HackingFinancial ServicesFinanceStolen CredentialsDelayed DiscoveryIdentity (basic)Government IDMediumContained

IOU Central Inc.

bd_597d316dd1c5f077 · schema v1 · pii pii-v1

Severity

Medium

Discovered

Nov 18, 2024

Filed

Mar 24, 2025

To disclose

18 weeks

Affected

2state residents only

Linked

5 filings

Confidence

66%

Full breach record for IOU Central Inc. →

IOU Central, Inc. notified Montana residents of a data security incident where unauthorized access to personal information (names, DOB, driver's license numbers) occurred starting October 18, 2024. The company detected suspicious activity on November 18, 2024, and sent notifications on March 24, 2025. Affected individuals were offered 12 months of credit monitoring.

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Incident timeline

undetected · 31 days

discovery → filing · 18 weeks / 126 days

Oct 18, 2024

Begins

Nov 18, 2024

Discovered

Mar 24, 2025

Filed

vs. sector median

+10 wks slower

This filing is one of 5 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (4) · sorted by filing gap

Nebraska State AGbd_13fdbcf54a2ae5e92025-03-24Verified
Indiana State AGbd_16138fa2a7ed79252025-03-24Verified
Maine State AGbd_f806550703b210bd2025-03-24Verified
Massachusetts State AGbd_a03725212c60ace32025-03-25 · +1dVerified

Name: IOU Central Inc.
norm: iou central

Name: IOU Central Inc.
norm: iou central
Industry: Financial Servicesllm

Discovered: Nov 18, 2024
Breach occurred: Oct 18, 2024
Undetected for: 31 daysoccurrence → discovery
Materiality determined: —
Notification sent: Mar 24, 2025
Affected individuals: 2state-resident count only
Data types: Identity (basic)Government ID
Data elements: Date of birth
Attack vector: Unauthorized Access
MITRE ATT&CK: T1078 Valid Accounts
Threat actor: External
Initial access: valid_credentials

During the incident: Initiated an investigation of the matter
Engaged cybersecurity specialists to assist with the incident response
Undertook a comprehensive review of those files
Implemented measures to enhance security
Providing access to Single Bureau Credit Monitoring services at no charge
Providing proactive fraud assistance
Changes made: Implemented measures to enhance security and minimize the risk of a similar incident occurring in the future
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 18 weeks(126 days from discovery to filing)
Compliance flags: — (clock not assessable for this source)

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 5 filings · 5 states

View merged incident ↗

Nebraska State AGMar 24 · first

Indiana State AGMar 24 · first

Maine State AGMar 24 · first

Montana State AGMar 24 · first · this page

Massachusetts State AG+1d

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://dojmt.gov/wp-content/uploads/2025/04/Consumer-notification-letter-27.pdf
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Mar 24, 2025
Raw hash: 16c4e09391cb3d403bea5943e0196bc66e4f2630218bf2a43ecc15904fe5f552

Linked disclosures

Regulatory filings (4) · sorted by filing gap

Reporting entityIOU Central Inc.

Victim entityIOU Central Inc.

Incidentdiscovered Nov 18, 2024

Stated responseInitiated an investigation of the matter

Complianceclock not assessable

Extraction provenanceno artifact recorded

Source provenancedojmt.gov