4.4 Million Exposed in TransUnion Data Breach—Take Action!

TransUnion Data Breach Exposes Data of 4.4 Million—Another Reminder to Freeze Your Credit Yesterday!

By Alexander Hernandez, J.D., Professor, and Author of Consumer Bankruptcy Law (Routledge).

In yet another blow to consumer data, TransUnion, one of the “Big Three” credit reporting agencies, the others being Equifax and Experian, has confirmed a cyberattack that compromised the personal information of over 4.4 million individuals. The contact information for all three can be found via this link.

The TransUnion data breach occurred on  July 28, 2025, but public notification began on August 26 due to a regulatory filing with the Maine Attorney General’s Office.

According to the filing, the exposed data includes names and personal identifiers that are sensitive information. While the type of sensitive information was not listed, it likely applies to Social Security numbers, government IDs, or financial account details. TransUnion has sent notices to those affected.

As I noted in a post on freezing your credit in the wake of the DOGE (Department of Government Efficiency) takeover of our private information, which I reposted yesterday on social media, now there’s a recent whistleblower complaint on hacks of the Social Security Administration.

• Consider Freezing Your Credit Now Thanks to DOGE

Whether it is private companies that have been hacked, such as 23andMe, the federal government through the Social Security Administration, or Transunion, the facts seem clear, and that is the very institutions tasked with safeguarding our identities are increasingly porous.

What You Should Do (Preferably Before Reading This)

TransUnion is offering two years of free credit monitoring and identity theft protection via its *myTrueIdentity* service, which includes: daily credit report monitoring, fraud alerts, and up to $1 million in identity theft insurance.

As I’ve said before, reacting to a breach is not a substitute for proactive freezing. Once your data is exposed, it might be too late. Consider placing a credit freeze with all three bureaus (TransUnion, Equifax, Experian). It’s free, reversible, and far more effective than waiting for a fraud alert to ping your inbox.

Just to give you an idea of how well and quickly it works, applying for a new mortgage about one month ago, I received a call from the lender asking if I had a credit freeze. I said to give me ten minutes. I removed the freeze, and once I received notification that my credit was “pulled,” I froze it again!

It’s these little steps that you can take to protect yourself!

Educational Resources

• For Institutions: Colleges and universities may request examination copies of my textbook directly from Routledge Publishing.
• For Students & Practitioners: Single print and digital copies are available via Amazon Books.
• Video Lectures: Stream comprehensive legal breakdowns and video explanations on the Bankruptcy.blog YouTube Channel.

Bankruptcy Court & Consumer Resources

Explore additional consumer guides and state-specific directories to navigate your legal options:

• A step-by-step master guide to completing and understanding the bankruptcy petition.
• Bankruptcy Court Directory: Full listings for the federal bankruptcy court system and trustee contact information.
• State Bankruptcy Exemptions: Review your state‑specific exemptions or compare them with the federal exemptions.
• 341 Meeting Procedures: Prepare for your court date with updated rules, expectations, and practical guidance.

Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only.