OR · AG Filing: Jul 15, 2025
No cost. No obligation. If your data was exposed by American Consumer Credit Counseling, Inc. (“ACCC”), you may be entitled to financial compensation.
Start Free Review →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.
American Consumer Credit Counseling, Inc. (“ACCC”) was the subject of a data breach notification filed with the OR Attorney General. The AG filing was recorded on July 15, 2025. The breach or discovery date reported in the filing is January 29, 2025.
From the AG filing description
American Consumer Credit Counseling, Inc. (“ACCC”) is a specialized non-profit organization dedicated to providing financial education, budget counseling, and debt management services to individuals striving to regain control of their personal finances. Because of the core nature of its operations, ACCC functions as a central repository for deeply personal and sensitive financial dossiers. Individuals turn to credit counseling agencies during periods of severe economic vulnerability, trusting them with comprehensive documentation of their financial lives, including household budgets, outstanding debt balances, creditor details, and monthly income figures. This high level of required disclosure means that ACCC maintains a massive volume of non-public personal information, making its digital infrastructure an attractive target for malicious actors seeking to exploit commercially valuable and identity-sensitive data. In 2025, security incidents impacting financial counseling organizations and similar entities typically involve sophisticated network intrusions, unauthorized third-party access to legacy databases, or ransomware deployments designed to exfiltrate confidential files before encryption. For an entity like ACCC, such a breach often centers on vulnerabilities within client intake portals, database servers, or third-party vendor networks where sensitive intake forms and debt management plans are stored. When cybercriminals successfully breach these environments, they frequently gain unrestricted access to archived client records and operational databases that have been accumulated over years of service delivery, bypassing standard perimeter defenses through compromised administrative credentials or unpatched software vulnerabilities. The exposure of data originating from a credit counseling organization introduces severe, multi-faceted risks to affected consumers. Breached files typically encompass full legal names, Social Security numbers, dates of birth, banking details used for debt repayment plans, and comprehensive financial background histories. When Social Security numbers and detailed financial histories are compromised simultaneously, victims face an immediate and elevated risk of synthetic identity theft, unauthorized credit card applications, fraudulent loan openings, and total financial account takeover. Unlike a simple retail data breach involving exposed email addresses, the compromise of deep financial and credit profile data allows bad actors to impersonate victims across banking, lending, and tax authorities, resulting in long-term financial devastation and ruined credit scores that can take years to untangle. Under federal and state regulatory frameworks, including the Gramm-Leach-Bliley Act (GLBA) and applicable state data protection and consumer protection statutes, organizations like ACCC have an affirmative legal duty to implement and maintain robust administrative, technical, and physical safeguards to protect non-public personal information. These statutory mandates require continuous vulnerability assessments, encryption of data at rest and in transit, strict access controls, and ongoing oversight of vendor security practices. The occurrence of a data breach of this magnitude serves as a strong indicator that the organization may have failed to uphold these rigorous security standards, potentially falling short of industry-standard protocols required to detect unauthorized network activity and prevent data exfiltration. Receiving an official data notification letter from American Consumer Credit Counseling, Inc. (“ACCC”) regarding a 2025 security incident carries profound legal implications for affected consumers. Legally, the issuance of this notice constitutes an admission by the company that your confidential data was compromised due to inadequate security controls. Under modern class action jurisprudence, the receipt of such a notification letter establishes legal standing to pursue a lawsuit, allowing victims to seek accountability and compensation without needing to wait until actual fraudulent financial transactions occur. Our law firm is actively investigating potential class action claims on behalf of individuals whose information was exposed in the ACCC breach. We handle these complex privacy cases on a contingency fee basis, meaning you pay absolutely nothing out of pocket, and we only recover fees if we successfully secure a financial recovery on your behalf.
You may have been affected by the American Consumer Credit Counseling, Inc. (“ACCC”) data breach if:
Common categories of compensation in data breach class actions
The hours spent responding to a data breach — canceling accounts, contacting credit bureaus, updating passwords, and investigating fraud — represent compensable economic harm in data breach litigation.
Once your SSN is exposed, protection becomes an ongoing expense. Plaintiffs in data breach settlements have recovered costs for credit freezes, identity protection subscriptions, and time spent dealing with fraudulent accounts — sometimes covering multiple years of exposure.
Fees charged to close and reopen accounts, issue replacement cards, or dispute fraudulent transactions are recoverable in data breach litigation. So are the costs of overdrafts, late payments, and credit damage caused by unauthorized activity.
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.
Applicable State Law
This breach was reported under the Oregon Consumer Information Protection Act, which mandates notification and establishes your right to seek damages.
No. Under Oregon Consumer Information 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 American Consumer Credit Counseling, Inc. (“ACCC”) 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 American Consumer Credit Counseling, Inc. (“ACCC”) during the relevant period, you may still qualify even without receiving a letter. A free eligibility review can confirm your status.
Learn how to participate in the class action and what compensation you may be entitled to.
Join the Class Action →Use our verification tool to confirm your letter matches this official AG filing.
Verify My Notice LetterThis case file references a public filing made with the state filing in OR. This website is not affiliated with, endorsed by, or operated by any state government agency.
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