HackingFinancial ServicesFinanceCustomer Data InvolvedGovernment IDIdentity (basic)HighContained

LOWER, LLC

bd_118024ac8e485c73 · schema v1 · pii pii-v1

Severity

High

Discovered

Jan 27, 2022

Filed

May 27, 2022

To disclose

17 weeks

Affected · nationwide

85,9584 in this filing

Linked

15 filings

Confidence

66%

Full breach record for LOWER, LLC →4 incidents on file

Lower LLC, a financial services entity, reported an external system breach (hacking) occurring between December 10 and 14, 2021, discovered on January 27, 2022. The incident compromised the names and driver's license numbers of 85,958 individuals, including 4 Maine residents. Lower LLC provided written notification and offered 12 months of credit monitoring and identity restoration services through Experian.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Jan 27, 2022 → Filed with AG May 27, 2022120d ✗ ME AG >90d17 weeks discovery → filing

⚠ AG web formThe discovery date came from the AG web-form field, which is systematically later than the detection date stated in the letter. Treat the clock as indicative.

Incident timeline

undetected · 48 days

discovery → filing · 17 weeks / 120 days

Dec 10, 2021

Begins

Jan 27, 2022

Discovered

May 27, 2022

Filed

vs. sector median

+9 wks slower

This filing is one of 15 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (10) · sorted by filing gap

California State AGbd_2dad5330357429422022-05-27Verified by operator
Washington State AGbd_fe440dee34e1a9c52022-05-27Verified by operator
New Hampshire State AGbd_684eb1dfac2ece3f2022-05-31 · +4dVerified by operator
Maine State AGbd_2514e4cd772871022022-08-02 · +67dVerified by operator

Show 6 more filings ↓up to 137d gap

Oregon State AGbd_7c08e1ba6cee05ac2022-08-02 · +67dVerified by operator
California State AGbd_c89bacdc828a3dc32022-08-02 · +67dVerified by operator
New Hampshire State AGbd_6797c8aa28eb91e02022-08-08 · +73dVerified by operator
California State AGbd_625459f82668599b2022-10-06 · +132dVerified by operator
Delaware State AGbd_71783a8d00bb95792022-10-06 · +132dVerified by operator
New Hampshire State AGbd_a70e920b76c1dd242022-10-11 · +137dVerified by operator

Showing first 10 of 14 linked disclosures.

Name: LOWER, LLC
norm: lower
Domain: lower.com

Name: LOWER, LLC
norm: lower
Domain: lower.com
Industry: Financial Servicesllm

Discovered: Jan 27, 2022
Breach occurred: Dec 10, 2021 – Dec 14, 2021
Undetected for: 48 daysoccurrence → discovery
Materiality determined: —
Notification sent: May 27, 2022
Affected individuals: 85,958state + nationwide
Data types: Government IDIdentity (basic)
Data elements: Driver's licence number
Attack vector: Unauthorized Access
MITRE ATT&CK: T1190 Exploit Public-Facing Application
Threat actor: External
Regulator citations: Filed data breach notice with Maine Attorney General's Office
Initial access: exploit_public_facing

During the incident: Sent written notification to affected individuals
Offered 12 months of identity theft protection services through Experian
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 17 weeks(120 days from discovery to filing)
Compliance flags: ME AG >90d · 120d
Discovery-date grounding: AG web formThe discovery date came from the AG web-form field, which is systematically later than the detection date stated in the letter. Treat the clock as indicative.
Clock breakdown: Statute Window Elapsed Threshold Status
Maine
Discovered: Jan 27, 2022
→ Filed with AG: May 27, 2022
120d 90 days ME AG >90d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Jan 27, 2022 → Filed with AG: May 27, 2022	120d	90 days	ME AG >90d

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 11 filings · 6 states

View merged incident ↗

California State AGMay 27 · first

Washington State AGMay 27 · first

Maine State AGMay 27 · first · this page

New Hampshire State AG+4d

Maine State AG+67d

Oregon State AG+67d

California State AG+67d

New Hampshire State AG+73d

California State AG+132d

Delaware State AG+132d

New Hampshire State AG+137d

Pattern: first filing May 27 (CA), last Oct 11 (NH) — a 137-day rolling notification. Rolling spreads often mean counsel is filing as thresholds trip per state. Why this link?

Cascade drawn from the first 10 linked disclosures of 14 — the full spread may be wider.

Evidence ladder

Leak-site claim

Attacker assertion only. Establishes: claim date, group, alleged victim.

Press / market report

Unlocks: incident narrative, operational impact. Still no compliance clock.

State AG / regulator filingThis record

Unlocks: discovery date, data types, affected count, compliance clock.

SEC 8-K / victim statement

Unlocks: materiality, stated response, full audit trail. Ceiling removed.

Source URL: https://www.maine.gov/agviewer/content/ag/985235c7-cb95-4be2-8792-a1252b4f8318/1c3572b0-4a11-45ff-b394-827aa9cf1aac.shtml
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: May 27, 2022
Raw hash: 317a82b7649602df8f3dcb4ffc140f6d0bc100fdb3ea81d875bab6fd7a3a9918

Linked disclosures

Regulatory filings (10) · sorted by filing gap

Reporting entityLOWER, LLC

Victim entityLOWER, LLC

Incidentdiscovered Jan 27, 2022

Stated responseSent written notification to affected individuals

ComplianceME AG >90d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov