Internal documents and insider communications obtained by CDG News reveal that 700Credit, one of the auto industry's largest credit reporting and identity verification providers, experienced a data breach on or around October 25, 2025.
Driving the news: Consumer names, addresses, and Social Security numbers from auto financing applications submitted between May and October 2025 were compromised, according to a letter sent to its dealer partners.
For context: 700Credit discovered the breach after being "alerted to suspicious activity within our proprietary web-based application 700Dealer.com."
The company then brought in third-party forensic specialists to investigate, and determined that customer data had been copied from the application without authorization.
700Credit elaborated that its internal network remains unaffected.
How we got here: Dark web monitoring service databreach.io first flagged the breach in mid-November after spotting threat actors trying to sell stolen data online.
The listing claimed the database contained over 8 million records and that negotiations between attackers and the company had broken down.
Although managing director, Ken Hill, told Automotive News that only 5.6 million records were impacted.
Zooming out: A class action lawsuit has already landed. Patricia Young v. 700 Credit, LLC was filed November 24 in U.S. District Court for the Eastern District of Michigan, alleging “negligent security practices” led to the breach.
❝ Why it matte
TPRM report: https://www.rankiteo.com/company/700-credit
"id": "7001764780011",
"linkid": "700-credit",
"type": "Breach",
"date": "2025-12-03T00:00:00.000Z",
"severity": "100",
"impact": "4",
"explanation": "Attack with significant impact with customers data leaks"{'incident': {'affected_entities': [{'customers_affected': '5.6 million '
'records (per '
'company '
'statement), 8 '
'million records '
'(per dark web '
'listing)',
'industry': 'Automotive/Finance',
'location': None,
'name': '700Credit, LLC',
'size': "Large (auto industry's largest "
'providers)',
'type': 'Credit reporting and identity '
'verification provider'}],
'attack_vector': 'Suspicious activity within proprietary '
'web-based application (700Dealer.com)',
'data_breach': {'data_encryption': None,
'data_exfiltration': 'Yes (data copied without '
'authorization)',
'file_types_exposed': None,
'number_of_records_exposed': '5.6 million '
'(company '
'statement) / 8 '
'million (dark web '
'listing)',
'personally_identifiable_information': 'Yes '
'(names, '
'addresses, '
'SSNs)',
'sensitivity_of_data': 'High (PII, SSNs)',
'type_of_data_compromised': ['Consumer names',
'Addresses',
'Social Security '
'numbers',
'Auto financing '
'application '
'details']},
'date_detected': '2025-10-25',
'date_publicly_disclosed': '2025-11-24',
'description': '700Credit, a major credit reporting and identity '
'verification provider for the auto industry, '
'experienced a data breach compromising consumer '
'names, addresses, and Social Security numbers '
'from auto financing applications submitted '
'between May and October 2025.',
'impact': {'brand_reputation_impact': 'Likely significant',
'conversion_rate_impact': None,
'customer_complaints': None,
'data_compromised': 'Consumer names, addresses, '
'Social Security numbers, auto '
'financing application details',
'downtime': None,
'financial_loss': None,
'identity_theft_risk': 'High (SSNs compromised)',
'legal_liabilities': 'Class action lawsuit filed',
'operational_impact': None,
'payment_information_risk': None,
'revenue_loss': None,
'systems_affected': '700Dealer.com (proprietary '
'web-based application)'},
'initial_access_broker': {'backdoors_established': None,
'data_sold_on_dark_web': 'Yes (flagged '
'by '
'databreach.io)',
'entry_point': '700Dealer.com '
'(proprietary web-based '
'application)',
'high_value_targets': None,
'reconnaissance_period': None},
'investigation_status': 'Ongoing (third-party forensic '
'investigation)',
'motivation': 'Financial gain (data sold on dark web)',
'post_incident_analysis': {'corrective_actions': None,
'root_causes': 'Negligent security '
'practices (alleged in '
'lawsuit)'},
'ransomware': {'data_encryption': None,
'data_exfiltration': None,
'ransom_demanded': None,
'ransom_paid': None,
'ransomware_strain': None},
'references': [{'date_accessed': None,
'source': 'CDG News',
'url': None},
{'date_accessed': None,
'source': 'Automotive News',
'url': None},
{'date_accessed': None,
'source': 'databreach.io',
'url': None}],
'regulatory_compliance': {'fines_imposed': None,
'legal_actions': 'Class action lawsuit '
'(Patricia Young v. '
'700 Credit, LLC)',
'regulations_violated': None,
'regulatory_notifications': None},
'response': {'adaptive_behavioral_waf': None,
'communication_strategy': 'Letter sent to dealer '
'partners',
'containment_measures': None,
'enhanced_monitoring': None,
'incident_response_plan_activated': 'Yes',
'law_enforcement_notified': None,
'network_segmentation': None,
'on_demand_scrubbing_services': None,
'recovery_measures': None,
'remediation_measures': None,
'third_party_assistance': 'Forensic specialists'},
'stakeholder_advisories': 'Letter sent to dealer partners',
'title': '700Credit Data Breach',
'type': 'Data Breach'}}