Xactus Data Breach Class Action

At Console & Associates, our data breach lawyers are closely examining the recent Xactus data breach. This data breach was disclosed following a cyber security incident at Xactus, which exposed sensitive personal identifiable information, including names, financial account information, and driver's license numbers.

What Happened?

A recent report from the Massachusetts Attorney General's office states that Xactus experienced an email security incident. On July 15, 2024, the company detected suspicious activity in their email system and immediately secured their environment while engaging cybersecurity experts to investigate.

The investigation confirmed unauthorized access to one email account between June 26, 2024, and July 15, 2024. Although the unauthorized actor was removed within an hour of discovery, they had already accessed confidential information. After completing their review on November 25, 2024, Xactus spent the next two months locating contact information for affected individuals.

Data breach letters were sent out by Xactus on February 14, 2025, informing affected individuals about the nature of the incident and specific data that was compromised in their case.

Steps To Take If You Were Affected By A Data Breach

1. Monitor all accounts and credit reports closely
   1. Set up alerts for suspicious activity
   2. Review all financial statements thoroughly
   3. Request free credit reports and examine them for unauthorized entries
      
      
2. Consider freezing your credit
   1. Contact all three major credit bureaus to place a freeze
   2. Understand this prevents new accounts from being opened in your name
   3. Remember to temporarily lift the freeze when applying for legitimate credit
      
      
3. Look out for phishing attempts using information from the Xactus data breach
   1. Be wary of unexpected emails or messages claiming to be from Xactus
   2. Don't click on suspicious links or download unexpected attachments
   3. Verify all communications through official channels
      
      
4. Change passwords for affected accounts
   1. Create strong, unique passwords for each account
   2. Use a combination of letters, numbers, and special characters
   3. Consider using a password manager for better security
      
      
5. Enable two-factor authentication where possible
   1. Add this extra layer of security to all important accounts
   2. Use authenticator apps rather than SMS when available
   3. Keep backup codes in a secure location

For more detailed guidance, explore our “Guide for Victims of a Data Breach” to better understand measures you can take to protect yourself after a data breach.

Xactus Overview

Xactus LLC operates from its headquarters in Broomall, Pennsylvania, as a verification service provider for the mortgage industry. The company processes credit reports, conducts property valuations, and performs data analysis for mortgage lenders. Their services include verification of borrower information, credit history assessment, and property value confirmation.

The organization employs 500 people, including verification specialists, data analysts, and support staff. Through their mortgage industry verification services, Xactus generates annual revenue of $105 million. The company maintains databases and systems that process lending documentation and property information for mortgage applications.

Xactus Data Breach Victims Have Rights - Don’t Wait to Act

How do you know that you were affected by the Xactus data breach? Usually victims receive a NOTICE OF DATA BREACH in the mail, but the impact of a breach can be felt long before notices are sent to those affected. This can be in the form of fraudulent financial activity and other forms of identity theft.

If you believe you were affected, we encourage you to reach out to our data breach law firm for legal assistance through a no-cost consultation about your situation. We will review your eligibility to file a data breach class action lawsuit and discuss your legal rights and any compensation that may be available to you.

Complete our confidential contact form below and a member of our legal team will be in touch.