Upbound Group, Inc. (“Upbound”) is providing this notice of a security incident to provide information about the incident and share resources we have made available to those affected by it.
On July 13, 2026, Upbound learned of a cybersecurity incident in which an unauthorized third party obtained certain computer files stored in cloud applications. Upbound immediately ensured the effective implementation of containment, remediation and enhancement measures, notified law enforcement, and launched an investigation, with the assistance of a leading cybersecurity expert, in order to mitigate the effects of the incident and minimize the likelihood of a recurrence in the future.
Through the investigation, we determined that between July 3 and July 6, 2026, an unauthorized third party obtained files that included personal information. The data involved varies from person to person, but may include name, address, phone number, email address, date of birth, Social Security number or taxpayer identification number, government identification information, medical information, and financial account number and/or payment card information.
Upon completion of the investigation, we began personally notifying affected individuals for whom we have contact information.
We deeply regret that this occurred. As a precaution, we have arranged for affected individuals to enroll in complimentary credit and/or identity protection services through Experian. The specific services and enrollment process depend on your country of residence.
We have set up a dedicated resource line to answer any questions about this incident, and for affected individuals to enroll in the Experian services. Please do not hesitate to call 833-918-1248 if you have any questions or concerns. Spanish speakers may reach the resource line at 214-393-3176. The resource line is available Monday through Friday, 9 a.m. to 9 p.m. Eastern Time.
You should remain vigilant for the next 12 to 24 months for incidents of fraud and identity theft, including by regularly reviewing your account statements and monitoring credit reports. If you discover any suspicious or unusual activity on your accounts or suspect identity theft or fraud, report it immediately to your financial institutions.
Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus: Equifax, Experian, and TransUnion. To order a free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed below to request a free copy of their credit report. If you discover information on your credit report arising from a fraudulent transaction, you should request that the credit reporting agency delete that information from your credit report file.
Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a one-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If consumers are the victim of identity theft, they are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should consumers wish to place a fraud alert, please contact any of the three major credit reporting bureaus listed below. As soon as that agency processes your fraud alert, it will notify the other two agencies, which then must also place fraud alerts in your file.
As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in a consumer’s name without consent. However, consumers should be aware that using a credit freeze to take control over who gets access to the personal and financial information in their credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application they make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, consumers cannot be charged to place or lift a credit freeze on their credit report. To request a credit freeze, individuals may need to provide some or all of the following information:
Should consumers wish to place a credit freeze or fraud alert, please contact the three major credit reporting bureaus listed below:
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Equifax (800) 685-1111 P.O. Box 740256 Atlanta, GA 30374-0241 www.Equifax.com/personal/credit-report-services |
Experian (888) 397-3742 P.O. Box 9554 Allen, TX 75013 www.Experian.com/help |
TransUnion (888) 909-8872 TransUnion Fraud Victim Assistance Department P.O. Box 2000 Chester, PA 19016 www.TransUnion.com/credit-help |
Consumers may further educate themselves regarding identity theft, fraud alerts, credit freezes, and the steps they can take to protect their personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or their state Attorney General. The Federal Trade Commission may be reached at: 600 Pennsylvania Avenue NW, Washington, D.C. 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Consumers can obtain further information on how to file such a complaint by way of the contact information listed above. Consumers have the right to file a police report if they ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, consumers will likely need to provide some proof that they have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and the relevant state Attorney General. This notice has not been delayed by law enforcement.
For District of Columbia residents, the District of Columbia Attorney General can be contacted at 400 6th Street NW, Washington, DC 20001, www.oag.dc.gov, 202-727-3400.
For Iowa residents, the Iowa Attorney General can be contacted at 1305 E. Walnut Street, Des Moines, Iowa 50319, www.iowaattorneygeneral.gov/, 515-281-5926 or 888-777-4590.
For Maryland residents, the Maryland Attorney General can be contacted at 200 St. Paul Place, Baltimore, MD 21202, www.marylandattorneygeneral.gov, 410-576-6300.
For Massachusetts residents, you have the right under Massachusetts law to file and obtain a copy of a police report. You also have the right to request a security freeze, as described above. You may contact and obtain information from your state attorney general at: Office of the Massachusetts Attorney General, One Ashburton Place, Boston, MA 02108, 1-617-727-8400, www.mass.gov/ago/contact-us.html.
For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
For New York residents, the New York Attorney General can be contacted at the Capitol, Albany, NY 12224, www.ag.ny.gov, 800-771-7755.
For North Carolina residents, the North Carolina Attorney General can be contacted at Consumer Protection Division, Mail Service Center 9001, Raleigh, NC 27699, https://ncdoj.gov/, 877-566-7226.
For Oregon residents, the Oregon Attorney General can be contacted at 1162 Court Street NE, Salem, OR 97301, https://www.doj.state.or.us, 503-378-4400.
For Rhode Island residents, the Rhode Island Attorney General can be contacted at 150 South Main Street, Providence, RI 02903, www.riag.ri.gov, 401-274-4400. You have the right to file or obtain a police report regarding this incident. There are approximately 100 Rhode Island residents that may be impacted by this event.