Cinner v. Xactus FCRA Settlement

What happened

The lawsuit claims Credit Plus sold merged infile credit reports to mortgage lenders that included estimated non-zero monthly payment amounts on charged-off accounts, even when two of three major credit bureaus reported the account with a $0 balance. This allegedly made consumers' monthly debt obligations appear higher than they actually were, possibly violating the Fair Credit Reporting Act. The defendants deny wrongdoing but agreed to pay $2.4 million to settle.

Do you qualify?

You are a class member if, between November 16, 2021 and the date of the Court's Preliminary Approval Order, you were a natural person with an address in the United States or its territories, and Credit Plus prepared and sold a Merged Infile Credit Report about you to a third party where the merged component displayed a charged off account in R9 status with a non-zero balance and non-zero calculated monthly payment amount when two of the three consumer reporting agencies reported the same account with a $0 balance.

What the settlement pays

Expected approximately $500 per claimant, but actual amount depends on the number of claims and may be lower or higher.

Paid from a $2.4M settlement fund. Individual amounts depend on how many valid claims are filed.

How to file

Submit a Claim Form on this website by September 29, 2026. The notice does not mention that proof is required to file. Payments are expected to be approximately $500, but the actual amount depends on the number of claims submitted.