What a West Virginia breach involves
The duty covers a resident "whose unencrypted and unredacted personal information was or is reasonably believed to have been accessed and acquired by an unauthorized person" where that "causes, or the individual or entity reasonably believes has caused or will cause, identity theft or other fraud to any resident of this state."
Both words matter: accessed and acquired. And the fraud condition means a breach with no actual or reasonably expected identity theft or fraud sits outside the duty.
Encrypted or redacted data is outside it as well, because the trigger speaks only of unencrypted and unredacted information.