi-hroshi"},{"label":"简体中文","code":"zh","url":"https://www.scamadviser.com/zh/articles/ru-he-dui-zha-pian-zhi-kong-ti-chu-yi-yi-bing-qu-hui-qian-kuan"}]},"search":{"placeholders":{"website":"搜索网站……","phone":"Search phone","crypto":"Search a cryptoaddress...","iban":"Search a IBAN address..."},"urls":{"website":"https://www.scamadviser.com/zh/check-website","phone":"https://www.scamadviser.com/zh/check-phone","crypto":"https://www.scamadviser.com/zh/check-crypto","iban":"https://www.scamadviser.com/zh/check-iban"}}},"footer":{"consumerSection":{"title":"关于消费者","items":{"data":[{"id":37,"name":"留下评论","template_name":"redirect","newwindow":false,"url":"https://www.scamadviser.com/zh/leave-review"},{"id":1048,"name":"如何取回金钱","template_name":"redirect","newwindow":false,"url":"https://www.scamadviser.com/zh/how-to-get-your-money-back-from-a-scam"},{"id":1078,"name":"ScamAdviser App & Browser Extension","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/download-browser-extension-app"},{"id":1058,"name":"How to Recognize a Scam","template_name":"redirect","newwindow":false,"url":"https://www.scamadviser.com/zh/how-to-recognize-a-scam"},{"id":1072,"name":"Check a site for me","template_name":"redirect","newwindow":false,"url":"https://www.scamadviser.com/zh/check-a-site-for-me"}]}},"businessSection":{"title":"关于商家","items":{"data":[{"id":1017,"name":"注册网站","template_name":"claim-website","newwindow":false,"url":"https://www.scamadviser.com/zh/claim-your-site"},{"id":1085,"name":"Scamadviser API","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/scamadviser-api"},{"id":1025,"name":"设置我们的徽标","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/install-our-logo"},{"id":1015,"name":"成为合作伙伴","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/become-a-partner"},{"id":1023,"name":"Advertise on ScamAdviser","template_name":"redirect","newwindow":false,"url":"https://www.scamadviser.com/zh/advertise-on-scamadviser"}]}},"aboutUsSection":{"title":"关于 Scamadviser","items":{"data":[{"id":20,"name":"关于我们","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/about-scamadviser"},{"id":14,"name":"常见问题","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/faq"},{"id":1012,"name":"媒体报道","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/in-the-press"},{"id":13,"name":"联系方式","template_name":"contact","newwindow":false,"url":"https://www.scamadviser.com/zh/contact"}]}},"subFooter":{"items":{"data":[{"id":16,"name":"隐私政策","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/privacy-policy"},{"id":17,"name":"条款和条件","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/terms-conditions"},{"id":1061,"name":"Imprint","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/imprint"},{"id":28,"name":"免责声明","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/disclaimer"},{"id":18,"name":"查看指引","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/review-guidelines"},{"id":1039,"name":"通知和撤下","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/notice-and-take-down-procedure"},{"id":1040,"name":"网站地图","template_name":"sitemap","newwindow":false,"url":"https://www.scamadviser.com/zh/sitemap"},{"id":1016,"name":"版权声明","template_name":"default","newwindow":false,"url":"https://www.scamadviser.com/zh/copyright-notice"}]}},"initiativeText":"ScamAdviser是以下组织的成员"},"socials":[{"url":"https://www.facebook.com/sadviser/","icon":"facebook-square"},{"url":"https://www.youtube.com/channel/UCERAPMuOxhqOg6WqIDR1G2w","icon":"youtube"},{"url":"https://twitter.com/scamadviser","icon":"twitter-square"},{"url":"https://www.linkedin.com/company/scamadviser","icon":"linkedin-square"},{"url":"https://t.me/scamadviser_scammybot","icon":"telegram"},{"url":"https://wa.me/31612902070","icon":"whatsapp"},{"url":"https://www.scamadviser.com/scammy-chatbot","icon":"university"}]},"url":"/zh/articles/ru-he-dui-zha-pian-zhi-kong-ti-chu-yi-yi-bing-qu-hui-qian-kuan","version":"b585c9c1f4996e80265fb32e550ca3c3","encryptHistory":false,"clearHistory":false}">