TOO LITTLE, TOO LATE — Why Free Credit Monitoring Won’t Cut It After the TransUnion Breach
Free credit monitoring isn’t enough
R23 Law’s California Consumer Protection Attorneys fight for statutory damages under the CCPA—up to $750 per violation—for victims of the TransUnion data breach.
The Real Cost of a Data Breach Isn’t Just Credit Monitoring
Following the 2025 TransUnion data breach, millions of Californians were offered a familiar consolation prize: free credit monitoring. But when your personal data has been exposed—your identity potentially compromised for years to come—this response is far from adequate.
The California Consumer Privacy Act (CCPA) offers something far more powerful: statutory damages.
Under the CCPA, victims of certain data breaches can recover $100 to $750 per consumer, per incident—without having to prove direct financial loss.
What Makes Statutory Damages So Critical
Statutory damages under the CCPA are designed to level the playing field. They allow consumers to:
Skip the burden of proving financial injury
Seek compensation when their nonencrypted personal data is exposed
Hold companies accountable for security failures, not just the resulting harm
As noted in the original source document, victims don’t have to wait for identity theft to destroy their credit or finances to act—they can pursue compensation now, simply for having been placed at risk due to a company’s negligence.
Why the TransUnion Breach Triggers the CCPA
The CCPA is triggered when:
A company fails to implement reasonable security procedures
That failure leads to the exposure of nonencrypted personal data
TransUnion’s breach checks both boxes. The exposed data—while not explicitly detailed—likely includes high-value personal identifiers such as names, Social Security numbers, and financial history. These categories of information qualify for statutory damages under the CCPA if not properly secured.
R23 Law: Aggressively Pursuing Damages for Every Eligible Consumer
At R23 Law, our California Consumer Protection Attorneys are focused on one thing: maximizing recovery for our clients. We don’t settle for surface-level remedies like credit monitoring or vague corporate apologies.
We take legal action to:
Document violations and establish CCPA triggers
Pursue statutory damages—$100 to $750 per incident
Ensure companies like TransUnion are held fully accountable for lapses in data security
This isn’t just about one breach—it’s about setting a precedent that Californians’ data cannot be treated carelessly without consequence.
What to Do If You Were Affected
If you received notice that your personal data was part of the TransUnion breach, don’t assume credit monitoring is your only option. You may be eligible for financial compensation under California law, and R23 Law is ready to help you get it.
We offer:
Free consultations
No fees unless we recover for you
A proven track record in consumer privacy litigation
Final Word: Compensation Is Not a Gift—It’s a Right
Credit monitoring is damage control. Statutory damages are accountability. And under the CCPA, you have a right to pursue that accountability without waiting for your life to be turned upside down by identity theft.
R23 Law’s California Consumer Protection Attorneys are here to make sure you get every dollar you’re entitled to—and to remind negligent corporations that California takes privacy seriously.
