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Pacific Residential Mortgage, LLC was the subject of a data breach notification filed with the OR Attorney General. The AG filing was recorded on March 26, 2025. The breach or discovery date reported in the filing is February 10, 2025.
From the AG filing description
Pacific Residential Mortgage, LLC operates as a prominent mortgage lending and financial services institution, guiding individuals and families through the complex process of purchasing and refinancing residential real estate. Because of the core nature of its business, the company collects, processes, and retains vast quantities of highly sensitive personal and financial data from its clients and prospective borrowers. This information is indispensable for underwriting loans, verifying creditworthiness, and complying with stringent federal and state lending regulations. Consequently, Pacific Residential Mortgage functions as a central repository for deeply confidential consumer dossiers, making its digital infrastructure an attractive target for malicious cybercriminals seeking high-value financial records. In 2025, Pacific Residential Mortgage reported a significant data security incident to the Oregon Attorney General, thrusting the private data of countless consumers into the hands of unauthorized actors. While the precise mechanics of the intrusion continue to be scrutinized, security incidents affecting mortgage lenders and financial institutions typically involve sophisticated cyberattacks such as unauthorized network intrusions, ransomware deployments, or compromises of third-party vendor systems integrated into the loan processing pipeline. These threat actors exploit vulnerabilities in digital defenses to bypass perimeter security, infiltrate internal databases, and exfiltrate extensive archives of unencrypted or inadequately secured consumer data before detection occurs. The data compromised in incidents of this magnitude invariably includes critical personally identifiable information and financial credentials, creating severe and long-lasting risks for affected consumers. Exposed records typically feature full names, Social Security numbers, dates of birth, home addresses, bank account numbers, tax returns, W-2 forms, and credit history reports. The release of this specific constellation of financial and identity data exposes victims to severe hazards, including immediate financial account takeover, fraudulent loan applications opened in their names, tax refund theft, and persistent, targeted phishing schemes. Because mortgage data encompasses a complete financial profile, victims face a heightened, multi-year risk of identity theft that requires constant vigilance and expensive credit monitoring services. As a financial institution handling sensitive consumer data, Pacific Residential Mortgage, LLC was bound by rigorous legal obligations to secure and protect this information under federal and state frameworks, including the Gramm-Leach-Bliley Act (GLBA) and Oregon state consumer protection laws. The GLBA explicitly mandates that financial institutions implement comprehensive administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records. The occurrence of a data breach of this scale strongly indicates a failure to maintain these required security standards, whether through outdated encryption protocols, unpatched network vulnerabilities, or insufficient employee cybersecurity training, representing a potential breach of the legal duty owed to consumers. Receiving a data breach notification letter from Pacific Residential Mortgage, LLC is an official acknowledgment that your private financial and personal information was compromised due to inadequate corporate security measures. Legally, this notification establishes the foundational standing required to participate in a class action lawsuit aimed at holding the company accountable for its security failures. Affected consumers do not need to prove that they have already suffered direct financial loss or identity theft to seek legal recourse; the mere exposure of their data creates compensable harm under the law. Our class action law firm evaluates 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.
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.
You may have been affected by the Pacific Residential Mortgage, LLC data breach if:
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.
Several state data breach laws provide for statutory minimum damages — fixed amounts recoverable per affected individual regardless of actual loss. These provisions exist specifically to make legal action viable for victims who have not yet experienced direct harm.
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 Pacific Residential Mortgage, 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 Pacific Residential Mortgage, LLC during the relevant period, you may still qualify even without receiving a letter. A free eligibility review can confirm your status.
Received a notification letter from Pacific Residential Mortgage, LLC?
Read our dedicated guide — what the letter means and what to do.
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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