Cinner v. Xactus, LLC (Credit Plus) FCRA Credit Report Settlement
What this is about
The lawsuit alleged Credit Plus sold consumer reports to mortgage lenders that included estimated monthly payments on charged-off accounts that were calculated by the defendants rather than reported by creditors, violating the Fair Credit Reporting Act's maximum-possible-accuracy requirement.
The background
A settlement has been reached in Cinner v. Xactus, LLC, Case No. 2:23-cv-04531-JMY, pending in the United States District Court for the Eastern District of Pennsylvania, asserting Fair Credit Reporting Act violations against Xactus LLC and Credit Plus LLC. The lawsuit claimed that when Credit Plus sold consumer reports to mortgage lenders, the reports included estimated non-zero monthly payment obligations on charged-off accounts that had been calculated by the defendants rather than reported by creditors, harming consumers' credit profiles. The defendants deny the allegations. Class members who submit a valid Claim Form by September 29, 2026 may receive a pro rata cash payment estimated at roughly $500 from the $2.4 million settlement fund. The deadlines to request exclusion or object are also September 29, 2026, and the Final Approval Hearing is scheduled for November 5, 2026.
Worth knowing
A settlement has been reached in Cinner v. Xactus, LLC, Case No. 2:23-cv-04531-JMY, pending in the United States District Court for the Eastern District of Pennsylvania, asserting Fair Credit Reporting Act violations against Xactus LLC and Credit Plus LLC. The lawsuit claimed that when Credit Plus sold consumer reports to mortgage lenders, the reports included estimated non-zero monthly payment obligations on charged-off accounts that had been calculated by the defendants rather than reported by creditors, harming consumers' credit profiles. The defendants deny the allegations. Class members who submit a valid Claim Form by September 29, 2026 may receive a pro rata cash payment estimated at roughly $500 from the $2.4 million settlement fund. The deadlines to request exclusion or object are also September 29, 2026, and the Final Approval Hearing is scheduled for November 5, 2026.
File your claim on the official site →Common questions
How much can I get from the Cinner v. Xactus, LLC (Credit Plus) FCRA Credit Report Settlement?
Pro rata cash payment estimated at approximately $500 (from a $2.4 million settlement fund; amount depends on number of valid claims)
What happened in the Cinner v. Xactus, LLC (Credit Plus) FCRA Credit Report Settlement case?
The lawsuit alleged Credit Plus sold consumer reports to mortgage lenders that included estimated monthly payments on charged-off accounts that were calculated by the defendants rather than reported by creditors, violating the Fair Credit Reporting Act's maximum-possible-accuracy requirement.
How do I actually file a claim?
Use the official claim link on this page — it goes directly to the real claims administrator or court-approved site. We never collect claim submissions ourselves and never charge a fee to help you file.
Where does this information come from?
This entry was last verified on August 28, 2026 against its primary source (the official claims administrator, court record, or government page) — linked below. We re-check it, not just copy it once.
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