Business Profile

Credit Reporting Agencies

Xactus, LLC

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Xactus, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

209 total complaints in the last 3 years.
75 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:11/29/2023
Type:Billing Issues
Status:
UnansweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I did not authorize this company to pull my credit report.
Initial Complaint
Date:10/29/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have no idea who the credit inquiry is or for what , Especially done so many times!I am seeking that this be corrected on my credit report!
Business Response
Date: 10/30/2023
Dear *****************************,

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

We have received your correspondence regarding your credit report. However, we were unable to locate a credit report in our system with the information you provided. Therefore, at this time, we are unable to move forward.

If you would like us to further investigate, please resubmit your request and include your full name, address, social security number, and a copy of your government issued photo identification, so that we may assist. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ###-###-#### if you have any further questions or concerns
Initial Complaint
Date:10/26/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
August 1, 20023 This company Xactus, LLC ran a credit check on me when I have never heard of them, I gave them no permission to do so, and I do not have any association with them.
Business Response
Date: 10/31/2023
Dear *****************,

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

The inquiry in your file was the result of a request that we received from "******* ********* ***" on 08/31/2023 with the permissible purpose of securing a mortgage loan. Xactus, is a “reseller” of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ************ ext **** if you have any further questions or concerns.
Initial Complaint
Date:10/11/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
- Iam not liable for the hard inquiry with Xactus LLc and do not have a contract with Cactus LLC. They did not provide me with the original application as I requested.
Business Response
Date: 10/16/2023
Dear ***********************,

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

The inquiry in your file was the result of a request that we received from **** ********, LLC on 02/06/2023 with the permissible purpose of securing a mortgage loan. Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.
Initial Complaint
Date:10/10/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have a hard inquiry on my credit report from this company and have not applied for a mortgage loan of any type. Also, I check my report often and this inquiry was dated 2022 however was not on my credit report until recently.
Business Response
Date: 10/10/2023
Dear ***********************,

We have received a notification from you regarding a Xactus,LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.
We have received your correspondence regarding your credit report. However, we were unable to locate a credit report in our system with the information you provided. Therefore, at this time, we are unable to move forward.

If you would like us to further investigate, please resubmit your request and include your full name, address, social security number, and a copy of your government issued photo identification, so that we may assist. Please contact our Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.
Initial Complaint
Date:10/08/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company has ran two credit inquiries on me without my consent, filling out an application, or even my acknowledgment that it was going to be done. I have never done any dealings with this company, nor have I filed for credit authorization with them. This company is illegally running credits checks without my approval, authorization or acknowledgment. Please remove the two credit inquiries you ran on me in July of 2023 on the 10th and the 12th. Please stop using my personal information and running credit checks on me. I have not contacted you for anything. Please stop using my personal information altogether.
Business Response
Date: 10/16/2023
Dear *****************************,

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

The inquiry in your file was the result of a request that we received from "****** ********, LLC" on 06/10/2023 and 07/11/2023 with the permissible purpose of securing a mortgage loan. Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.
Initial Complaint
Date:09/18/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I request ******* to send me a copy of my credit report. I received that information on Saturday, September 16, 2023. I haven't given any information nor permission for a mortgage company to pull my credit. I spoken with ******** at XACTUS, LLC she put me on hold to say they do not have any information on my name: *******************************, she was rude just from her answering the phone. I haven't replied to any loans, nor again mortgage companies
Business Response
Date: 09/19/2023
Dear *******************************,

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

The inquiry in your file was the result of a request that we received from "****** ********, LLC" on 08/23/2023 with the permissible purpose of securing a mortgage loan. Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.
Customer Answer
Date: 09/28/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*******************************
Customer Answer
Date: 09/28/2023
This is acceptable and, I do apologize and accept the response from the company. We can proceed to close this complaint.
Thank you very much
*****************************;
Initial Complaint
Date:08/29/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On August 28, 2023, I was notified that hard credit inquiry was performed by Xactus, LLC, as a miscellaneous inquiry. After researching the company I see that they offer mortgage financing. I have not applied for any mortgage product in the last several years, so I'm not sure why this has occurred. Please advise and remove the hard inquiry from my credit report.
Business Response
Date: 09/05/2023
Dear *********************,

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

The inquiry in your file was the result of a request that we received from "**********" on 08/28/2023 with the permissible purpose of securing a mortgage loan. Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.
Customer Answer
Date: 09/05/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because I did not authorize a mortgage loan credit pull. This was for a business loan. In addition, I was told this was supposed to be a soft pull rather than a hard inquiry.

Regards,

*********************
Business Response
Date: 09/14/2023
Thank you so much for contacting Xactus, LLC. On 08/28/2023, ********** pulled your credit report with the permissible purpose of securing a mortgage loan. Xactus is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines.
At this time we are reaching out to the mortgage company to provide Permissible Purpose per Fair Credit Reporting Act standards for making the credit inquiry, and will be sending all correspondence to you via postal mail. Please contact our Consumer Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.
Customer Answer
Date: 09/14/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:
PeopleFund indicated, in writing, that this would be a soft pull. PeopleFund has reached out with an explanation. See attached email communication.
Regards,

*********************
Business Response
Date: 10/16/2023
Thank you so much for contacting Xactus regarding this issue.In response to your dispute we will process your dispute with the national repositories (Experian, Equifax, and TransUnion as applicable) as you are re-disputing the credit inquiries. You will receive a new Dispute in Process letter via postal mail in the next few days. Once the repositories have completed their investigation; the results will be sent to you. Please contact our Consumer Disputes Processors at [email protected] or ********************* if you have any further questions or concerns
Customer Answer
Date: 10/25/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is ok. Although I still don't agree with the inquiry, its actually the fault of ************

Regards,

*********************
Initial Complaint
Date:08/29/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My credit report was pulled by this company without permission. How did they get all my information and why access my credit information without permission. This is fraud.
Business Response
Date: 09/06/2023
Dear ***************************,

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

We have received your correspondence regarding your credit report. However, we were unable to locate a credit report in our system with the information you provided. Therefore, at this time, we are unable to move forward.

If you would like us to further investigate, please resubmit your request and include your full name, address, social security number, and a copy of your government issued photo identification, so that we may assist.

If you have any questions, please contact us at the contact information below.
Sincerely,
Xactus, LLC
370 Reed Road, Suite 100
Broomall, PA 19008
Phone: ************
Fax: ************
Email: ***********************************

Consumer Assistance Contact information:

**********                                          ********                                           *******
PO Box ****                                         PO Box ****                                      PO Box ******
Chester, PA *****                                Allen, TX *****                                  Atlanta, GA *****
************                                         ************                                        ************
**********.com/myoptions                    www.********.com                              www.*******.com/****

Free Annual Credit Report
www.annualcreditreport.com
************

For more information about credit reports and your rights under Federal law, visit the CFPB website:
www.consumerfinance.gov/learnmore
Initial Complaint
Date:08/29/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Xactus LLC made hard inquiry on my credit report that I did not authorize! It was made today, Aug 29, 2023. This needs to be removed immediately!
Business Response
Date: 09/05/2023
Dear ***************************************

We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.

Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.

The inquiry in your file was the result of a request that we received from "*** ******* ** * ***********************" on 08/28/2023 with the permissible purpose of securing a mortgage loan. Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at [email protected] or ********************* if you have any further questions or concerns.

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Xactus, LLC is NOT a BBB Accredited Business.