MLD Mortgage Inc. dba The Money Store Data Breach (October 2026): What Was Exposed and What To Do

What to do now

Steps chosen from the information listed in the official filings. Your own letter may list more.

1. Enroll in the free credit monitoring

   MLD Mortgage Inc. dba The Money Store offered free credit monitoring through IDX. The enrollment deadline is Jan 15, 2027. Use the enrollment code printed in your letter. Never share that code with anyone who contacts you.

   Source: notice letter in the California Attorney General filing of Oct 15, 2026

2. Freeze your credit at all three bureaus

   A credit freeze stops new credit accounts being opened in your name. It is free by law and you can lift it when you need credit: Equifax, Experian and TransUnion.

3. Get an IRS Identity Protection PIN

   An IP PIN stops someone else filing a tax return with your Social Security number. Get one from the IRS at irs.gov.

4. Contact your bank or credit union

   Review recent transactions, ask about account alerts, and ask whether a new account number is recommended.

5. Review your health insurance statements

   Check the Explanation of Benefits (EOB) statements from your insurer for visits, prescriptions or claims you do not recognize, and contact your insurer about anything unfamiliar.

6. Contact your state motor vehicle agency

   Ask your state's DMV what it recommends when a driver's license number has been exposed. Find your state's agency at USA.gov.

7. Watch for phishing calls, texts and emails

   Scammers often contact people after a breach, pretending to be the organization, a bank or a government agency. Do not give your Social Security number, passwords or codes to anyone who contacts you first.

8. Check your credit reports

   You can get free credit reports from all three bureaus at AnnualCreditReport.com, the official site.

9. Report identity theft if you see signs of it

   The Federal Trade Commission's IdentityTheft.gov gives you a personal recovery plan.

Is the letter real?

The agency published an official copy of the notice. Compare your letter with it:

• Official copy of the notice letter (California Attorney General, filed Oct 15, 2026)

The notice letter filed with the California Attorney General on Oct 15, 2026 lists this phone number for questions: 1-866-200-0951. If the number in your letter is different, call the number in the official copy instead.

Source: notice letter in the California Attorney General filing of Oct 15, 2026

Never give your Social Security number, bank details or passwords to someone who contacts you first.

Timeline

1. Sep 8, 2026 Incident began (earliest date reported) source
2. Sep 9, 2026 Incident ended (latest date reported) source
3. Sep 9, 2026 Organization discovered the incident source
4. Oct 9, 2026 A class action was filed in District Court, D. New Jersey
5. Oct 9, 2026 A class action was filed in District Court, D. New Jersey
6. Oct 9, 2026 A class action was filed in District Court, D. New Jersey
7. Oct 9, 2026 A class action was filed in District Court, D. New Jersey
8. Oct 15, 2026 Notice letters dated source
9. Oct 15, 2026 Reported to California AG source
10. Oct 16, 2026 Reported to Texas AG source

Sources

1. California Attorney General Notice filed Oct 15, 2026
   Filed as “MLD Mortgage Inc. dba The Money Store” · Official copy of the letter
2. Texas Attorney General Notice filed Oct 16, 2026
   Filed as “MLD Mortgage Inc. dba The Money Store” · 1,367 Texas residents · total 45,561
   The link opens the agency's list; search it for the organization name.

Last updated Oct 20, 2026. Our summaries are written in our own words from the official filings above. Spotted an error? Report a correction.