Social EngineeringFinancial ServicesFinancePhishingCustomer Data InvolvedGovernment IDHigh

Acra Lending

bd_49b56d45deb5838c · schema v1 · pii pii-v1

Severity

High

Discovered

Feb 18, 2022

Filed

Mar 22, 2022

To disclose

5 weeks

Affected · nationwide

8,3264 in this filing

Linked

2 filings

Confidence

50%

Full breach record for Acra Lending →

Citadel Servicing Corporation dba Acra Lending reported a data breach caused by a phishing email. The incident occurred between March 31, 2021, and August 24, 2021, and was discovered on February 18, 2022. The breach affected four Maine residents. The company offered 12 months of identity theft protection services through TransUnion.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Feb 18, 2022 → Filed with AG Mar 22, 202232d ⏱ ME AG >30d5 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 · 324 days

discovery → filing · 5 weeks / 32 days

Mar 31, 2021

Begins

Feb 18, 2022

Discovered

Mar 22, 2022

Filed

vs. sector median

4 wks faster

This filing is one of 2 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (1) · sorted by filing gap

Montana State AGbd_2d5427043c8c92e72022-03-22Candidate

Name: Acra Lending
norm: acra lending

Name: Acra Lending
norm: acra lending
Also named: Citadel Servicing Corporationdba oflegal entity
Acra Lendingdba oftrade name
Industry: Financial Servicesllm

Discovered: Feb 18, 2022
Breach occurred: Mar 31, 2021 – Aug 24, 2021
Undetected for: 324 daysoccurrence → discovery
Materiality determined: —
Notification sent: Mar 18, 2022
Affected individuals: 8,326state + nationwide
Data types: Government ID
Data elements: Social Security number
Attack vector: Phishing
Threat actor: External

Changes made: Offered 12 months of identity theft protection services through TransUnion.
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 5 weeks(32 days from discovery to filing)
Compliance flags: ME AG >30d · 32d
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: Feb 18, 2022
→ Filed with AG: Mar 22, 2022
32d 30 days (soft) ME AG >30d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Feb 18, 2022 → Filed with AG: Mar 22, 2022	32d	30 days (soft)	ME AG >30d

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 2 filings · 2 states

View merged incident ↗

Montana State AGMar 22 · first

Maine State AGMar 22 · first · this page

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-a1252b4f8318/75ff4b2f-a544-440b-9638-2e86e5e27537.shtml
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Mar 22, 2022
Raw hash: fac4bbb25cb2fdae64bb23d9bb924b3098cc801a87389cdc6aaaa014dd4c4ac1

Linked disclosures

Regulatory filings (1) · sorted by filing gap

Reporting entityAcra Lending

Victim entityAcra Lending

Incidentdiscovered Feb 18, 2022

Stated responseOffered 12 months of identity theft protection services through TransUnion.

ComplianceME AG >30d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov