HackingFinancial ServicesFinanceDelayed DiscoveryCustomer Data InvolvedIdentity (basic)Government IDHighContained

IOU Central Inc.

bd_f806550703b210bd · schema v1 · pii pii-v1

Severity

High

Discovered

Feb 10, 2025

Filed

Mar 24, 2025

To disclose

6 weeks

Affected · nationwide

6,26528 in this filing

Linked

5 filings

Confidence

66%

Full breach record for IOU Central Inc. →

IOU Central Inc. notified the Maine AG of a data breach affecting 6,265 individuals, including 28 Maine residents. Unauthorized access occurred between October 18 and November 21, 2024, discovered on February 10, 2025. Compromised data included names, DOBs, driver's licenses, and SSNs. IOU Central engaged cybersecurity specialists, notified regulators and credit bureaus, and provided 12 months of credit monitoring.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Feb 10, 2025 → Filed with AG Mar 24, 202542d ⏱ ME AG >30d6 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

undetected · 115 days

discovery → filing · 6 weeks / 42 days

Oct 18, 2024

Begins

Feb 10, 2025

Discovered

Mar 24, 2025

Filed

vs. sector median

2 wks faster

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
Montana State AGbd_597d316dd1c5f0772025-03-24Candidate
Massachusetts State AGbd_a03725212c60ace32025-03-25 · +1dVerified

Name: Constangy, Brooks, Smith & Prophete, LLP
norm: constangy brooks smith prophete

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

Discovered: Feb 10, 2025
Breach occurred: Oct 18, 2024
Undetected for: 115 daysoccurrence → discovery
Materiality determined: —
Notification sent: Mar 24, 2025
Affected individuals: 6,265state + nationwide
Data types: Identity (basic)Government ID
Data elements: Date of birth
Attack vector: Unauthorized Access
MITRE ATT&CK: T1078 Valid Accounts
Threat actor: External
Regulator citations: Notified Maine Attorney GeneralProviding written notice to relevant state and federal regulatorsNotified Equifax, Experian, and TransUnion

During the incident: Engaged cybersecurity specialists to assist with the incident response
Undertook a comprehensive review of those files
Providing access to credit monitoring services for twelve (12) months
Providing impacted individuals with guidance on how to better protect against identity theft and fraud
Providing written notice of this incident to relevant state and federal regulators
Providing written notice to the three major credit reporting agencies
Changes made: Working to implement additional safeguards and training to its employees
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 6 weeks(42 days from discovery to filing)
Compliance flags: ME AG >30d · 42d
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.
Clock breakdown: Statute Window Elapsed Threshold Status
Maine
Discovered: Feb 10, 2025
→ Filed with AG: Mar 24, 2025
42d 30 days (soft) ME AG >30d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Feb 10, 2025 → Filed with AG: Mar 24, 2025	42d	30 days (soft)	ME AG >30d

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

Montana State AGMar 24 · first

Maine 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://www.maine.gov/agviewer/content/ag/985235c7-cb95-4be2-8792-a1252b4f8318/38221494-e20e-4d93-8d8c-21c53fae3d37.html
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: 63c14f787cdf2fd9a4bb575a242cb183f12772c029e8e94333ab19e2e18048cd

Linked disclosures

Regulatory filings (4) · sorted by filing gap

Reporting entityConstangy, Brooks, Smith & Prophete, LLP

Victim entityIOU Central Inc.

Incidentdiscovered Feb 10, 2025

Stated responseEngaged cybersecurity specialists to assist with the incident response

ComplianceME AG >30d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov