UPDATED:    February 20, 2025

Xactus Data Breach Lawsuit

Data Breach Summary

Xactus

Who Was Affected
Individuals associated with Xactus
Impacted Data
Name, email address, financial information and social security number
Date of Breach
February 3, 2025
Have you been affected by Xactus's data breach?

Xactus, a provider of verification solutions for the mortgage industry fell victim to a cybersecurity attack, resulting in a significant data breach. Impacted individuals are urged to remain vigilant by monitoring financial statements, updating passwords, and staying alert to phishing attempts. For more information, visit our guide on how to protect your information after a data breach and minimize potential harm.

Xactus Data Breach Details

On July 15, 2024, Xactus, a provider of verification solutions for the mortgage industry, identified suspicious activity in its email tenant and swiftly took action to secure its environment. The company engaged third-party forensic specialists to investigate the nature and scope of the incident.

Through the investigation, Xactus determined that an unauthorized actor had intermittently accessed one email account between June 26, 2024, and July 15, 2024. Although the unauthorized access was detected and removed within an hour of discovery, forensic analysis confirmed that the attacker had acquired certain information stored in the compromised email account.

As part of its commitment to protecting affected individuals, Xactus is offering complimentary credit monitoring and identity restoration services through IDX for 24 months. Impacted individuals must enroll themselves in these services, as Xactus cannot do so on their behalf.

What Information Was Compromised?

According to Xactus, the breach potentially exposed personal details. Among the most concerning pieces of compromised data were Names, Social Security numbers and Financial Information.

How to Know if You Were Affected

If you received a data breach notification from Xactus, your personal information may have been compromised. While most victims are officially notified through a “Notice of Data Breach” in the mail, the consequences—such as fraudulent transactions and identity theft—can begin long before the notice arrives.

Steps to Take if You Were Affected by the Xactus Data Breach

Stay Alert for Phishing Scams
Scammers may exploit the data breach by posing as Xactus. Be cautious of unexpected emails, texts, or calls requesting personal information. When in doubt, verify communications directly with the company through official channels.

Monitor Your Credit and Financial Accounts
Regularly check your bank statements, credit card activity, and credit reports for unauthorized transactions. Set up account alerts to detect suspicious activity early. Take advantage of free credit reports and review them carefully for unfamiliar accounts or discrepancies.

Consider Freezing Your Credit
For added security, request a credit freeze from all three major credit bureaus. This prevents new accounts from being opened in your name while still allowing you to use existing credit. You can temporarily lift the freeze when necessary if applying for credit.

Class Action U, in partnership with KO Lawyers, is assisting individuals impacted by the Xactus data breach. If your information was exposed, you may be eligible to join a class action lawsuit.

How Xactus Class Action Lawsuits Help Victims Seek Compensation

Class action lawsuits enable individuals affected by large-scale data breaches, like the Xactus incident, to pursue compensation collectively. This approach offers a more efficient and cost-effective way to hold companies accountable for failing to protect personal information.

By joining a class action lawsuit, you may seek compensation for:

  • Loss of privacy
  • Time spent addressing the breach
  • Out-of-pocket expenses
  • Emotional distress

A successful lawsuit could also compel Xactus to strengthen its security measures and prevent future breaches. Contact Class Action U today to determine your eligibility for a data breach class action lawsuit and explore the compensation that may be available to you.

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