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Xact
PO Box 36454
Cincinnati, OH 45236-0454

Feedback Hotline
513-878-0298

Customer Service
800-316-4220

Questions

Have questions about your application or loan? Want to find out more about refinancing? Need to update your account information?
Log into your Pocket360™ account today.

Feedback, Complaints, Fraud Concerns

Your feedback, comments, and/or complaints help us improve our products and services. We also take fraud and ID theft seriously. 
Please feel free to submit any issues or report behavior that concerns you. 

 

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Disputed Payment Information

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Contact your bank to file an unauthorized use report.
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Have you filed a report with law enforcement?
Do you have any idea who may have used your information without your consent?

Feedback Information

ALERT: To protect your privacy, we recommend you redact, or black out, personally identifiable information (PII), such as Social Security Number, Date of Birth, Bank Account number, Driver’s License number, etc., in documents uploaded or text entered on this site.

Xact reports credit information to two major credit bureau agencies at the end of each month. Although we submit the information to the bureaus at the end of the month, the bureaus have 30 days from the receipt of our data to update a consumer’s credit report. We report credit data to Experian and TransUnion. The contact information for each is as follows:

Experian
(888) 397-3742
https://www.experian.com

TransUnion
(800) 916-8800
https://www.transunion.com

Direct credit disputes must relate to the following: (1) your liability for a credit account or other debt with Xact; (2) the terms of an account or other debt with Xact; (3) your performance or other conduct concerning an account or other relationship with Xact; or (4) any other information contained in your report for an account or other relationship with the Xact that bears on the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Xact will investigate if you, the consumer, submit your dispute on this page or in writing to Xact, ATTN: Credit Disputes, 7755 Montgomery Road, Suite 400, Cincinnati, OH 45236. In order for us to properly process your dispute, you must (1) identify the account in dispute, (2) identify the specific information being disputed, (3) provide an explanation of the basis for the dispute, and (4) provide all supporting documentation required by us to substantiate the basis of the dispute. In order for your rights to be properly protected under the Fair Credit Reporting Act 15 U.S.C. 1681, we recommend that you submit a dispute directly to the Credit Bureaus, Experian, Transunion, etc.

Privacy Policy  |  Terms & Conditions  |  Privacy Policy CCPA  |  PRIVACY NOTICE AFS  |  PRIVACY NOTICE CCB

DO NOT SELL MY PERSONAL INFORMATION  |  CALIFORNIA CONSUMER PRIVACY ACT


© 2025 Xact®.  All rights reserved.  PO Box 36454, Cincinnati, OH 45236-0454

Contact Us

800.316.4220

P.O. Box 36454
Cincinnati, OH 45236-0454

Xact Customer Service Hours:
Monday–Friday: 8 am – 9 pm EST.
Saturday: 10am - 2pm EST