SF Fire Credit Union Reports Data Breach That Leaked Member’s Card Information | Console and Associates, PC

On August 18, 2022, SF Fire Credit Union reported a data breach to the California Attorney General’s office after the organization suffered a data security incident affecting certain members’ sensitive information. According to the SF Fire Credit Union, the breach compromised some people’s names, credit card numbers, CVV numbers, card expiration dates and PIN numbers. After confirming the breach and identifying all affected parties, SF Fire Credit Union began sending data breach letters to all affected parties.

If you have received a data breach notification, it is essential that you understand what is at risk and what you can do about it. To learn more about how to protect yourself from fraud or identity theft and what your legal options are following the SF Fire Credit Union data breach, please see our recent article on the subject. here.

What we know about the SF Fire Credit Union data breach

Information about the SF Fire Credit Union data breach comes from the company’s official filing with the California Attorney General. Although the information provided in the letter is sparse, it appears that the breach occurred from July 2, 2022 to July 6, 2022, as well as July 30 and 31, and August 1, 2, 7, and 8. Unfortunately, the company did not provide any details about the incident other than that the breach impacted affected members’ names, credit card numbers, CVV numbers, dates of card expiration and PIN numbers

In response, SF Fire Credit Union informed all members who were affected by the breach that the credit union will cancel their cards and reissue new cards with different numbers. Also, instead of offering free credit monitoring, SF Fire Credit Union is offering all eligible members a one-time deposit of $120 into their account, which they can use to pay for credit monitoring if they wish. .

On August 18, 2022, SF Fire Credit Union sent data breach letters to everyone whose information was compromised as a result of the recent data security incident.

More information about SF Fire Credit Union

Founded in 1951, SF Fire Credit Union is a credit union based in San Francisco, California. Originally created by firefighters exclusively for firefighters, SF Fire Credit Union now serves anyone who lives, works or goes to school in San Francisco, San Mateo and Marin County. SF Fire Credit Union operates three physical locations throughout San Francisco, as well as two shared branches and several dozen ATMs throughout the region. SF Fire Credit Union employs more than 272 people and generates approximately $40 million in annual revenue.

Can consumers sue a credit union that leaked their information?

Yes, under US data breach laws, all organizations, including nonprofits, educational institutions, government entities, and credit unions, have a duty to protect sensitive information from consumers in their possession. Thus, the fact that an organization is a non-profit entity, such as a credit union, does not prevent data breach victims from taking legal action against the organization.

Of course, the responsibility for a data breach doesn’t always lie with the organization that leaked consumer information. Generally, before an organization can be held liable for a data breach, there must be evidence that the organization was negligent in the way it handled consumer information that ultimately been disclosed. Additionally, data breach victims must prove that organizational failures were the cause of their harm. In other words, there was a causal link between the negligence of the organization and the damages suffered by the victim of the data breach. In most cases, it is identity theft or other types of fraud.

Put simply, to successfully hold an organization financially liable for a data breach, a victim must prove each of the following:

  • The organization owed the victim a duty of care;

  • The organization failed in its duty to the victim;

  • The organization’s negligence caused or contributed to the victim’s harm (ie identity theft); and

  • The victim suffered economic or non-economic harm as a result.

It is important to note that the courts have recently ruled that victims of a data breach do not necessarily need to be victims of identity theft in order to sue for a data breach. These courts have held that the increased risk of identity theft in the future is sufficient to give the victim the right to sue. Thus, victims of a data breach may be able to press charges even if they have not yet been victims of identity theft or other fraud.

Those who wish to learn more about protecting their interests and enforcing their rights following a data breach should contact an experienced data breach attorney for assistance.

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