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Scams that aren’t illegal (but should be)

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Scams that aren’t illegal (but should be)

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Every year during National Consumer Protection Week, you hear warnings about phishing emails, fake IRS calls and identity theft. Those threats are real, but there is another risk that gets far less attention, and it is completely legal.

Right now, hundreds of companies collect, package and sell personal information, including your home address, phone number, family members, income estimates and even your daily habits. They are not targeting you because you did anything wrong. Instead, they profit simply because your data is valuable.

Unlike traditional scams, this does not happen in the shadows. It happens out in the open, every single day. As a result, most people only realize it is happening after someone uses their personal information against them.

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Data brokers build detailed profiles using information pulled from public records, apps and online activity.  (Kurt “CyberGuy” Knutsson)

Your personal information is a product

Data brokers are companies most people have never heard of, but they know a surprising amount about you. They collect information from public records, online activity, retail purchases, app usage and hundreds of other sources.

Then they build detailed profiles and sell them to advertisers, marketers and anyone else willing to pay. A typical profile may include:

  • Full names, ages and phone numbers
  • Home addresses
  • Names of relatives and household members
  • Estimated income, home value and net worth
  • Shopping habits and interests
  • Political, health and lifestyle indicators

This information often appears on people-search sites, where anyone can look you up in seconds. Scammers use these same databases to find and target victims. But even legitimate companies use them in ways most consumers never knowingly agreed to.

People-search sites expose more data than you realize

Search your own name online, and you may find pages listing your address, relatives’ names and contact details. These sites present themselves as “background check tools” or “public records directories.” But their business model depends on making personal information easy to find.

  • That creates real-world risks. Criminals use these sites to:
  • Impersonate banks, government agencies, or delivery services
  • Convince victims they already “know” them
  • Locate elderly or vulnerable individuals
  • Target family members using shared address history.

Even strangers can learn where you live, who your relatives are and how to contact you. No hacking required.

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People-search websites make your address, phone number and even family connections easy to find in seconds.  (Serene Lee/SOPA Images/LightRocket via Getty Images)

Your browsing history is being tracked and sold

Many websites and apps track what you click, read and buy. Incogni’s research found that popular apps like TikTok, Alibaba, Temu and Shein collect numerous personally identifiable data points and share them with third parties, like advertising networks and data brokers.

Even web extensions track what you do online. Popular Chrome extensions like the AI-powered Grammarly or Quillbotinvade your privacy, require extensive permissions and collect sensitive data.

Over time, this data collection builds a behavioral profile. It can reveal:

  • Financial stress or debt concerns
  • Health interests or medical conditions
  • Major life events like moving, retirement, or the loss of a spouse
  • Online purchases and brand preferences.

This is why you may suddenly receive highly specific emails, calls, or ads that feel uncomfortably personal. Someone already knew what to say.

AI is accelerating data collection

AI makes personal data more valuable and easier to collect than ever before. These systems scrape public websites, social media profiles, images and videos to pull identifying details. They also connect scattered pieces of information into a single, detailed identity profile, which can include:

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  • Photos connected to your name
  • Voice recordings from public videos
  • Employment history
  • Locations you’ve lived at or visited.

Once collected, this information can circulate indefinitely. You can delete a social media post, but copies of that data may already exist elsewhere.

5 SIMPLE TECH TIPS TO IMPROVE DIGITAL PRIVACY

The more accessible your personal data is, the easier it becomes for scammers to target you with convincing, personalized attacks.  (Kurt “CyberGuy” Knutsson)

Most AI companies collect data by default, unless you opt out

Are you using ChatGPT, Gemini, or even LinkedIn? Then your data is automatically collected from your chatbot conversations, posts, and more. They collect user interactions like prompts, voice recordings, uploaded photos and behavioral data to improve the AI system.

In some cases, you have to manually disable this in settings, but it’s buried in countless opt-out guides or obscure labels. For example, to opt out of LinkedIn data collection, you need to:

  • Go to Settings and find the Privacy tab.
  • Find the toggle named ‘Data for Generative AI Improvement.’ 
  • Review other default data sharing options.
  • Disable everything from personal demographic information to social, economic and workplace research.

AI-powered apps and services continuously switch it up and make it harder for you to opt out. Why? Your data is fueling their business model. The more data points they have, the better they can train their AI and the more money they make.

Why this matters for your safety, not just your privacy

Most people think data collection is just about targeted ads. But the same information can be used to make scams far more convincing. Instead of sending generic phishing emails, scammers can reference your real address or recent activities.

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For example: “Hi, Mr. Smith, this is your bank. We noticed unusual activity on your bank account, ending in 0123. Please confirm your information.”

Because the details are accurate, the message feels legitimate. This dramatically increases the chances someone will respond. In many cases, the information came from data broker databases that were legally purchased or accessed.

Consumer protection starts with reducing your digital footprint

National Consumer Protection Week is meant to empower people to protect themselves. That protection shouldn’t stop at obvious scams. It should include limiting how easily your personal information can be found in the first place.

A data removal service helps remove your personal data from data brokers and people-search sites that collect and sell it. Instead of submitting dozens or hundreds of manual requests yourself, they automate the process and continue removing your data as it reappears.

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.

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

Kurt’s key takeaways

When most people think about scams, they imagine criminals hiding in the shadows. But some of the biggest threats to your personal information are operating out in the open. Data brokers legally collect and sell detailed profiles about you. People-search sites make your address, phone number and even relatives easy to find in seconds. Your browsing activity is tracked, packaged and monetized. And now AI is speeding up how quickly that information can be gathered, connected and reused. This is not just about annoying ads. The more accessible your personal data is, the easier it becomes for scammers to sound convincing and target you with precision. Real consumer protection is not only about avoiding suspicious links. It is about limiting where your information lives and who can access it. The less strangers know about you, the harder it is to use your own data against you.

Have you ever searched for your name online and been surprised by what you found? Let us know by writing to us at Cyberguy.com.

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Technology

Lucid’s bankruptcy rumor is a bad sign for the EV future

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Lucid’s bankruptcy rumor is a bad sign for the EV future

Lucid Motors found itself in a tough bind this week, fending off bankruptcy rumors and watching its stock price plunge as a result. The company quickly denied the report, calling it “completely false” and pointing to its available free cash flow as evidence that it has enough runway to operate into next year.

But despite the swift response, the damage was widespread. The panic immediately bled into competing automakers, pulling down shares of Rivian and Polestar as investors speculated about the long-term survival of EV-only companies in the face of slowing consumer demand and whiplash policy shifts. And it cast a harsh light on the precarity of all three companies and the future of electric vehicles.

The trouble started on Tuesday, when EV trade publication EV reported that restructuring firm AlixPartners had advised Lucid’s board to consider Chapter 11 bankruptcy or a take-private deal. The report also said AlixPartners had encouraged the board to further restructure in the US and Europe and to focus on the Gravity SUV. But while the rest of the media has since reported on Lucid’s denial, no other publication has confirmed EV’s scoop. (For what its worth, EV’s URL is “eletric-vehicle.com,” enshrining the incorrect spelling in its address.)

Lucid confirmed that it had hired AlixPartners, but denied that the firm had made any such recommendations to its board. Instead, AlixPartners would provide advice on “improving execution, strengthening operations and positioning Lucid to realize the full potential of its technology, products and innovation,” Lucid chief communications officer Nick Twork said.

Lucid went a step further, filing a cease and desist order against EV

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Lucid went a step further, filing a cease and desist order against EV, claiming that the site’s report directly led to the stock crash. “In short, your actions caused serious injury to a number of investors,” Lucid’s chief legal officer and general counsel, Brian Tomkiel, said in the letter. “And they injured, and continue to injure, Lucid directly.”

Still, the timing was terrible. Lucid is genuinely not in good shape, having lost over $1 billion in the first quarter of the year. The company has also gone through two rounds of layoffs in 2026, having cut 12 percent of staff in February and then 18 percent in June. The company also reduced production at its factory in Arizona in a bid to counteract its high inventory and save money. And there’s been leadership turmoil, with COO Marc Winterhoff departing the company and his position being eliminated entirely in an effort to flatten the structure.

The report sent the stock into freefall, plummeting as much as 50 percent in one of the worst single-day drops in Lucid’s history. And with Polestar and Rivian also catching strays, it’s generally been a glum time for companies not named Tesla trying make a go of exclusively building electric vehicles. Wall Street is panicking because the rumors are aligning with the bad news coming out of these companies’ earnings reports. EV sales are stabilizing, but recovery is still a distant promise. The all-electric future seems further away than ever.

Whether or not Lucid is actually weighing Chapter 11, it’s a sure sign of more turbulent waters ahead. Polestar getting strong-armed out of the US over its Chinese ties has left a lot of EV owners and dealers scratching their heads. Rivian is in an increasingly precarious position thanks to its huge, expensive bet on becoming a mass-market car company with the production of the R2.

All of these companies are increasingly reliant on big stakeholders — Lucid with Saudi Arabia’s Public Investment Fund, Polestar with Geely, and Rivian with Volkswagen — for their future survival. If any of these big backers get cold feet, the future could get really dark really fast.

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Insurance breach exposes 7M driver’s licenses

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Insurance breach exposes 7M driver’s licenses

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AssuranceAmerica, an auto insurance provider that works through a network of independent agents, has disclosed a data breach affecting nearly 7 million people. The exposed information includes driver’s license numbers and other personal details tied to auto insurance customers.

The company said it detected suspicious activity on March 17, 2026, after malicious activity targeted one of its employees one day earlier. Investigators later found that an unauthorized third party accessed parts of AssuranceAmerica’s IT environment and copied certain data files.

According to an Indiana Attorney General breach listing, the incident affected 6,998,886 people. A California Attorney General notice also says AssuranceAmerica began notifying affected individuals after completing its file review on June 15, 2026.

AssuranceAmerica sells auto, renters and commercial auto insurance through independent agents. So even if the company name does not sound familiar, your information could still be involved if your policy, quote, claim or driver details passed through its systems.

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ADT DATA BREACH EXPOSES CUSTOMER INFORMATION

AssuranceAmerica says a March cyberattack exposed personal information tied to nearly 7 million people, including driver’s license numbers and insurance data. (Felix Zahn/Photothek via Getty Images)

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What happened in the AssuranceAmerica data breach

AssuranceAmerica said the breach started with malicious activity that targeted one employee. The company did not explain exactly how the employee was targeted. However, it said it later disabled compromised credentials and unauthorized sessions.

That detail should get your attention. Many breaches start with one stolen login, one convincing message or one infected device. Once attackers get inside, they can move quickly and look for files worth stealing.

In this case, AssuranceAmerica said an unauthorized third party copied certain data files from its IT environment. The company then reviewed those files to identify affected individuals.

What information was exposed in the AssuranceAmerica breach

AssuranceAmerica said the stolen files contained names plus one or more other types of personal information. That information may include contact details, auto insurance policy or account information, driver or vehicle information, claims-related information and driver’s license numbers. The California notice also says some files may have included Tax ID information and/or Social Security numbers.

That mix can create real risk. A scammer with your name, license number and insurance details may sound much more convincing. They could pretend to be from your insurer, a repair shop, a claims department or a state agency. This follows other identity-document breaches, including the Texas data breach that hit 3 million license customers. Once driver’s license numbers leak, the risk can last much longer than a stolen credit card number.

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How AssuranceAmerica responded to the breach

AssuranceAmerica said it took affected server devices offline and hired external forensic specialists to investigate. The company also said it reset passwords, deployed enhanced monitoring and threat detection tools and gave employees more cybersecurity instruction. It also notified law enforcement.

AssuranceAmerica is offering 12 months of complimentary credit monitoring for affected individuals. That can help spot some suspicious activity. However, you still need to watch your insurance account, financial accounts and mail.

Why the AssuranceAmerica breach puts drivers at risk

A driver’s license number can help an imposter build a more believable scam. Insurance information can make that scam feel personal.

For example, a caller may mention your policy, your vehicle or a claim. Then they may ask you to “verify” more information. That is where the damage can grow.

Also, stolen breach data can be matched with public records and data broker profiles. That can give criminals a fuller picture of your life. We have seen the same pattern in scams tied to travel accounts, phone accounts and other breaches, including the Booking.com breach that exposed traveler data to scams.

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BEFORE YOU CONNECT ANOTHER SMART TV, TABLET OR PHONE, LOCK IT DOWN

State officials say the breach involved Medicaid, Medicare Savings Program and rehabilitation services records spanning multiple years. (Photo by Silas Stein/picture alliance via Getty Images)

Ways to stay safe after the AssuranceAmerica data breach

If you receive a notice or think your information may be involved, take these steps now to make the stolen data harder to use.

1) Read the breach notice closely

If you receive a notice from AssuranceAmerica, read it carefully. Check what information the company says may have been exposed in your case. Do not assume every affected person had the same data stolen. Some people may have had driver’s license numbers exposed. Others may also have had Tax ID information or Social Security numbers involved.

2) Use the credit monitoring offer safely

AssuranceAmerica says it is offering 12 months of complimentary credit monitoring. Use the instructions in the official notice. Be careful with emails or texts that claim to offer enrollment links. Scammers often copy real breach language to trick you.

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3) Freeze your credit

A credit freeze makes it harder for someone to open a new account in your name. You need to place a freeze separately with Equifax, Experian and TransUnion. It is free, and you can lift it when you need to apply for credit.

4) Add a fraud alert

A fraud alert tells lenders to take extra steps before opening credit in your name. You can place a fraud alert with one credit bureau, and that bureau should notify the others. This adds another layer of protection if your personal information was exposed.

5) Watch your insurance account

Log in to your insurance account and check for changes you do not recognize. Look for unfamiliar claims, new contact details or strange policy updates. If something looks wrong, call the company using a number from your policy documents.

6) Protect your devices from malware

Credential theft often starts with malware, a bad link or a fake download. Strong antivirus software can help block malicious files and phishing links before they cause damage. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com

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Strong passwords protect your accounts, but they do not stop data brokers from collecting public records and selling personal information to people-search sites. (Photographer: Chris Ratcliffe/Bloomberg via Getty Images)

7) Clean up your online personal data

Breached data becomes more useful when scammers can match it with your address, relatives, phone number or public records. A data removal service can help reduce what data brokers display about you. That will not undo a breach, but it can make you a harder target. 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.

8) Be suspicious of insurance-related calls

If someone calls about your policy, claim or payment, slow down. Do not share verification codes. Do not confirm sensitive details during an unexpected call. Instead, hang up and call the company back through an official number.

9) Check your DMV options

If your driver’s license number was exposed, review your state DMV’s fraud guidance. Some states may offer replacement options or identity theft guidance. The rules vary, so check directly with your state agency.

10) Use a password manager

Create strong, unique passwords for your insurance account, email and financial apps. A password manager can also help you spot fake login pages. If it will not autofill, you may be on a scam site. Check out the best expert-reviewed password managers of 2026 at CyberGuy.com.

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11) Turn on two-factor authentication

Turn on two-factor authentication (2FA) for your insurance account, email and financial accounts when available. Use an authenticator app when you can. Text codes are better than nothing, but scammers often target them.

Kurt’s key takeaways

The AssuranceAmerica data breach is a reminder that your driver’s license number has become a high-value target. You may not be able to control how every company stores your information. However, you can make stolen data harder to use. Start with your credit. Then check your insurance account and watch for imposters who know just enough to sound convincing. Also, clean up the personal data already floating around online. The bigger issue is trust. Companies ask for sensitive information because they need it to do business. When that information leaks, you are the one left checking statements, freezing credit and worrying about what comes next.

What should a company owe you when it loses the ID number you use to prove who you are? Let us know by writing to us at CyberGuy.com.

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Google and Epic give up fighting — third-party Android app stores are coming next week

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Google and Epic give up fighting — third-party Android app stores are coming next week

Epic Games and Google have just jointly withdrawn their attempt to retroactively settle the lawsuit that’s changing how Android app stores work in the United States — and that means Google will be forced to carry rival app stores inside of its own. In fact, Google tells the court, it’s ready to begin carrying third-party app stores on Wednesday, July 22nd. Does that mean it’s time for Microsoft to launch an Xbox game store on Android?

But Judge James Donato was skeptical he should abandon his original permanent injunction in favor of Google’s proposed “Registered App Stores” that users would have to sideload — instead of simply downloading third-party stores directly through Google Play. On Thursday, July 16th, both parties were set to appear in court to argue it again, but that may no longer be necessary.

Here’s is Google’s full statement on withdrawing its proposed modifications to Judge Donato’s permanent injunction, via Google spokesperson Dan Jackson:

We’ve agreed with Epic to withdraw our motion to modify the US Court’s injunction rather than prolonging this process which creates uncertainty for the ecosystem. This allows us to focus on executing our recently announced global business model evolution to deliver greater app store choice, lower prices, and more opportunities for developers and users. We remain committed to maintaining Android’s industry-leading security and fostering a competitive ecosystem where every app store and developer has the freedom to compete. In parallel, we continue to comply with the US Court’s injunction.”

Google had previously announced that it would launch its sideloaded Registered App Store program in the rest of the world, beginning with the new version of Android later this year. That means there may be two different tracks for Android: stores-within-a-store in the United States, and Registered App Stores everywhere else.

It’s not yet clear if there will be a parallel “program” for third-party app stores inside of the Google Play Store, or if companies will simply submit them the way they’d submit any other app. Technically, the court’s permanent injunction states that Google “may not prohibit the distribution of third-party Android app distribution platforms or stores through the Google Play Store,” not that it has to proactively invite them in.

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For access to the Google Play catalog of apps, Google will charge stores an annual fee of $5,000 for “security and policy reviews,” and it has many additional requirements, including: stores can’t distribute apps outside of the US, have to be open to all eligible third-party developers, have “clear, non-discriminatory” trust and safety policies, and no more than 1 percent of “install attempts” can be malware.

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