HackingFinancial ServicesFinanceCustomer Data InvolvedIdentity (basic)Government IDHighResolved

LOWER, LLC

bd_2514e4cd77287102 · schema v1 · pii pii-v1

Severity

High

Discovered

Jan 27, 2022

Filed

Aug 2, 2022

To disclose

27 weeks

Affected · nationwide

91,34324 in this filing

Linked

15 filings

Confidence

50%

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

Lower LLC, a financial services company, reported an external system breach that occurred from December 10, 2021, to December 14, 2021. The breach, discovered on January 27, 2022, affected 24 Maine residents. The compromised information included names and Social Security numbers. Lower LLC provided written notification to the affected individuals and offered 12 months of complimentary identity theft protection services through Experian.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Jan 27, 2022 → Filed with AG Aug 2, 2022187d ✗ ME AG >90d27 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 · 27 weeks / 187 days

Dec 10, 2021

Begins

Jan 27, 2022

Discovered

Aug 2, 2022

Filed

vs. sector median

+18 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

Oregon State AGbd_7c08e1ba6cee05ac2022-08-02Verified by operator
California State AGbd_c89bacdc828a3dc32022-08-02Verified by operator
New Hampshire State AGbd_6797c8aa28eb91e02022-08-08 · +6dVerified by operator
New Hampshire State AGbd_684eb1dfac2ece3f2022-05-31 · +63dVerified by operator

Show 6 more filings ↓up to 70d gap

California State AGbd_625459f82668599b2022-10-06 · +65dVerified by operator
Delaware State AGbd_71783a8d00bb95792022-10-06 · +65dVerified by operator
Maine State AGbd_118024ac8e485c732022-05-27 · +67dVerified by operator
California State AGbd_2dad5330357429422022-05-27 · +67dVerified by operator
Washington State AGbd_fe440dee34e1a9c52022-05-27 · +67dVerified by operator
New Hampshire State AGbd_a70e920b76c1dd242022-10-11 · +70dVerified by operator

Showing first 10 of 14 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: 91,343state + nationwide
Data types: Identity (basic)Government ID
Data elements: Social Security number
Attack vector: Unauthorized Access
Threat actor: External

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: 27 weeks(187 days from discovery to filing)
Compliance flags: ME AG >90d · 187d
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: Aug 2, 2022
187d 90 days ME AG >90d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Jan 27, 2022 → Filed with AG: Aug 2, 2022	187d	90 days	ME AG >90d

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 11 filings · 6 states

View merged incident ↗

Maine State AGMay 27 · first

California State AGMay 27 · first

Washington State AGMay 27 · first

New Hampshire State AG+4d

Oregon State AG+67d

California State AG+67d

Maine State AG+67d · this page

New Hampshire State AG+73d

California State AG+132d

Delaware State AG+132d

New Hampshire State AG+137d

Pattern: first filing May 27 (ME), 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-a1252b4f8318/48910bc8-54bf-41fb-b6f9-a6ac802eb74a.shtml
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Aug 2, 2022
Raw hash: 7aeb27cbcb227263a431182ec84bb7c59e40c34f1d467d997c686653d94eb833

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 >90d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov