HackingFinancial ServicesFinanceStolen CredentialsData ExfiltratedGovernment IDPIIMediumContained

EMM LOANS LLC

bd_d02023d8f48bcab7 · schema v1 · pii pii-v1

Severity

Medium

Discovered

Feb 12, 2024

Filed

Nov 7, 2024

To disclose

38 weeks

Affected

Not disclosed

Linked

5 filings

Confidence

66%

Full breach record for EMM LOANS LLC →

EMM Loans LLC notified Vermont consumers of a data security incident discovered on February 12, 2024. Unauthorized access to the network resulted in the exposure of Social Security numbers. The company engaged forensic experts, notified the FBI, and provided 12 months of credit monitoring via TransUnion.

J jump to incidentP pin to compareR raw source

Vermont clock✗ VT AG >45 bday38 weeks discovery → filing

⚠ unattributedNo provenance was recorded for this discovery date and it matches no other date on the record. It may be correct, but it is not independently grounded.

Incident timeline

discovery → filing · 38 weeks / 269 days

Feb 12, 2024

Discovered

Nov 7, 2024

Filed

vs. sector median

+30 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

Massachusetts State AGbd_50254e778a3573432024-11-07Verified
Maine State AGbd_5e8805177629c8742024-11-07Verified
New Hampshire State AGbd_63f1892ecd3b21ef2024-11-07Verified
Indiana State AGbd_242d8f138e1f073d2024-10-30 · +8dCandidate

Name: EMM LOANS LLC
norm: emm loans

Name: EMM LOANS LLC
norm: emm loans
Industry: Financial Servicesllm

Discovered: Feb 12, 2024
Materiality determined: —
Notification sent: Sep 4, 2024
Affected individuals: Not disclosed
Data types: Government IDPII
Data elements: Social Security number
Attack vector: Unauthorized Access
MITRE ATT&CK: T1078 Valid Accounts
Threat actor: ExternalFinancial
Regulator citations: Notified the Federal Bureau of Investigation
Initial access: valid_credentials

During the incident: Engaged cybersecurity experts to assist with the process
Engaged a third party to conduct a comprehensive review of all affected information
Notified the Federal Bureau of Investigation of the incident
Secured the services of TransUnion to provide credit monitoring and identity theft restoration services
Changes made: Implemented additional security measures to protect our digital environment
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 38 weeks(269 days from discovery to filing)
Compliance flags: VT AG >45 bday
Discovery-date grounding: unattributedNo provenance was recorded for this discovery date and it matches no other date on the record. It may be correct, but it is not independently grounded.

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 5 filings · 5 states

View merged incident ↗

Indiana State AGOct 30 · first

Massachusetts State AG+8d

Maine State AG+8d

New Hampshire State AG+8d

Vermont State AG+8d · this page

Pattern: first filing Oct 30 (IN), last Nov 7 (VT) — a 8-day rolling notification. Rolling spreads often mean counsel is filing as thresholds trip per state. Why this link?

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://ago.vermont.gov/document/2024-11-07-emm-loans-data-breach-notice-consumers
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Nov 7, 2024
Raw hash: e8dfeeee774af5c211fe4e04930136d623667a666f0f4e9a29b2d34a0dd6bce8

Linked disclosures

Regulatory filings (4) · sorted by filing gap

Reporting entityEMM LOANS LLC

Victim entityEMM LOANS LLC

Incidentdiscovered Feb 12, 2024

Stated responseEngaged cybersecurity experts to assist with the process

ComplianceVT AG >45 bday

Extraction provenanceno artifact recorded

Source provenanceago.vermont.gov