Monitoring - The government shutdown is now in effect. Here’s what you need to know, and what steps you can take right now:

Social Security Verification X:
eCBSV (electronic Consent Based SSN Verification) remains available.
CBSV (wet-sign only Consent Based SSN Verification) is unavailable during the shutdown. Please do not submit SSA-89 requests until the government reopens.

Flood Report X:
National Flood Insurance Program (NFIP) Lapse: New policies and renewals are temporarily unavailable. FEMA may issue temporary procedures, watch for updates. Private flood insurance can be accepted provided it meets federal standards.

Xactus is monitoring the situation closely. We’ll keep you updated so you can move forward with clarity and confidence as the shutdown continues.

Oct 01, 2025 - 11:46 EDT
Xactus360 Operational
FraudX Operational
Services Operational
Call Center Operational
Third Party Systems Operational
Equifax Operational
Experian Operational
TransUnion Operational
IRS SSA Operational
Credit Card Processing Operational
Sharper Lending Operational
Operational
Degraded Performance
Partial Outage
Major Outage
Maintenance
Oct 5, 2025

No incidents reported today.

Oct 4, 2025
Completed - The scheduled maintenance has been completed.
Oct 4, 08:00 EDT
In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary.
Sep 29, 21:00 EDT
Scheduled - Our partner for Consent-Based Social Security Verifications (CBSV) will perform system maintenance that will temporarily impact service availability.

Outage Window: Monday, September 29, 2025, at 9:00 PM (EDT) through Saturday, October 4, 2025, at 8:00 AM (EDT).

Impact: CBSV services will be unavailable during this time.

Note: SSx orders placed during this time will be held and processed after the window.

Sep 12, 14:20 EDT
Oct 3, 2025

No incidents reported.

Oct 2, 2025

No incidents reported.

Oct 1, 2025

Unresolved incident: Government shutdown.

Sep 30, 2025

No incidents reported.

Sep 29, 2025
Resolved - This incident has been resolved. Requests to Experian that received an error response during the incident window have been resubmitted by Xactus.
Sep 29, 15:07 EDT
Monitoring - Experian latency and error rate have returned to normal. We are continuing to monitor the situation.
Sep 29, 13:57 EDT
Update - Experian confirmed their services are experiencing degradation and Experian is investigating the cause.
Sep 29, 13:07 EDT
Investigating - Xactus is experiencing elevated latency and errors with credit requests sent to Experian. These requests are being retried successfully. We have contacted Experian and are investigating the issue.
Sep 29, 11:36 EDT
Sep 28, 2025
Completed - The scheduled maintenance has been completed.
Sep 28, 22:00 EDT
In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary.
Sep 28, 21:00 EDT
Scheduled - Our partner for payments processing, Authorize.net, will be performing Production and Sandbox network updates on 9/28/2025 beginning at 8:00 PM Pacific, lasting for approximately 30-60 minutes with intermittent service interruption. For details on services intermittently inaccessible, please see their support article: https://support.authorize.net/knowledgebase/Knowledgearticle/?code=000003207.
Though services will be impacted, no service should be unavailable for the entirety of the update window.

Sep 11, 14:52 EDT
Sep 27, 2025

No incidents reported.

Sep 26, 2025
Resolved - This incident has been resolved.
Sep 26, 10:30 EDT
Monitoring - A fix has been implemented and we are monitoring the results.
Sep 26, 09:22 EDT
Update - A resolution to this issue is still in progress. The following workaround remains available in the interim: Encompass users may reissue the original report with the merge report number and re-import the affected scores & actual liabilities. We apologize for any inconvenience. Thank you for your continued patience.
Sep 25, 23:35 EDT
Identified - Our staff has identified the cause of the issue and are working on deploying a fix. Workaround remains the same as previously announced.
Sep 25, 20:02 EDT
Investigating - Encompass users may experience unexpected data overwrite within the application when executing refresh reports. Initial investigation determined that the CreditReportType was changed to "Merge" in the XML Response file, which is causing Encompass to overwrite or alter existing data.

Workaround:
Encompass users may reissue the original report with the original merge report number and re-import the affected scores & actual Liabilities.

Sep 25, 19:12 EDT
Sep 25, 2025
Sep 24, 2025

No incidents reported.

Sep 23, 2025

No incidents reported.

Sep 22, 2025

No incidents reported.

Sep 21, 2025

No incidents reported.