Kaaj Technologies Data Breach Notification
Summary
Kaaj Technologies Inc. is notifying Massachusetts residents of a data breach impacting personal information, including full name and [Extra1]. The company is offering complimentary 24-month identity protection services through Experian IdentityWorks and identity restoration support.
What changed
Kaaj Technologies Inc., a provider of a credit analysis platform, has issued a data breach notification to affected individuals in Massachusetts. The incident potentially impacted personal information such as full name and [Extra1]. Due to Massachusetts law requirements, specific details about the nature of the event are not provided in the letter, but additional information can be obtained by calling a dedicated assistance line.
Regulated entities must be aware of their obligations under state data breach notification laws. Kaaj is offering affected consumers complimentary 24-month memberships to Experian IdentityWorks for identity monitoring and protection, along with identity restoration support. Consumers are encouraged to enroll by June 30, 2026, and contact Experian with any questions or concerns regarding fraud or identity theft resulting from the incident.
What to do next
- Review data breach notification procedures for compliance with Massachusetts law.
- Ensure timely notification to affected individuals in case of a data breach.
- Evaluate the adequacy of offered identity protection services in response to breaches.
Source document (simplified)
EXHIBIT A
Return Mail Processing PO Box 999 Suwanee, GA 30024
1 1 23 ***********************************SNGLP SAMPLE A. SAMPLE - L05 APT ABC 123 ANY ST ANYTOWN, US 12345-6789 TDADTAATDDFAAFDTTATFAADATDAAATATDTFDADAFTATDFDDATFTFDATFTDDDTDDAT March 26, 2026 Dear Sample A. Sample: Kaaj Technologies Inc. (“Kaaj”) which provides a credit analysis platform to assist its customers, including [Extra2], writes to share information regarding a recent incident that may impact some of your information. We are providing you with an overview of the incident, our response, and resources to help further protect your information, should you feel it necessary to do so. Kaaj determined that the information related to you which was potentially impacted by this event includes your full name and [Extra1]. Due to the requirements of Massachusetts law, we are not able to provide further details about the nature of the event in this letter. However, you may obtain additional information by calling the dedicated assistance line number included below. We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account statements and monitoring your free credit reports for suspicious activity and to detect errors. Please also review the enclosed Steps You Can Take to Further Protect Your Information, which includes additional information on what you can do to protect your information against misuse, should you feel it necessary to do so. To help protect your identity, we are offering complimentary access to Experian IdentityWorks for 24 months. SM If you believe there was fraudulent use of your information as a result of this incident and would like to discuss how you may be able to resolve those issues, please reach out to an Experian agent. If, after discussing your situation with an agent, it is determined that identity restoration support is needed then an Experian Identity Restoration agent is available to work with you to investigate and resolve each incident of fraud that occurred from the date of the incident (including, as appropriate, helping you with contacting credit grantors to dispute charges and close accounts; assisting you in placing a freeze on your credit file with the three major credit bureaus; and assisting you with contacting government agencies to help restore your identity to its proper condition). Please note that Identity Restoration is available to you for 24 months from the date of this letter and does not require any action on your part at this time. The Terms and Conditions for this offer are located at www.ExperianIDWorks.com/restoration. While identity restoration assistance is immediately available to you, we also encourage you to activate the fraud detection tools available through Experian IdentityWorks as a complimentary 24-month membership. This product provides you with superior identity detection and resolution of identity theft. To start monitoring your personal information, please follow the steps below: ß Ensure that you enroll by June 30, 2026 by 11:59 pm UTC (Your code will not work after this date.) ß Visit the Experian IdentityWorks website to enroll: https://www.experianidworks.com/1Bcredit ß Provide your activation code: ABCDEFGHI
If you have questions about the product, need assistance with Identity Restoration that arose as a result of this incident, or would like an alternative to enrolling in Experian IdentityWorks online, please contact Experian’s customer care team by June 30, 2026 at 833-745-2427, Monday - Friday, 8 am - 8 pm Central Time (excluding major U.S. holidays). Be prepared to provide engagement number [Engagement Number] as proof of eligibility for the Identity Restoration services by Experian. ADDITIONAL DETAILS REGARDING YOUR 24-MONTH EXPERIAN IDENTITYWORKS MEMBERSHIP A credit card is not required for enrollment in Experian IdentityWorks. You can contact Experian immediately regarding any fraud issues, and have access to the following features once you enroll in Experian IdentityWorks: Experian credit report at signup: See what information is associated with your credit file. Daily credit reports are available for online members only.* Credit Monitoring: Actively monitors Experian file for indicators of fraud. Identity Restoration: Identity Restoration specialists are immediately available to help you address credit and non- credit related fraud. Experian IdentityWorks ExtendCARE : You receive the same high-level of Identity Restoration support even TM after your Experian IdentityWorks membership has expired. $1 Million Identity Theft Insurance**: Provides coverage for certain costs and unauthorized electronic fund transfers. STEPS YOU CAN TAKE TO FURTHER PROTECT YOUR INFORMATION Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian, and TransUnion. To order your free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. You may also directly contact the three major credit reporting bureaus listed below to request a free copy of your credit report. Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1- year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should you wish to place a fraud alert, please contact any one of the three major credit reporting bureaus listed below. As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a credit freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, you cannot be charged to place or lift a credit freeze on your credit report. To request a security freeze, you may need to provide the following information, depending on whether you make the request online, by phone, or by mail:
- Full name (including middle initial as well as Jr., Sr., II, III, etc.);
- Social Security number;
- Date of birth;
- Addresses for the prior two to five years;
- Proof of current address, such as a current utility bill or telephone bill;
- A legible photocopy of a government-issued identification card (state driver’s license or ID card, etc.);
- Social Security Card, pay stub, or W2;
- If you are a victim of identity theft, include a copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft.
- Offline members will be eligible to call for additional reports quarterly after enrolling. ** The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
Should you wish to place a credit freeze, please contact the three major credit reporting bureaus listed below: Equifax Experian TransUnion https://www.equifax.com/personal/credit- https://www.transunion.com/credit- repor -services https://www.experian.com/help help 1-888-298-0045 1-888-397-3742 1-833-799-5355 Equifax Fraud Alert, P.O. Box 105069 Experian Fraud Alert, P.O. Box TransUnion Fraud Alert, P.O. Box Atlanta, GA 30348-5069 9554, Allen, TX 75013 2000, Chester, PA 19016 Equifax Credit Freeze, P.O. Box 105788 Experian Credit Freeze, P.O. TransUnion Credit Freeze, P.O. Atlanta, GA 30348-5788 Box 9554, Allen, TX 75013 Box 160, Woodlyn, PA 19094 Under Massachusetts law, you have the right to obtain any police report filed in regard to this incident. If you are the victim of identity theft, you also have the right to file a police report and obtain a copy of it. You may further educate yourself regarding identity theft, fraud alerts, credit freezes, and the steps you can take to protect your personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or your state Attorney General. The Federal Trade Commission may be reached at: 600 Pennsylvania Avenue NW, Washington, DC 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. You can obtain further information on how to file such a complaint by way of the contact information listed above. You have the right to file a police report if you ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, you will likely need to provide some proof that you have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and your state Attorney General. This notice has not been delayed by law enforcement. Kaaj understands you may have questions about this event not addressed in the letter. To ensure your questions are answered in a timely manner, please call 833-745-2427, Monday – Friday, 8 am – 8 pm Central Time (excluding major U.S. holidays). You may also write to Kaaj at the following address: 95 Third Street, Second Floor, San Francisco, CA 94103, Sincerely, Utsav Shah CEO Kaaj Technologies Inc.
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