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Verify My Notice LetterThis case file references a public filing made with the state filing in CA. This website is not affiliated with, endorsed by, or operated by any state government agency.
Pacific Residential Mortgage, LLC was the subject of a data breach notification filed with the CA 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 premier mortgage banking and residential lending institution, helping individuals and families secure home financing, refinance existing properties, and navigate the complex real estate purchasing process. Because of the core nature of the mortgage and lending industry, Pacific Residential Mortgage routinely collects and maintains vast repositories of deeply sensitive personal and financial data. To successfully underwrite loans and assess creditworthiness, the company requires applicants to submit exhaustive documentation detailing their entire financial lives, making it a primary repository for high-value consumer data. In 2025, Pacific Residential Mortgage, LLC reported a significant data security incident to the California Attorney General's office. While the precise mechanics of the intrusion continue to be investigated, incidents within the mortgage and financial sector typically involve sophisticated cyberattacks such as unauthorized access to legacy databases, credential stuffing targeting employee portals, or third-party vendor compromises within the digital loan origination and processing pipeline. These breaches often exploit vulnerabilities in network perimeters, allowing malicious actors to dwell undetected within corporate systems and quietly exfiltrate sensitive files containing confidential consumer information. The exposure resulting from a breach at a residential mortgage company compromises an exceptionally dangerous combination of data types. Consumers typically provide full names, Social Security numbers, dates of birth, home addresses, bank account numbers, tax returns, W-2 forms, and credit score histories. When malicious actors obtain Social Security numbers coupled with banking details and tax documentation, victims face an immediate and severe risk of financial account takeover, fraudulent loan applications opened in their names, and complex identity theft. Furthermore, because mortgage applications contain detailed employment and income histories, the compromised data provides cybercriminals with the exact blueprint needed to execute targeted phishing campaigns and long-term financial fraud. As a financial institution operating in California, Pacific Residential Mortgage, LLC is bound by stringent statutory obligations to protect consumer data under state privacy statutes, the California Consumer Privacy Act (CCPA), and applicable federal guidelines such as the Gramm-Leach-Bliley Act (GLBA). The GLBA and associated Federal Trade Commission Safeguards Rules mandate that financial institutions implement rigorous administrative, technical, and physical safeguards to protect customer records. The occurrence of a data breach of this magnitude strongly suggests potential failures in maintaining adequate cybersecurity infrastructure, patching known vulnerabilities, or properly vetting third-party vendor access, any of which can constitute a breach of legal duties. Receiving an official data breach notification letter from Pacific Residential Mortgage, LLC is both an alarming development and a formal legal acknowledgment that your private information was compromised due to corporate security shortcomings. Under modern data breach jurisprudence, the receipt of such a notice often establishes the legal standing necessary to participate in a class action lawsuit, as victims are forced to expend time and resources mitigating risks. Crucially, affected consumers do not need to demonstrate that they have already suffered direct financial loss to seek legal recourse and hold the company accountable. Our firm evaluates these cases on a 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 California Consumer Privacy Act (CCPA), you may have a legal claim against Pacific Residential Mortgage, 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.
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 California Consumer Privacy Act (CCPA) 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.
Applicable State Law
This breach was reported under the California Consumer Privacy Act (CCPA), which mandates notification and establishes your right to seek damages.
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