Upbound Group, Inc. Data Breach (September 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

   Upbound Group, Inc. offered free credit monitoring for 12 months through Experian. The enrollment deadline is Dec 31, 2026. 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 Sep 27, 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. 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.

6. 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.

7. Check your credit reports

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

8. 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 Sep 27, 2026)

The notice letter filed with the California Attorney General on Sep 27, 2026 lists this phone number for questions: 833-918-1248. 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 Sep 27, 2026

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

Timeline

1. Jul 3, 2026 Incident began (earliest date reported) source
2. Jul 6, 2026 Incident ended (latest date reported) source
3. Jul 13, 2026 Organization discovered the incident source
4. Sep 23, 2026 Notice letters dated source
5. Sep 27, 2026 Reported to California AG source
6. Sep 29, 2026 A class action was filed in District Court, E.D. Texas
7. Sep 30, 2026 A class action was filed in District Court, E.D. Texas
8. Oct 2, 2026 Reported to Texas AG source
9. Oct 8, 2026 A class action was filed in District Court, E.D. Texas

Sources

1. California Attorney General Notice filed Sep 27, 2026
   Filed as “Upbound Group, Inc.” · Official copy of the letter
2. Texas Attorney General Notice filed Oct 2, 2026
   Filed as “Upbound Group, Inc.” · 6,280 Texas residents · total 76,327
   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.