Prosper Marketplace, Inc. Data Breach Notice (Oregon Attorney General)

The breach notice from Prosper Marketplace, Inc. means that personal information belonging to more than 13 million people, including Oregon residents, was exposed on April 29, 2025. The company did not file its notification with the Oregon Department of Justice until December 09, 2025 — an interval of 224 days, or roughly seven and a half months.

Personal information that cannot be replaced

The filing lists personal information as the category exposed in the incident. No passwords, no credentials, and no permanent government identifiers such as Social Security numbers are named in the record. That is genuine good news. Without those fields, the immediate risk of new account fraud or tax-related identity theft is significantly lower than in many other large breaches.

However, the exposed personal information still carries real value to fraudsters. It likely includes names, addresses, dates of birth, email addresses, phone numbers, and account-related details tied to Prosper loans or lines of credit. This combination remains useful for impersonation, targeted phishing, and building profiles that support longer-term identity theft attempts years from now.

What the 224-day gap actually means for you

The record provides only two dates: the incident itself on April 29, 2025 and the filing on December 09, 2025. It is silent on when Prosper discovered the breach or how long any data may have been accessible. Notification timelines vary by the complexity of the investigation and by state requirements, so the gap alone does not prove negligence. It does, however, mean that anyone affected went without official notice for more than seven months after the incident occurred.

Prosper is required to notify affected individuals directly, usually by mail to the last known address. If you have not received a letter, it is likely that your information was not part of the exposed group. Anyone who has moved since April 29, 2025 should contact Prosper directly to confirm whether their records were included.

The lasting value of the exposed data

Even without Social Security numbers, the personal details tied to a lending platform can still be monetized. Fraudsters buy and sell combinations of name, address history, contact information, and loan account numbers on underground markets. These records help attackers answer knowledge-based verification questions, strengthen phishing emails that appear to come from Prosper, or support synthetic identity schemes over time.

Because no passwords were exposed, there is no need to change your Prosper password as a direct result of this incident. The account itself is not at immediate risk of takeover from this breach. The real ongoing concern is how the personal information might be used in combination with data from other sources you cannot control.

How to reduce the practical risk today

You still have meaningful control over how this information can be used against you. The most effective steps focus on monitoring, verification, and limiting how easily the data can be leveraged.

• Place a fraud alert or credit freeze with the three major credit bureaus. Even though the filing does not list Social Security numbers, Prosper customers often have linked banking or credit activity that makes a freeze a low-effort way to block new account fraud.
• Review your Prosper account statements and loan documents for any unfamiliar activity. Look for changes to contact information, new linked accounts, or unexpected inquiries.
• Treat any unsolicited communication claiming to be from Prosper with extreme caution. The exposed personal details make it easier for scammers to create convincing phishing emails, texts, or calls that reference your actual loan information.
• Monitor your credit reports and bank accounts more frequently for the next 12 to 24 months. The value of this data does not expire quickly.
• Consider identity theft protection services that include dark web monitoring for your name, email addresses, and phone numbers associated with the Prosper account. This provides an early warning if the exposed information appears for sale.

The absence of passwords and Social Security numbers in the disclosed categories substantially reduces the severity of this incident compared with many others of similar scale. The 13,076,476 people named in the filing still face an elevated risk of impersonation and phishing, but not the immediate, irreversible compromise that comes with exposed government identifiers. The letter Prosper sent — or its absence — remains the clearest way to know whether your specific records were involved.