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Massive data breach exposes over 3 million Americans' personal information to cybercriminals

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Massive data breach exposes over 3 million Americans' personal information to cybercriminals

A debt collection enterprise called Financial Business and Consumer Solutions (FBCS) has been impacted by a massive data breach that affects millions of Americans. FBCS is a debt collection agency that specializes in recovering charged-off consumer and commercial debts, such as car loans, health care bills, utility bills, student loans and credit cards.

The initial tally of those affected was around 1.9 million, which the company raised to 3 million in June 2024. The data breach leaked a treasure trove of consumer data, including full name, Social Security number (SSN), date of birth, and driver’s license number or ID card. The company has informed affected individuals as well as concerned authorities.

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What happened?

According to a data breach notification sample the firm shared with the authorities, threat actors accessed FBCS’ systems on Valentine’s Day, but the company didn’t realize the breach had occurred until Feb. 26. FBCS describes the incident as “unauthorized access to certain systems in its network.”

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What’s concerning is that FBCS didn’t send the notification of the data breach until late April. “This notification was not delayed as a result of a law enforcement investigation,” the company says, maintaining it was conducting its own probe while notifying federal authorities.

The notification indicates that leaked information could include a variety of personal details, such as names, addresses, dates of birth, Social Security numbers, driver’s licenses, state IDs, medical claim information, and even medical records. However, FBCS clarifies that not everyone affected will have all of this data exposed.

Customer service rep (FBCS) 

PHARMA GIANT’S DATA BREACH EXPOSES PATIENTS’ SENSITIVE INFORMATION

What is FBCS doing about the data breach?

FBCS is taking several steps to make things right. “Upon discovering this incident, we immediately took steps to conduct a diligent investigation to confirm the nature and scope of the incident. As part of FBCS’s ongoing commitment to the security of information on our platform, we also implemented additional safeguards in a newly built environment,” the company said in the notification.

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The company is also providing affected individuals a free 24-month credit monitoring and identity restoration service. This data breach may make you more susceptible to phishing, identity theft, and other social engineering attacks. To protect yourself, be careful about what information you share and closely monitor your bank account activity for any suspicious transactions.

We reached out to FBCS for a comment on this article but did not hear back by our deadline.

A woman working on her laptop (Kurt “CyberGuy” Knutsson)

MASSIVE FREE VPN DATA BREACH EXPOSES 360 MILLION RECORD

6 measures to take to protect yourself from a data breach

If you’ve been impacted by this data breach, follow these steps to protect your personal data and privacy.

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1) Invest in identity theft protection: If you think your personal data has been leaked, scammers may try to impersonate you to gain access to your private information. The best thing you can do to protect yourself from this type of fraud is to subscribe to an identity theft service. If you’re eligible, take the free CyEx subscription FBCS is offering.

Identity theft companies can monitor personal information like your Social Security number (SSN), phone number and email address and alert you if it is being sold on the dark web or being used to open an account.  They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. See my tips and best picks on how to protect yourself from identity theft.

2) Place a fraud alert: If you suspect you are a victim, contact the three major credit reporting agencies (Equifax, Experian or TransUnion) and request a fraud alert to be placed on your credit file. This will make it more difficult for identity thieves to open new accounts in your name without verification.

3) Be cautious of phishing attempts: Be vigilant about emails, phone calls or messages from unknown sources asking for personal information. Avoid clicking on suspicious links or providing sensitive details unless you can verify the legitimacy of the request.

The best way to protect yourself from clicking malicious links that install malware that may get access to your private information is to have antivirus protection installed on all your devices. This can also alert you of any phishing emails or ransomware scams. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android & iOS devices.

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4) Check Social Security benefits: It is crucial to periodically check your Social Security benefits to ensure they have not been tampered with or altered in any way, safeguarding your financial security and preventing potential fraud.

5) Invest in personal data removal services: While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Remove your personal data from the internet with my top picks here.

6) Change your password: You can render a stolen password useless to thieves simply by changing it. Opt for a strong password – one you don’t use elsewhere. Even better, consider letting a password manager generate one for you.

TICKETMASTER DATA BREACH EXPOSES 560 MILLION CUSTOMERS’ DATA SAYS IT GROUP

Kurt’s key takeaway

Data breaches and cyberattacks in the U.S. are on the rise. Companies are responsible for protecting customer data, and the least they can do is inform impacted individuals promptly when a cyberattack occurs. FBCS delayed the notification, which might have given attackers time to target unprepared individuals. If you think your data has been compromised, it’s best to take a proactive approach. Start by changing your passwords and monitoring your bank accounts for unknown transactions.

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Do you trust companies to safeguard your personal data? Why or why not?  Let us know by writing us at Cyberguy.com/Contact

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Copyright 2024 CyberGuy.com. All rights reserved.

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Surprise, surprise: Silksong wins Steam’s Game of the Year

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Surprise, surprise: Silksong wins Steam’s Game of the Year

Valve has announced the winners of the 2025 Steam Awards and, unsurprisingly, Hollow Knight: Silksong, took home the Game of the Year honors. It was also given the “Best Game You Suck At” award, which, I’m not sure if that’s a good thing or not. Given the relentless fawning over Silksong since its release in September, an event that nearly brought the entire digital video game distribution system to its knees, that it would win Game of the Year felt like something of a forgone conclusion.

The Best Game on Steam Deck was awarded to Hades II (an award we’d already unofficially granted it). The mechanics of Hades lend it to being played in short bursts, and the stylized graphics scale down well. Silent Hill f won the Outstanding Visual Style award and, while there’s no denying it’s a gorgeous title, I can’t help but feel like Dream BBQ, with its uniquely hallucinatory visuals, got robbed. Check out the full list of winners and nominees here at the Steam Awards 2025 landing page.

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University of Phoenix data breach hits 3.5M people

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University of Phoenix data breach hits 3.5M people

NEWYou can now listen to Fox News articles!

The University of Phoenix has confirmed a major data breach affecting nearly 3.5 million people. The incident traces back to August when attackers accessed the university’s network and quietly stole sensitive information.

The school detected the intrusion on Nov. 21. That discovery came after the attackers listed the university on a public leak site. In early December, the university disclosed the incident, and its parent company filed an 8-K with regulators.

The scope is large. Notification letters filed with Maine’s Attorney General show 3,489,274 individuals were affected. Those affected include current and former students, faculty, staff and suppliers.

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DATA BREACH EXPOSES 400,000 BANK CUSTOMERS’ INFO

The University of Phoenix data breach exposed sensitive personal and financial information tied to nearly 3.5 million people. (Kurt “CyberGuy” Knutsson)

What happened and how attackers got in

According to the university, hackers exploited a zero-day vulnerability in Oracle E-Business Suite. This application handles financial operations and contains highly sensitive data.

Based on the technical details shared so far, security researchers believe the attack aligns with tactics used by the Clop ransomware gang. Clop has a long track record of stealing data through zero-day flaws rather than encrypting systems.

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The vulnerability tied to this campaign is tracked as CVE-2025-61882. Investigators say it has been abused since early August.

What data was exposed

The university says the attackers accessed highly sensitive personal and financial information. That includes:

  • Full names
  • Contact information
  • Dates of birth
  • Social security numbers
  • Bank account numbers
  • Routing numbers

This type of data creates a serious risk. It can fuel identity theft, financial fraud and targeted phishing scams.

700CREDIT DATA BREACH EXPOSES SSNS OF 5.8M CONSUMERS

Stolen University of Phoenix records could be used by criminals to launch targeted phishing and identity theft attacks.  (Kurt “CyberGuy” Knutsson)

Nearly 3.5 million people affected

In letters sent to affected individuals, the university confirmed the breach affects 3,489,274 people. If you are a current or former student or employee, watch your mail closely.

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These notifications often arrive by postal mail, not email. The letter explains what data was exposed and includes instructions for protective services.

We reached out to the University of Phoenix for comment, and a rep provided CyberGuy with the following statement: 

“We recently experienced a cybersecurity incident involving the Oracle E-Business Suite software platform. Upon detecting the incident on November 21, 2025, we promptly took steps to investigate and respond with the assistance of leading third-party cybersecurity firms. We are reviewing the impacted data and will provide the required notifications to affected individuals and regulatory entities.”

Free identity protection is now available

The University of Phoenix is offering affected individuals free identity protection services. These include:

  • 12 months of credit monitoring
  • Identity theft recovery assistance
  • Dark web monitoring
  • A $1 million fraud reimbursement policy

To enroll, you must use the redemption code provided in the notification letter. Without that code, you cannot activate the service.

This attack fits a larger Clop campaign

The University of Phoenix breach is not an isolated case. Clop has used similar tactics in past campaigns involving GoAnywhere MFT, Accellion FTA, MOVEit Transfer, Cleo and Gladinet CentreStack.

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Other universities have also reported Oracle EBS-related incidents. These include Harvard University and the University of Pennsylvania.

The U.S. government is taking notice. The U.S. Department of State is now offering a reward of up to $10 million for information linking Clop’s attacks to a foreign government.

Why colleges are prime targets

Universities store massive amounts of personal data. Student records, financial aid files, payroll systems and donor databases all live under one roof.

Like healthcare organizations, colleges present a high-value target. A single breach can expose years of data tied to millions of people.

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Affected University of Phoenix students and staff should act quickly to monitor accounts and protect their identities. (Kurt “CyberGuy” Knutsson)

Steps to stay safe right now

If you believe you may be affected, act quickly. These steps can reduce your risk.

1) Watch for your breach notification letter

Read it carefully. It explains what data was exposed and how to enroll in protection services.

2) Enroll in the free identity protection

First, use the redemption code provided. Because Social Security and banking data are involved, credit monitoring and recovery services matter. Even if you do not qualify for the free service, an identity theft protection service is still a smart move.

In addition, these services actively monitor sensitive details like your Social Security number, phone number and email address. If your information appears on the dark web or if someone tries to open a new account, you receive an alert right away. As a result, many services also help you quickly freeze bank and credit card accounts to limit further fraud.

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See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com

3) Use a data removal service

Because this breach exposed names, contact details and other identifiers, reducing what is publicly available about you matters. A data removal service can help remove your personal information from data broker sites, which lowers the risk of targeted phishing or fraud tied to the stolen University of Phoenix records.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com

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4) Monitor financial accounts daily

Check bank statements and credit card activity for unfamiliar charges. Report anything suspicious immediately.

5) Consider freezing your credit

A credit freeze can stop criminals from opening new accounts in your name. It is free and reversible. To learn more about how to do this, go to Cyberguy.com and search “How to freeze your credit.” 

6) Be alert for phishing attempts and use strong antivirus software 

Expect more scam emails and phone calls. Criminals may reference the breach to sound legitimate.

The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com

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7) Secure your devices

Keep your operating systems and apps up to date, as attackers often exploit outdated software to gain access. In addition, enable automatic updates and review app permissions to prevent stolen personal data from being combined with device-level access and causing further harm.

Kurt’s key takeaways

The University of Phoenix data breach highlights a growing problem in higher education. When attackers exploit trusted enterprise software, the fallout spreads fast and wide. While free identity protection helps, long-term vigilance matters most. Staying alert can limit damage long after the headlines fade.

If universities cannot protect this level of sensitive data, should students demand stronger cybersecurity standards before enrolling? Let us know by writing to us at Cyberguy.com

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Copyright 2025 CyberGuy.com.  All rights reserved.

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LG announces new UltraGear evo gaming monitors with AI upscaling

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LG announces new UltraGear evo gaming monitors with AI upscaling

LG unveiled a whole new line of gaming monitors ahead of CES on Friday. The UltraGear evo line are all high-end monitors covering a range of technologies, but united by 5K resolution and AI upscaling.

The three flagships under the new branding are the 39GX950B, the 27GM950B, and the 52G930B. The first number in the model name indicates the size. The rest of the letters and numbers, well, I’m sure they mean something to someone.

The 39-inch GX9 is an ultrawide 21:9 5K2K dual-mode OLED screen. It can run at its full resolution at 165Hz, or jump to 330Hz for fast-twitch games at WFHD. The 27-inch GM9 uses “New” MiniLEDs, which promise to deliver brighter images compared to OLED, without the blooming often associated with MiniLEDs. Lastly, the 52-inch G9 is an absolutely massive curved display that delivers a 12:9 panoramic view at 240Hz in its native 5K2K resolution.

The GM9 model is particularly interesting since LG makes the panels for Apple’s Pro Display XDR, and word is that the monitor is finally getting a long-overdue update in the near future.

All three monitors will be on display at CES next month, but there’s no word on pricing or availability just yet.

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