No Proof Required
Xactus $2.4M Credit Report Accuracy Class Action Settlement
By the Class Action Buddy Editorial Team · Last reviewed July 31, 2026
Looking for a settlement you can still file?
This one is closed, but our 60-second eligibility quiz finds the ones that are still open.
Who Was Eligible?
Who the settlement covered:
- You are a U.S. consumer who had a credit report prepared, compiled, or furnished by Xactus (formerly known as Cinner or a related entity)
- Your credit report contained inaccurate or incomplete information during the relevant class period
- Xactus's alleged failure to maintain proper procedures for credit report accuracy affected your consumer file
- You received a notice about this settlement or have records indicating Xactus processed your credit data
- You did not previously release your claims against Xactus related to FCRA credit report accuracy violations
How Much Did It Pay?
The total settlement fund is $2.4 million, which will be distributed among qualifying class members after legal fees, administrative costs, and any named plaintiff awards are deducted. The exact amount each individual receives will depend on the total number of valid claims filed — the more people who submit claims, the smaller each individual payout may be. Specific per-person payout amounts have not been publicly detailed at this time. However, FCRA settlements of this size typically result in payments ranging from a modest amount up to several hundred dollars per claimant, depending on claim volume. Filing a claim costs you nothing, so it's worth submitting one if you believe you qualify.How this claim was filed
This settlement is closed, so the steps below are kept for reference only — they no longer lead anywhere you can file.
- Confirm you qualify by reviewing the eligibility criteria above — particularly whether Xactus or a related entity prepared a credit report on you
- Gather any documentation you may have, such as credit report copies, dispute letters, or any notices you received from Xactus or related companies
- Visit the official settlement claim website (check the settlement administrator's site for the most current claim form link)
- Complete the claim form with your personal information and any supporting details about your credit report experience
- Submit your claim before the official deadline — deadlines can be added or updated, so check back for the latest information
Looking for something you can still claim?
This one has closed, but the open settlements list is kept current, and Class Action Buddy will tell you when a new one matches your profile.
Frequently Asked Questions
What is the deadline to file a claim for the Xactus $2.4M Credit Report Accuracy Class Action Settlement?
The deadline to file a claim was Sep 29, 2026, and it has passed. Claims are no longer accepted for this settlement.
How much can I receive from the Xactus $2.4M Credit Report Accuracy Class Action Settlement?
The maximum payout per eligible claimant is up to $500. Actual payments may be lower depending on the total number of valid claims filed and the available settlement fund.
Did I need proof of purchase for the Xactus $2.4M Credit Report Accuracy Class Action Settlement?
No proof of purchase was required — claims could be made on a sworn statement, without receipts, photos, or product packaging.
What is the Xactus FCRA class action settlement about?
This settlement resolves a lawsuit alleging that Xactus, a credit reporting company, violated the Fair Credit Reporting Act by failing to use proper procedures to ensure the accuracy of consumer credit reports. Xactus has agreed to pay $2.4 million to compensate affected consumers, without admitting any wrongdoing.
How do I know if Xactus pulled or prepared my credit report?
You can check your credit reports from the three major bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com for any inquiries or data furnished by Xactus. You may also have received a direct notice in the mail if you are a confirmed class member. If you're unsure, it's still worth filing a claim if you believe your credit data was handled by Xactus.
Do I need proof to file a claim in the Xactus settlement?
The specific proof requirements for this settlement are not yet fully detailed publicly. In general, FCRA settlements may ask you to provide documentation such as a copy of the inaccurate credit report or correspondence with Xactus. It's a good idea to gather any relevant records you have before filing. Class Action Buddy can help guide you through the process.
Primary source: the official settlement administrator’s website named in the court-approved class notice. We track this settlement from public settlement-notice sources; a single official administrator claim URL was not on file, so confirm the details on the official settlement website before you file.
Class Action Buddy is an independent directory and is not affiliated with, endorsed by, or sponsored by the settlement administrator or the court. This page is general information, not legal advice. See how we verify settlements.
This settlement has closed
The filing deadline for this one has passed, so no new claims are being accepted. Class Action Buddy tracks the settlements that are still open and tells you when a new one matches your profile.
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