Most people meet Xactus in one of two places: as an unfamiliar hard inquiry reading Xactus LLC during a mortgage application, or in the fine print of a denial letter naming the company that supplied the credit report. Either way, the question is the same — who is this, and why do they have my credit file?
What Xactus is
Xactus is a verification and credit reporting company that serves mortgage lenders. Its own consumer FAQ describes the company as one that provides credit reports from TransUnion, Equifax and Experian to lending institutions and mortgage companies, and states that it does not maintain its own consumer credit database. It appears on Fannie Mae’s list of approved credit information providers — the companies mortgage lenders order reports through when they run an application. It does not make lending decisions. It obtains your information from the three national bureaus, assembles it into the report your lender ordered, and delivers it.
Why Xactus is on your credit report
When a lender orders your credit through Xactus, the pull is recorded on your bureau files under the Xactus name, sometimes alongside the lender’s. That is why a mortgage application with a lender you recognize can produce an inquiry from a company you have never heard of. If you applied for a mortgage recently, an Xactus inquiry is usually that application. If you have not applied for anything, an unrecognized Xactus inquiry is worth taking seriously — unauthorized pulls are a common first sign of identity theft or a mixed file, and you have the right to know who pulled your file and on what authority.
The report your lender saw is not the report you see
The report Xactus assembles for a lender is not identical to the file you pull from the bureaus, and mortgage lenders score with different models than the consumer apps use — which is why the score your loan officer reads you can differ sharply from the one on your phone. That gap matters when something goes wrong: an account that is not yours, a paid-off debt still showing a balance, or another person’s record merged into your file can sit in the lender’s version and cost you an approval you should have had.
How to dispute an error on an Xactus report
Xactus’s consumer FAQ directs consumers to its Consumer Disputes Department at 877-224-8107 or consumerdisputes@xactus.com, both for copies of a report its clients ordered and for disputes of incorrect or incomplete information; it also notes you can pull your current bureau files at annualcreditreport.com. Because Xactus assembles bureau data, the error usually also lives at Equifax, Experian or TransUnion, so a complete dispute goes to the source bureau as well. Companies that assemble and resell credit reports are consumer reporting agencies under the Fair Credit Reporting Act, with their own accuracy and dispute-handling duties — a dispute they ignore or a report they will not correct is not a dead end.
When a report error costs you the mortgage
If an inaccurate report cost you a loan approval or a better rate, that denial letter is evidence. The FCRA lets consumers recover actual damages, and in the right case statutory and punitive damages, from the companies responsible for inaccurate reporting. The deadlines run from discovery, so a denial letter naming Xactus is a document to keep. Our page on suing a mortgage company for an FCRA violation covers how these cases work, and if another person’s information is in your file, start with mixed credit files.
What it costs
The FCRA is a fee-shifting statute: when a consumer wins, the company pays the attorney’s fees. You pay nothing unless we win.
Where your situation fits
Xactus is one of a small group of companies that pull and merge credit reports for mortgage lenders — the same family as Factual Data and Credco. If the name on your report or denial letter is one of these, the analysis is the same: get the report, find the error, and hold both the reseller and the source bureau to the statute. Our FCRA attorney page covers how these cases work.
We represent consumers against the bureaus, the specialty and mortgage reporting companies, and the companies that furnish information to them. Send us the denial letter or the report and we will tell you whether we see a claim. Contact The Kim Law Firm for a no-cost review.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated August 2026.