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Verify My Notice LetterThis case file references a public filing made with the state filing in TX. This website is not affiliated with, endorsed by, or operated by any state government agency.
700Credit, LLC was the subject of a data breach notification filed with the TX Attorney General. The AG filing was recorded on December 16, 2025. The breach or discovery date reported in the filing is November 21, 2025.
From the AG filing description
700Credit, LLC operates as a critical financial technology and credit reporting solutions provider, specializing in pulling and integrating credit reports, compliance data, and automotive financial tools for auto dealerships and financial institutions nationwide. Because the company serves as a vital bridge between automotive lenders, credit bureaus, and consumers shopping for vehicles, it routinely handles, processes, and stores an immense volume of deeply sensitive financial and personal identification data. Dealerships and lenders rely on 700Credit to securely manage consumer credit files, making the company an indispensable repository of high-value consumer data that requires the highest standards of cybersecurity and rigorous administrative safeguards. In 2025, 700Credit, LLC reported a significant data security incident to the Office of the Texas Attorney General, raising serious concerns regarding the safety of consumer information entrusted to the platform. While the precise vector of the attack continues to be scrutinized, security incidents affecting financial technology providers and credit-reporting intermediaries typically involve sophisticated external network breaches, credential-stuffing attacks, unauthorized database access, or vulnerabilities within third-party vendor integrations. In the financial services sector, threat actors frequently target central hubs like 700Credit to bypass individual institution security controls, allowing them to illicitly access aggregated consumer files maintained across multiple databases. The data compromised in incidents involving financial technology and credit reporting platforms characteristically includes full names, Social Security numbers, dates of birth, credit scores, credit report histories, and financial account or application details. The exposure of this specific data combination creates severe, long-term risks for affected individuals. Unlike a stolen credit card that can be quickly cancelled and replaced, core identifiers like Social Security numbers and detailed credit histories cannot be easily changed. When exposed, this information provides bad actors with the exact building blocks needed to commit identity theft, open fraudulent lines of credit, intercept tax refunds, and execute sophisticated financial account takeovers that can devastate a consumer's credit standing for years. As a financial technology and data handling entity, 700Credit, LLC is bound by stringent federal and state legal obligations to safeguard consumer data against unauthorized access and disclosure. Under the Gramm-Leach-Bliley Act (GLBA) and applicable state data protection standards, including the Texas Identity Theft Enforcement and Protection Act, financial institutions and their critical technology vendors are required to maintain robust administrative, technical, and physical safeguards to protect non-public personal information. The occurrence of a data breach of this magnitude strongly indicates potential failures in these mandated security protocols, such as inadequate network segmentation, insufficient encryption standards, or a failure to implement multi-factor authentication across all access points. Receiving a data breach notification letter from 700Credit, LLC serves as formal legal acknowledgment that your sensitive information was compromised while under their care. Under modern jurisprudence, this notification establishes the legal standing necessary to participate in a class action lawsuit aimed at holding the company accountable for its security lapses. Affected consumers do not need to wait until they suffer direct financial fraud to take action; the increased risk of future identity theft and the time and money spent mitigating those risks constitute legally cognizable harms. Our firm investigates these cases on a strict contingency fee basis, meaning you pay nothing out of pocket and owe no legal fees unless we successfully recover compensation on your behalf.
Under the Texas Identity Theft Enforcement and Protection Act, you may have a legal claim against 700Credit, LLC if any of the following apply:
Based on the data types reported in this filing:
Your SSN is the master key to your identity. Once exposed, criminals can open new lines of credit, take out loans, or file taxes in your name.
Combined with a name and other leaked data, date of birth helps criminals pass identity verification questions at banks and government agencies.
Phone numbers exposed in breaches are used for SIM swapping attacks — hijacking your number to bypass two-factor authentication on financial accounts.
Common categories of compensation in data breach class actions
Courts recognize that the time spent monitoring accounts, placing credit freezes, and dealing with the aftermath of a breach has real economic value. This category of damages is recoverable even without direct financial loss.
Professional credit monitoring services cost $10–$40 per month. Identity theft restoration services, if needed, can cost hundreds of hours and thousands of dollars. Courts have awarded these costs as direct damages in SSN breach cases.
Direct financial losses resulting from the breach — unauthorized charges, fraudulent transfers, or fees incurred through fraud — are recoverable as compensatory damages. Banks may reverse some charges; a class action recovers the remainder and associated costs.
Data breach victims regularly report anxiety, loss of sleep, and ongoing fear of identity theft. These non-economic harms are cognizable injuries in data breach litigation, particularly in cases involving SSN or medical record exposure.
Note: an attorney general breach filing does not by itself establish a settlement fund, a payment amount, or a claim deadline. If an official settlement notice is later issued, rely on that notice for payment details and deadlines.
No. Under Texas Identity Theft Enforcement and Protection Act and federal law, the unauthorized exposure of your personal data — regardless of whether it has been actively misused — can be sufficient grounds for a claim. The breach itself is the injury.
Nothing. The Law Office of David S. Harris handles data breach cases on contingency — you pay zero upfront and owe nothing unless compensation is recovered.
Immediately place a free credit freeze at all three bureaus (Equifax, Experian, TransUnion). A freeze blocks new accounts from being opened in your name. Then file a complaint with the FTC at IdentityTheft.gov and contact our office — SSN exposure is one of the most serious breach types.
Banks may reverse fraudulent charges, but they are not obligated to compensate you for time lost, stress, or indirect damages. A class action claim against the breached company can recover those additional categories of harm.
Statutes of limitations for data breach claims vary by state but typically run 2–4 years. Depending on when you learned of the breach, you may still have time. Contact our office for a free eligibility review — there is no cost to find out.
Accepting free credit monitoring from 700Credit, LLC does not waive your right to pursue legal action unless you signed a specific release waiving claims. In most cases, victims who accepted monitoring can still file.
Not necessarily. Many data breach victims are never notified directly. If your personal information was held by 700Credit, LLC during the relevant period, you may still qualify even without receiving a letter. A free eligibility review can confirm your status.
Applicable State Law
This breach was reported under the Texas Identity Theft Enforcement and Protection Act, which mandates notification and establishes your right to seek damages.
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