HackingFinancial ServicesFinanceCustomer Data InvolvedIdentity (basic)Government IDHigh

LOWER, LLC

bd_2245eba1b67dabbe · schema v1 · pii pii-v1

Severity

High

Discovered

Jan 27, 2022

Filed

Feb 24, 2022

To disclose

28 days

Affected · nationwide

1,6471 in this filing

Linked

17 filings

Confidence

50%

Full breach record for LOWER, LLC →2 incidents on file

Lower LLC, a financial services company, reported a data breach that affected one Maine resident. The breach, which occurred between December 10 and December 14, 2021, and was discovered on January 27, 2022, involved an external system hack. The compromised information included names and Social Security numbers. Lower LLC provided the affected individual with 12 months of complimentary identity restoration, fraud consultation, and credit monitoring services through Experian.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Jan 27, 2022 → Filed with AG Feb 24, 202228d ✓ ME AG ≤30d28 days 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 · 28 days

Dec 10, 2021

Begins

Jan 27, 2022

Discovered

Feb 24, 2022

Filed

vs. sector median

4 wks faster

This filing is one of 17 filings about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (10) · sorted by filing gap

Maine State AGbd_118024ac8e485c732022-05-27 · +92dVerified by operator
South Carolina State AGbd_55256712e2ff1bc32022-05-31 · +96dVerified by operator
New Hampshire State AGbd_684eb1dfac2ece3f2022-05-31 · +96dVerified by operator
Maine State AGbd_2514e4cd772871022022-08-02 · +159dVerified by operator

Show 6 more filings ↓up to 229d gap

Oregon State AGbd_7c08e1ba6cee05ac2022-08-02 · +159dVerified by operator
California State AGbd_c89bacdc828a3dc32022-08-02 · +159dVerified by operator
New Hampshire State AGbd_6797c8aa28eb91e02022-08-08 · +165dVerified by operator
California State AGbd_625459f82668599b2022-10-06 · +224dVerified by operator
Delaware State AGbd_71783a8d00bb95792022-10-06 · +224dVerified by operator
New Hampshire State AGbd_a70e920b76c1dd242022-10-11 · +229dVerified by operator

Showing first 10 of 16 linked disclosures.

Name: LOWER, LLC
norm: lower

Name: LOWER, LLC
norm: lower
Industry: Financial Servicesllm

Discovered: Jan 27, 2022
Breach occurred: Dec 10, 2021 – Dec 14, 2021
Undetected for: 48 daysoccurrence → discovery
Materiality determined: —
Notification sent: Feb 24, 2022
Affected individuals: 1,647state + nationwide
Data types: Identity (basic)Government ID
Data elements: Social Security number
Attack vector: Unauthorized Access

Changes made: Offered 12 months of complimentary identity restoration, fraud consultation, and credit monitoring services through Experian.
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 28 days(28 days from discovery to filing)
Compliance flags: ME AG ≤30d · 28d
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: Feb 24, 2022
28d 30 days ME AG ≤30d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Jan 27, 2022 → Filed with AG: Feb 24, 2022	28d	30 days	ME AG ≤30d

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 11 filings · 6 states

View merged incident ↗

Maine State AGFeb 24 · first · this page

Maine State AG+92d

South Carolina State AG+96d

New Hampshire State AG+96d

Maine State AG+159d

Oregon State AG+159d

California State AG+159d

New Hampshire State AG+165d

California State AG+224d

Delaware State AG+224d

New Hampshire State AG+229d

Pattern: first filing Feb 24 (ME), last Oct 11 (NH) — a 229-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 16 — 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-a1252b4f8318/6ddd01b7-a616-4a04-8655-5a9f3ff55202.shtml
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Feb 24, 2022
Raw hash: bb40bf16a96f386f2f6a27b05734fd8b04c75930211d06e59ad81bc5258fafca

Linked disclosures

Regulatory filings (10) · sorted by filing gap

Reporting entityLOWER, LLC

Victim entityLOWER, LLC

Incidentdiscovered Jan 27, 2022

Stated responseOffered 12 months of complimentary identity restoration, fraud consultation, and credit monitoring services through Experian.

ComplianceME AG ≤30d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov