UPDATED CFPB DATA BREACH LIST · Prosperity Trust Credit

Kevin Cook

15d (edited) • General discussion

UPDATED CFPB DATA BREACH LIST

Here is the updated list of data breaches in 2025, all of which affect your information.

Update your personal profile with each CRA (Experian, Equifax and TransUnion). Understand you have the right to reduce your profile to one name, one email and one phone. Any employment info must be removed; you may sight FRCA rights or permissive purpose if necessary:

Experian Fraud Department: 1-888-397-3742

Equifax Fraud Department: 1-800-525-6285

TransUnion Fraud Department: 1-800-680-7289

2. Visit annualcreditreport.com and get updated copies of your credit reports. They should be updated within 4 banking days. If not, call back and complain.

3. Review the attached list for any and all companies providing CRAs with information. They are listed by type of company, and they all can be disputed (frozen). Where many of you are struggling , you're not challenging the BILL OF RIGHTS or ARBITRATION rights with them. Most of them have class actions that can get you deletion if you demand it, or arbitration case victory if you include a proper complaint, which has 7 very important components:

Party Information (Identification) - The complaint must provide the full legal names, physical addresses, telephone numbers, and email addresses for all claimants and respondents. If a business entity is involved, its corporate structure or formal registration name must be precisely stated.
The Arbitration Agreement (Jurisdictional Proof) - You must explicitly invoke the authority of the arbitrator by attaching or citing the original contract containing the arbitration clause. This provides the visual proof that both parties mutually consented to bypass public courtrooms. *YOU MAY NEED TO REQUEST THE BILL OF RIGHTS OR ARBITRATION CLAUSE IN YOUR CONTRACT.
Factual Statement of the Dispute - A chronological, clear narrative outlining what went wrong is required. It must explain the baseline relationship, the actions that led to the conflict, and relevant dates or milestones. Keep it simple, ask for help if you need it.
Legal Claims and Causes of Action - SIMPLE. The complaint needs to list the exact legal violations being claimed, such as breach of contract, fraud, statutory violations, or breach of fiduciary duty. It must connect the factual events directly to these legal infractions.
Demand for Relief and Valuation - MAKE IT HURT. You must state exactly what you want the arbitrator to award you. This includes itemized financial damages, an estimation of the total sum at stake, and specific requests for non-monetary relief.
Procedural Preferences (Rules, Seat, and Language) - YOU WANT HOME FIELD ADVANTAGE, SO TELL THE ARBITOR TO FOLLOW AND APPLY YOUR STATE'S LAWS or their corporate state, whichever is more favorable for you. The complaint should specify the preferred location (seat) of the arbitration, the language of the proceedings, and which specific tribunal administrative rules will govern the process.
Filing Fee and Signature - An authorized signature from the claimant or their legal counsel is mandatory to certify the claim. The filing must be accompanied by the required administrative fee payment dictated by the chosen arbitration provider's fee schedule. USE FIVERR to submit your prepared arbitration on their letterhead if necessary, but getting legal letterhead is worth the money.

I AM ONLY ARBITRATING FROM NOW ON. This is a tedious process, but if done properly, you'll win because it's even more tedious for them! Experience has taught me that they cookie cut everything, so all you need to do is find a crack in their game and outlast them. We're here to help... let's go! - Kevin

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UPDATED CFPB DATA BREACH LIST