Xactus, LLC

What we know about this broker

Xactus, LLC is a B2B credit report reseller / mortgage verification provider registered under the FCRA; also registered as a Vermont data broker. They process data on behalf of lender clients — their privacy policy explicitly states that if data was 'requested by or processed on behalf of one of our clients,' the client is the data controller and requests should go to the client directly. Direct consumer privacy requests go to [email protected] (confirmed live on privacy policy). Authorized agents accepted conditionally — policy states written authorization signed by the consumer and the designated agent is required. No dedicated online opt-out form found; consumer resources page links out to optoutprescreen.com (for credit solicitation opt-outs) and optout.lexisnexis.com. Tier 3 / manual because Xactus is primarily a FCRA-regulated B2B service provider; consumer-facing removal is opaque and subject to FCRA's permissible-purpose framework. Category updated from 'other' to 'risk_investigation' given FCRA credit/mortgage verification role. Researched 2026-06-17.