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Business Profile

Credit Reporting Agencies

Xactus, LLC

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

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

Find a Location

Xactus, LLC has 2 locations, listed below.

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    • Xactus, LLC

      370 Reed Rd Ste 100 Broomall, PA 19008-4019

    • Xactus, LLC

      31550 Winterplace Pkwy Salisbury, MD 21804-1882

    Customer Complaints Summary

    • 204 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/30/2023

      Type:Billing Issues
      Status:
      Answered
      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 refuse to remove an inquire thats over two years old from ******* credit bureau and credit karma The inquire Xactus has been reported over 2 yrs old and must be remove according to FCRA. Please remove the inquire. FCRA violation .

      Business Response

      Date: 05/01/2023

      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 06/09/2021 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.

      Per your specific questions about the age of the inquiry. Please note that the inquiry took place in June, and would not be changed from reporting until the full 2 year mark is met. Please contact our Disputes Processors at [email protected] or 800-258-3488 ext **** if you have any further questions or concerns.

    • Initial Complaint

      Date:04/16/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      ran a credit report and obtain information without authorization. Information is being used unlegally. I have contacted my lawyer and law enforcement. XACTUS-CP got a copy of your ******** Credit Report. Mar 22, 2023 XACTUS-CP made a Mortgage Inquiry by checking your ******** Credit File. When you apply for credit, a "hard inquiry" may be placed on your Credit File and it stays on your report for 25 months. Source: ******** Company: XACTUS-CP Address: ***** *********** ****, Salisbury, MD ********** Phone: ###-###-####

      Business Response

      Date: 04/19/2023

      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 "*** ******** ***" on 03/22/2023 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:04/06/2023

      Type:Billing Issues
      Status:
      Answered
      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 received a notification of a hard credit inquiry dated 04/06/2023 from Xactus, LLC on my credit report.I have not applied for a loan nor do I need one and suspect this is fraud.

      Business Response

      Date: 04/11/2023

      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 4/5/2023 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:03/23/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 3/22/2022 Xactus ran a hard inquiry and I have no clue of who they are. I am not in the market to purchase anything. I did not apply for a mortgage nor did I give anyone permission to run my credit. I signed nothing , I submitted no applications and I want this removed now. This is absolutely ridiculous, I have no knowledge of who this company is at all. Remove this inquiry at once. My credit is affected and they need to repair this immediately.

      Business Response

      Date: 03/23/2023

      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 03/22/2023 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: 03/28/2023

      I wish this could be a resolve but it's not, the point is that I never applied for a mortgage.  Simple...I spoke to no one authorizing my credit to be pulled by anyone. This comes a few months after placing 
      an Experian fraud alert I was told would be on all 3 of my credit profiles. I should have received a call asking for my credit to be ran. I received no such call. Please removed this from my credit report.
       Complaint: ********

      I am rejecting this response because:

      Regards,

      *****************************

      Business Response

      Date: 03/29/2023

      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 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

    • Initial Complaint

      Date:03/21/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 January 7, 2022, they did an inquiry on my husband credit report We have not applied for a Mortage for them to do an inquiry on his report and by doing so lower his score. This is unacceptable and would like them to remove it as soon as possible. We do not know this company.

      Business Response

      Date: 03/22/2023

      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 01/07/2022 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 800-258-3488 ext **** if you have any further questions or concerns.

    • Initial Complaint

      Date:03/18/2023

      Type:Service or Repair Issues
      Status:
      Resolved
      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 received a random phone call from an Austin, TX phone number asking me if they could provide me with information about saving money on my mortgage. The man on the phone asked me if I planned on staying in my home for the next two years and verified my address. There was no indication of this business asking my permission to run my credit report several times nor did they disclose that they would be doing so. I’ve tried contacting the company several times to get this matter resolved but I haven’t gotten any response. If this issue continues and/or can’t be resolved I will seek alternative methods to resolve this matter.

      Business Response

      Date: 03/20/2023

      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 03/17/2023 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: 03/30/2023

      [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,

      *********************

    • Initial Complaint

      Date:03/07/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      While looking at my credit report I noticed a new hard inquiry that made my score drop 5 points and it was from a company named Xactus which I previously had no dealings with and have no idea how they received my information or why they would run my credit report. According to ****** ******** says the inquiry was made between Dec 2022-Feb 2023. I researched the company and have found multiple people have this same complaint. I am worried my private information is a risk for fraud. I contacted the company and they wanted my name, DOB, address etc before they could tell me anything and I refused to give it to them because I feel the company is a scam.

      Business Response

      Date: 03/09/2023

      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 02/27/2023 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:02/26/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      ***** of ***** agent **** did not advised me that he was pulling a credit report on me. He simple did not advised his intentions and kept avoiding the questions of how the business would work in our favorite. I want him to remove the hard inquiry that he didn't advised me he would do. I didn't give him permission to do this and I want it removed immediately.

      Business Response

      Date: 03/01/2023

      Dear [Consumer Name]

      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 "****** ** ***** ******** INC" on 02/25/2023 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. 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: 03/02/2023

      [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 called to ask questions about the company and what I may expect. **** was a fast talker and didn't explain that he was going to do a hard pull on my credit nor did he explained to me what he was doing. I didn't give him permission to pull  my credit, he just assumed I wanted to work with him and did the opposite. I was asking questions, not telling him I wanted to use the company. I feel I was taken advantage of because I am a black woman. This isn't right and I want this taken off my credit immediately.

      Regards,

      ***********************

      Business Response

      Date: 03/05/2023

      Thank you so much for contacting Xactus, LLC.  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.

    • Initial Complaint

      Date:02/20/2023

      Type:Billing Issues
      Status:
      Resolved
      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.
      Unauthorized credit check on **************************** on Feb. 17, 2023.

      Business Response

      Date: 02/21/2023

      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,********* 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 02/17/2023 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 *********************************** or ********************* if you have any further questions or concerns.

      Customer Answer

      Date: 03/02/2023

      [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,

      *************************

      I accept!


    • Initial Complaint

      Date:02/11/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      An unauthorized hard inquiry on credit report was made by XACTUS - UCS, on 02/10/2022. Please remove this hard inquiry from my credit report.

      Business Response

      Date: 02/14/2023

      Dear *****************************,

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

      Please be advised that ****** ***** ********* ****** ********* ******* **** *** ****** ******************* ******* ********* *** ************ 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 02/10/2022 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 *********************************** or ********************* if you have any further questions or concerns.

    Xactus, LLC is NOT a BBB Accredited Business.

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