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Xactus Credit Report Accuracy Settlement — Do You Qualify?

Updated August 4, 2026

Defendant
Xactus LLC and Credit Plus LLC
Status
Open to claims
Potential payout
Pro rata cash payment from a $2.4 million settlement fund
Claim deadline
September 29, 2026
Settlement fund
$2.4 million
Proof required
No claim form proof for basic payout
Check if you qualify →

Overview

The proposed settlement concerns allegations that Xactus and Credit Plus failed to use reasonable procedures to assure maximum possible accuracy when Credit Plus sold merged infile credit reports to mortgage lenders. The reports at issue allegedly displayed a nonzero calculated monthly payment on certain charged-off accounts even though two of the three major credit bureaus reported a zero balance. The case is Cinner v. Xactus, LLC, No. 2:23-cv-04531-JMY, in the U.S. District Court for the Eastern District of Pennsylvania. The defendants deny wrongdoing, and the court has not ruled in either side's favor.

Who qualifies

  • You are a natural person with an address in the United States or a U.S. territory.
  • Credit Plus prepared and sold a merged infile credit report about you to a third party during the class period beginning November 16, 2021, and ending on the date of preliminary approval.
  • The merged report displayed a charged-off account in R9 status with a nonzero balance and nonzero calculated monthly payment when two of the three consumer reporting agencies reported that account to Credit Plus with a zero balance.

What you could receive

Xactus and Credit Plus agreed to establish a $2.4 million fund for class-member payments, settlement administration, attorneys' fees and expenses, and a service award. Valid claimants will receive a pro rata share after approved deductions and claim processing. No fixed individual payment is guaranteed.

How to file your claim

  1. 1Visit the official settlement website and open the three-step claim form.
  2. 2Enter the Claim Number and PIN printed on your mailed notice.
  3. 3Complete every part of the form and sign the required sworn statement.
  4. 4Submit the claim by September 29, 2026, and verify your mailing or electronic-payment information.

Official settlement site: CinnerFCRAClassAction.com. Class Action Pulse is not the settlement administrator or a law firm — always verify eligibility, deadlines, and payout details through the official source above.

Free Eligibility Check

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Sources

Frequently asked questions

Who qualifies for the Xactus settlement?

The class definition covers specified U.S. residents and U.S.-territory residents whose Credit Plus merged infile report displayed a qualifying charged-off account with a calculated nonzero payment despite zero-balance reporting by two bureaus.

How much could I receive?

Valid claimants receive a pro rata share of the net $2.4 million settlement fund. The official materials do not guarantee a fixed individual amount.

When is the claim deadline?

The official claim form must be completed by September 29, 2026.