Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
While there hasn't been a single massive " Title Office '' breach in North Carolina recently, the XXXX system has faced incidents, including a XXXX breach involving improperly discarded physical documents with personal data ( names, DOB, SSNs, insurance info ) from a DMV office , and past issues with a vendor printing flawed licenses ; so, yes, physical offices and data handling have been involved in security concerns, requiring vigilance with your personal information, even for titles or renewals. 
Key Incidents & Concerns : XXXX Document Breach : A significant breach involved internal documents with personal data ( SSNs, DOBs, addresses ) found in regular trash at a DMV office, leading to notifications for affected residents.

Vendor-Related Flaws ( XXXX ) : A data flaw from the printing vendor XXXX resulted XXXX some incorrect driver 's licenses, prompting investigations and reprinting. 
Data Selling : The XXXX legally sells some personal data ( like addresses, car info ) to companies under specific exceptions in the Driver 's Privacy Protection Act, a practice that raised concerns in XXXX. 
What to Do : Monitor Accounts : Keep an eye on financial and credit reports for suspicious activity. 
Be Cautious : Be mindful of what information you share, even at official offices. 
Check for Alerts : Sign up for transaction alerts if possible. 
Even if a specific " title office '' wasn't named in the largest breach, these events highlight risks, so treat all your interactions and documents with the DMV carefully. When a driver 's license number is exposed in a data breach, the primary concern is identity theft, which requires immediate steps to protect your personal and financial information. This is separate from the process of official license restoration after a suspension.

If Your Driver 's License Data is Breached If your driver 's license number or a scan of your license is compromised in a data breach, take the following steps to mitigate the risk of identity theft : Contact the DMV : Immediately report the breach to your state 's motor vehicle agency. They may flag your license number or suggest you apply for a duplicate or new license number to prevent misuse. You can find your local office using the USA.gov state motor vehicle services link.

Monitor Credit Reports : Check your credit reports frequently for any unauthorized accounts or inquiries. You are entitled to a free copy annually from each of the three major bureaus at XXXX. 
Place Fraud Alerts or Freezes : Fraud Alert : Request a fraud alert with XXXX of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX  ). That bureau is required to notify the other two. This makes it harder for a thief to open new accounts in your name.

Credit Freeze : Consider freezing your credit reports at all three major bureaus. This prevents new creditors from accessing your reports to open new lines of credit, which is an effective defense against identity theft. 
Report Identity Theft : File a report online at XXXX for a personalized recovery plan. This creates an official record that can be helpful when dealing with businesses or law enforcement.

Monitor Financial Accounts : Contact your bank and other financial institutions to place fraud alerts on your accounts and request new account numbers, if necessary. Regularly review transactions for suspicious activity. 
Driver 's License Restoration License restoration is a separate legal process to regain your driving privileges after a suspension or revocation, often due to unpaid fines, fees, or other court issues. 
Identify the Cause : Contact your local DMV office or check your online DMV account to determine the exact reason for the suspension.

Pay Fees : You will likely need to pay specific restoration and/or reinstatement fees to the DMV. In North Carolina, for example, fees can be paid via XXXX or in person at an XXXX office. 
Address Court Issues : If the suspension is due to unpaid traffic tickets or failure to appear in court, you may need to work with the court system to resolve these issues. Programs and self-help resources are often available to help request relief from fines.

Follow State Procedures : Once all requirements are met and fees paid, you can apply for a new license, which may involve additional testing ( vision, written, or road tests ) depending on how long your license was invalid. 
Reverse Mortgages The term " reverse mortgage '' is a financial product not directly related to driver 's license data breaches or license restoration. A reverse mortgage is a loan available to homeowners, usually 62 years of age or older, allowing them to convert part of their home 's equity into cash with no monthly mortgage payments required as long as they live in the home as their primary residence and meet other loan obligations. This topic does not intertwine with the other issues mentioned. Recently reported an XXXX XXXX data breach compromise with a stolen log in credentials. My account was in a reverse mortgage data breach bankruptcy cyber liability claim from settlement administrator. I have a account update with forfeiture of disclosures. My account was held for ransom with a ransomware attack on my firewalls insurance policy. I have a data breach inquiry dark web breach with my compromised account but the credit bureau information was stolen. I want to file a account liability claim for documented license theft of my business account.

Company response to consumer: Untimely response