700 Credit Data Breach Lawsuit: Are You Eligible?
700 Credit Data Breach: What You Need to Know About the Class Action Lawsuit
A significant data breach allegedly targeting 700 Credit, LLC has exposed the sensitive personal information of potentially millions of Americans. A class action lawsuit filed in the United States District Court for the Eastern District of Michigan claims the company failed to protect customer data from cybercriminals. If you received services from an automotive, RV, powersports, or marine dealership, your information may have been compromised.
Understanding the 700 Credit Data Breach and Its Impact
700 Credit, LLC is the largest provider of credit reports, identity verification, fraud detection, and compliance solutions for automotive and related dealerships across the United States. When consumers visit dealerships to purchase vehicles or obtain financing, their personal information is often processed through 700 Credit’s systems. This business model means the company maintains vast databases containing extremely sensitive consumer data.
According to the class action complaint filed in December 2025, a data breach allegedly occurred in October 2025 that may have exposed the following types of private information:
- Full legal names
- Social Security numbers
- Dates of birth
- Home addresses
What makes this situation particularly concerning is that, according to the lawsuit, 700 Credit has not issued any public disclosure about the breach nor provided notice to affected individuals. This lack of transparency leaves millions of consumers potentially unaware that your most sensitive personal data may now be in the hands of cybercriminals.
The combination of information allegedly stolen—particularly Social Security numbers paired with names, dates of birth, and addresses—creates what security experts call a “fullz package.” This comprehensive identity profile is highly valuable on the dark web and provides criminals with everything needed to commit identity theft, open fraudulent accounts, file false tax returns, or obtain government benefits in victims’ names.
Unlike credit card breaches where consumers can simply cancel and replace their cards, the type of information exposed in this breach is permanent and cannot be changed. A Social Security number stays with you for life, meaning affected individuals may face elevated identity theft risks for decades to come.
Allegations Against 700 Credit and Your Legal Rights
The class action lawsuit alleges that 700 Credit failed to implement reasonable and industry-standard security measures to protect consumer data. Specifically, the complaint claims the company:
- Failed to encrypt sensitive personal information
- Did not implement adequate multi-factor authentication systems
- Lacked proper employee cybersecurity training
- Failed to maintain appropriate network monitoring and intrusion detection systems
- Did not follow Federal Trade Commission guidelines for data security
- Violated industry standards established by organizations like the National Institute of Standards and Technology (NIST) and the Center for Internet Security
The lawsuit brings multiple legal claims against 700 Credit, including negligence, breach of fiduciary duty, unjust enrichment, and breach of third-party beneficiary contract. The plaintiff argues that as a company handling extremely sensitive financial and personal data, 700 Credit had clear legal and ethical obligations to protect that information from unauthorized access.
According to the complaint, these security failures allowed cybercriminals to access, stage, and exfiltrate massive amounts of consumer data without detection. Had 700 Credit implemented basic security monitoring, the breach could potentially have been prevented or stopped much earlier, significantly reducing the number of affected individuals.
Victims of this data breach may be entitled to compensation for various damages, including:
- Costs of credit monitoring and identity theft protection services
- Time spent addressing the breach and monitoring accounts
- Out-of-pocket expenses related to identity theft prevention
- Emotional distress and anxiety caused by the breach
- Actual losses from identity theft or fraud
