**700Credit Data Breach Exposes 8.4 Million Consumer Records**
On October 25, 2025, 700Credit, LLC, a major provider of credit reports and compliance solutions for automotive dealerships, suffered a large-scale data breach affecting millions of U.S. consumers. The incident was detected after the company identified suspicious activity within its web application, prompting an investigation by third-party forensic specialists.
The breach exposed personally identifiable information (PII), including full names, addresses, dates of birth, Social Security numbers, and employment details. On November 16, 2025, a threat actor known as ROOTBOY claimed responsibility, advertising the sale of 8.4 million stolen records on an open hacking forum.
700Credit officially disclosed the breach to the California and Maine Attorney Generals’ offices on December 12, 2025. In response, the company is reviewing and strengthening its data security policies and offering complimentary credit monitoring services through Cyberscout (a TransUnion company) to affected individuals.
A dedicated call center (833-586-1820) has been established for impacted consumers seeking assistance. The breach underscores the ongoing risks of large-scale PII exposure in the automotive and credit reporting sectors.
Source: https://www.claimdepot.com/data-breach/700credit-2025
Open Dealer Exchange cybersecurity rating report: https://www.rankiteo.com/company/open-dealer-exchange-llc
"id": "OPE1765763664",
"linkid": "open-dealer-exchange-llc",
"type": "Breach",
"date": "10/2025",
"severity": "85",
"impact": "4",
"explanation": "Attack with significant impact with customers data leaks"{'affected_entities': [{'customers_affected': '8.4 million',
'industry': 'Credit Reporting, Automotive Compliance '
'Solutions',
'location': 'United States',
'name': '700Credit, LLC',
'type': 'Company'}],
'attack_vector': 'Web Application',
'customer_advisories': 'Call center setup at 833-586-1820, Monday through '
'Friday, 8 a.m. to 6 p.m. ET',
'data_breach': {'data_exfiltration': 'Yes',
'number_of_records_exposed': '8.4 million',
'personally_identifiable_information': 'Yes',
'sensitivity_of_data': 'High',
'type_of_data_compromised': ['Full names',
'Addresses',
'Dates of birth',
'Social Security numbers',
'Employment information']},
'date_detected': '2025-10-25',
'date_publicly_disclosed': '2025-12-12',
'description': '700Credit, LLC, a leading provider of credit reports and '
'compliance solutions for automotive dealerships, experienced '
'a significant data breach affecting millions of consumers '
'nationwide. The breach disclosed personally identifiable '
'information (PII) of potentially a significant number of '
'individuals across the U.S.',
'impact': {'brand_reputation_impact': 'High',
'data_compromised': 'Personally Identifiable Information (PII)',
'identity_theft_risk': 'High',
'systems_affected': 'Web Application'},
'initial_access_broker': {'data_sold_on_dark_web': 'Yes',
'entry_point': 'Web Application'},
'investigation_status': 'Ongoing',
'motivation': 'Financial Gain',
'post_incident_analysis': {'corrective_actions': 'Reviewing and updating '
'policies, procedures, and '
'processes related to the '
'storage and access of '
'personal information'},
'recommendations': ['Sign up for free Cyberscout credit monitoring services',
'Monitor credit reports and financial accounts for '
'unusual activity',
'Be alert for phishing emails or phone calls',
'Consider placing a fraud alert or credit freeze with '
'major credit bureaus'],
'references': [{'date_accessed': '2025-11-16',
'source': 'Hacking forum post by ROOTBOY'}],
'regulatory_compliance': {'regulatory_notifications': ['California Attorney '
"General's office",
'Maine Attorney '
"General's office"]},
'response': {'communication_strategy': 'Disclosure to California and Maine '
"Attorney Generals' offices, call "
'center setup for affected individuals',
'incident_response_plan_activated': 'Yes',
'remediation_measures': 'Reviewing and updating policies, '
'procedures, and processes related to '
'the storage and access of personal '
'information',
'third_party_assistance': 'Forensic specialists'},
'threat_actor': 'ROOTBOY',
'title': '700Credit Data Breach',
'type': 'Data Breach'}