Credit Reporting Documentation required
Xactus & Credit Plus $2.4M FCRA Credit Report Class Action Settlement
estimated ~$500 cash from a $2.4M fund
13 days leftClaim deadline: September 29, 2026
Who qualifies
~28,416 people whose Credit Plus merged credit report showed a charged-off R9 account with a calculated monthly payment while two of three bureaus reported a $0 balance (since Nov 16, 2021) · Claim Number & PIN needed
Where: Nationwide / see notice
Proof needed
Claim Number & PIN needed
About this settlement
A $2.4M FCRA settlement over merged credit reports sold to mortgage lenders. If you got a notice, claim an estimated $500 by September 29, 2026.
Details
- Settlement fund
- estimated ~$500 cash
- Seen on
- Discuss in
- Credit Reporting
Settlement Owl is a discovery tool, not a law firm or settlement administrator. Eligibility is decided solely by the official class definition — confirm every detail on the official settlement website before filing. Payout figures are estimates set by the settlement and may be reduced pro rata.