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.
