Case file: Fairwinds Credit Union
Every government filing on this incident, the dates as stated, and the days to notice against each state's statute. Built from the records on Nov 9, 2026, agency link on every row. Not legal advice.
The incident
- Breach window
- Sep 7, 2025 to Nov 7, 2025
- Discovered
- Nov 7, 2025, as stated in the California letter
- State and federal records
- 3 filings, Sep 23, 2026 to Sep 25, 2026
- Residents counted
- 1,397 in 2 states (TX, MA), latest filing per state
- Everyone affected
- 172,566, as reported to Texas AG on Sep 25, 2026
- Information exposed
- Social Security number, Postal address, Financial / bank account, Driver's license / state ID
- Offered to those affected
- credit or identity monitoring through Experian (term not stated in the letter we read)
- Third party named
- No
- Days to notice
- Past the statutory period in all 2 states that set one, counted from discovery to each state's first record
The letter: "On November 7, 2025, Mercadien identified a cybersecurity incident within its systems and began an investigation."
Filings
| Agency | Record date | People | In total | Days to notice | Links |
|---|---|---|---|---|---|
| Texas Texas AG | Sep 25, 2026 | 1,126 | 172,566 | 322 days, statute 60 days, over | Record |
| California California AG | Sep 23, 2026 | Not published | 320 days, statute 30 days, over | Letter Record | |
| Massachusetts Massachusetts OCABR | Sep 23, 2026 | 271 | 320 days, statute no fixed period | Record |
People is the count the filing gives, residents of the state unless marked total. Days to notice runs from the discovery date the letter states, or from the end of the breach window when no letter states one, to the date on the state's first record of the incident. "Over" marks a count past the days the state's statute allows for notice to residents. The statute's trigger is a question of fact, the days are arithmetic.
Notice timing, state by state
- 322 days from discovery (Nov 7, 2025) to the Texas record (Sep 25, 2026). Statute: 60 days from determination that the breach occurred (Tex. Bus. & Com. Code § 521.053).
- 320 days from discovery (Nov 7, 2025) to the California record (Sep 23, 2026). Statute: 30 days from discovery or notification of the breach (Cal. Civ. Code § 1798.82).
- 320 days from discovery (Nov 7, 2025) to the Massachusetts record (Sep 23, 2026). Statute: no fixed period from knowledge or reason to know of the breach (Mass. Gen. Laws ch. 93H, § 3).
The statutes
- Texas: 60 days to notify residents from determination that the breach occurred, Tex. Bus. & Com. Code § 521.053. Attorney General within 30 days of determination when 250 or more Texas residents are affected.
- California: 30 days to notify residents from discovery or notification of the breach, Cal. Civ. Code § 1798.82. Sample notice to the Attorney General when more than 500 Californians are notified, within 15 days of the consumer notice (effective 2026).
- Massachusetts: no fixed period to notify residents from knowledge or reason to know of the breach, Mass. Gen. Laws ch. 93H, § 3. Attorney General and OCABR as soon as practicable and without unreasonable delay, every breach.
Sources and method
Records as published by Texas AG, California AG, Massachusetts OCABR. Letter facts (discovery date, monitoring, third party) are read from the consumer letter the agency posted, 1 letter read for this incident, and quoted so you can check them. Texas and HHS publish no letters. First-seen times on each record page. Spot an error? Email support@breachtally.com with this page link.