Xactus Outage History

Started Mar 27, 2026, 10:00 PM UTC· resolved Mar 27, 2026, 11:20 PM UTC

1. investigating Mar 27, 2026, 10:00 PM UTC

   We are investigating elevated error rates with connections to Equifax.

2. monitoring Mar 27, 2026, 10:58 PM UTC

   Error rates have returned to normal. We will monitor performance to ensure stability.

3. resolved Mar 27, 2026, 11:20 PM UTC

   This incident has been resolved.

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Started Mar 04, 2026, 08:37 PM UTC· resolved Mar 05, 2026, 07:21 PM UTC

1. investigating Mar 04, 2026, 08:37 PM UTC

   An intermittent issue has been identified where completed AccountChek PDFs are not returning to Xactus360. For immediate access to a recently completed order, please email [email protected] while we work to resolve.

2. resolved Mar 05, 2026, 07:21 PM UTC

   AccountChek PDFs are now successfully returning to Xactus360 for all new orders. If you need access to a completed order that was impacted during the disruption, please email [email protected] while we complete the remaining remediation.

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Started Mar 02, 2026, 09:25 PM UTC· resolved Mar 03, 2026, 12:34 AM UTC

1. investigating Mar 02, 2026, 09:25 PM UTC

   We are investigating an observed increase in error rates for Experian Precise ID requests.

2. investigating Mar 02, 2026, 10:43 PM UTC

   We are in contact with Experian support to troubleshoot the issue.

3. investigating Mar 02, 2026, 11:32 PM UTC

   We are continuing to investigate this issue.

4. monitoring Mar 02, 2026, 11:41 PM UTC

   Experian was able to confirm that an outage was observed on their systems. Error rates for Experian Precise ID have returned to normal. We will continue to monitor the performance for stability.

5. resolved Mar 03, 2026, 12:34 AM UTC

   This incident has been resolved.

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Started Feb 25, 2026, 02:21 PM UTC· resolved Feb 25, 2026, 03:35 PM UTC

1. investigating Feb 25, 2026, 02:21 PM UTC

   We have observed elevated error rates with TransUnion credit pulls. We have engaged with TransUnion support to troubleshoot the issue.

2. resolved Feb 25, 2026, 03:35 PM UTC

   TransUnion credit pull error rates have returned to normal.

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Started Feb 23, 2026, 10:01 PM UTC· resolved Feb 24, 2026, 05:10 AM UTC

1. investigating Feb 23, 2026, 10:01 PM UTC

   Experian is experiencing a widespread service outage with Precise ID. Experian is aware of the issue and is working to restore the service.

2. resolved Feb 24, 2026, 05:10 AM UTC

   This incident has been resolved.

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Started Feb 20, 2026, 06:36 PM UTC· resolved Feb 20, 2026, 07:13 PM UTC

1. investigating Feb 20, 2026, 06:36 PM UTC

   Requests to TransUnion from Xactus are returning error responses. We are working with TransUnion to investigate the issue.

2. monitoring Feb 20, 2026, 06:47 PM UTC

   Requests are beginning to return successful responses from TransUnion. We will continue to monitor responses from requests to TransUnion.

3. resolved Feb 20, 2026, 07:13 PM UTC

   This incident has been resolved.

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Started Jan 29, 2026, 01:34 PM UTC· resolved Jan 29, 2026, 05:14 PM UTC

1. identified Jan 29, 2026, 01:34 PM UTC

   VOE and VOI orders from Thomas & Company are returning error responses. We have identified the issue and are working to resolve it.

2. resolved Jan 29, 2026, 05:14 PM UTC

   The incident has been resolved. VOE/VOI requests to Thomas & Company are functioning as intended.

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Started Jan 22, 2026, 10:23 PM UTC· resolved Jan 23, 2026, 12:42 PM UTC

1. identified Jan 22, 2026, 10:23 PM UTC

   Xactus is experiencing degraded functionality with email communications due to a Microsoft outage affecting all of North America. Microsoft is actively working to restore service.

2. identified Jan 23, 2026, 02:17 AM UTC

   Due to the Microsoft 365 outage affecting multiple Business/Enterprise clients in multiple global regions, email messages to and from Xactus are delayed. Full text of the outage report from https://status.cloud.microsoft/ follows below ================================================================= User impact: Users may be seeing degraded service functionality or be unable to access multiple Microsoft 365 services. More info: Some of the impacted service functions include, but may not be limited to: - Sending and receiving email through Exchange Online, including notification email from Microsoft Viva Engage as well as subscription email for Microsoft Fabric users. Users may be receiving a "451 4.3.2 temporary server issue" error message when attempting to send or receive email through Outlook. - Collecting message traces in Exchange Online. - Searching within SharePoint Online, Microsoft OneDrive, and/or Microsoft Teams. - Accessing the service portals, including Microsoft Purview, Microsoft Defender XDR, and the Microsoft 365 admin center. - Creating chats, meetings, teams, channels or adding members in Microsoft Teams. Additionally, some users may be intermittently unable to create breakout rooms or Microsoft Teams live events. - Receiving presence or location information in Microsoft Teams. - Existing or new meeting options for Facilitator in Teams may not be honored. - Applying and managing sensitivity labels, interactive operations on reports, and artifacts with sensitivity labels in Microsoft Fabric. - Print registration and printer jobs may fail in Universal Print. -Microsoft ToDo users may experience synchronization issues, which can prevent tasks from updating across devices. Additionally, tasks created in Shared Lists may not appear for collaborators. Current status: We’re refining our load balancing efforts to optimize performance and reduce potential impact. In parallel, we’re assessing alternative solutions to reinforce recovery and enhance long term stability. Scope of impact: Any users served through an affected section of service infrastructure in the North America region may be intermittently impacted. This could affect users located in Asia-Pacific, Europe, or Latin America. Root cause: A portion of dependent service infrastructure in the North America region isn't processing traffic as expected.

3. resolved Jan 23, 2026, 12:42 PM UTC

   This incident has been resolved.

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Started Jan 12, 2026, 02:43 PM UTC· resolved Jan 12, 2026, 05:10 PM UTC

1. investigating Jan 12, 2026, 02:43 PM UTC

   We have observed verification requests for The Work Number (TWN) at Equifax are returning error messages. We are engaging with Equifax support to troubleshoot the issue.

2. identified Jan 12, 2026, 03:28 PM UTC

   The issue has been identified and a fix is being implemented.

3. resolved Jan 12, 2026, 05:10 PM UTC

   A fix has been deployed and the errors are no longer observed.

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Started Dec 01, 2025, 02:00 PM UTC· resolved Dec 16, 2025, 05:51 PM UTC

1. investigating Dec 01, 2025, 02:00 PM UTC

   We have observed an elevated error rate with Experian Precise ID. Our team has reached out to Experian support and they are investigating. We are continuing to monitor the behavior.

2. investigating Dec 01, 2025, 05:34 PM UTC

   Experian continues to investigate the issue. Though we are still experiencing elevated error response rates, we are seeing repulls returned successfully.

3. investigating Dec 02, 2025, 08:53 PM UTC

   The scope of this incident has expanded to include Experian credit pulls in addition to errors with Precise ID requests. We continue to remain engaged with Experian support for updates as they have acknowledged a technical issue in their systems.

4. investigating Dec 02, 2025, 10:55 PM UTC

   Experian credit pulls are back to operating without errors. Precise ID are still generating errors in some cases. We will remain in contact with Experian Precise ID support to track complete resolution.

5. identified Dec 03, 2025, 08:48 PM UTC

   Experian has identified the issue. We are working with Experian to correct it.

6. resolved Dec 16, 2025, 05:51 PM UTC

   This incident has been resolved.

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Started Nov 21, 2025, 08:48 PM UTC· resolved Nov 22, 2025, 12:51 AM UTC

1. investigating Nov 21, 2025, 08:48 PM UTC

   We have observed an increase in error rates for credit pulls through Equifax. Xactus staff is engaging Equifax support for assistance.

2. identified Nov 21, 2025, 10:20 PM UTC

   Equifax has identified the issue and is working to implement a fix.

3. identified Nov 21, 2025, 10:25 PM UTC

   Equifax has identified the issue. The impact is limited to soft pull requests. Equifax is implementing a fix.

4. resolved Nov 22, 2025, 12:51 AM UTC

   This incident has been resolved.

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Started Nov 14, 2025, 05:49 PM UTC· resolved Nov 26, 2025, 03:38 PM UTC

1. identified Nov 14, 2025, 05:49 PM UTC

   TransUnion as notified us that Pre/Post Close Mortgage Notifications (PCMN) related to Undisclosed Debt monitoring (UDx) are currently experiencing delays. We will continue to monitor the situation.

2. resolved Nov 26, 2025, 03:38 PM UTC

   This incident has been resolved.

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Started Nov 13, 2025, 12:59 PM UTC· resolved Nov 13, 2025, 05:28 PM UTC

1. identified Nov 13, 2025, 12:59 PM UTC

   We have observed an elevated error rate with Experian PreciseID. Our team has reached out to Experian support and confirmed that they are experiencing technical difficulties. We are continuing to monitor the behavior.

2. monitoring Nov 13, 2025, 02:07 PM UTC

   PreciseID requests are beginning to return successfully now. Our team will attempt to re-pull failed queries and monitor for continued stability.

3. resolved Nov 13, 2025, 05:28 PM UTC

   This incident has been resolved.

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Started Nov 11, 2025, 04:29 PM UTC· resolved Nov 21, 2025, 09:50 PM UTC

1. investigating Nov 11, 2025, 04:29 PM UTC

   We have observed that some orders recently placed for tax transcripts through TTx may either have incomplete data and new orders may be delayed. Our staff is engaged with IRS personnel to diagnose and resolve the issue.

2. identified Nov 11, 2025, 05:23 PM UTC

   We have observed that some orders recently placed for tax transcripts through TTx may either have incomplete data and new orders may be delayed. IRS is closed today in observance of the public holiday. In the interim we are holding the transcripts so that we can evaluate the root cause and deploy a fix.

3. identified Nov 12, 2025, 06:07 PM UTC

   We have observed that some orders recently placed for tax transcripts through TTx may either have incomplete data and new orders may be delayed. Xactus staff remains in contact with IRS support personnel to troubleshoot and resolve the cause. In the interim, transcript downloads are still disabled.

4. identified Nov 17, 2025, 07:06 PM UTC

   We are continuing to engage with the IRS to determine the possible cause for the TTx transcript errors error and implement a fix. Transcript downloads remain disabled.

5. identified Nov 18, 2025, 09:24 PM UTC

   A fix has been identified and is in the process of being deployed. Please note - Any 1040/1120/1065 forms ordered during the outage window will print with a blank Xactus-generated Summary page. This does not affect order completion but is a side-effect of the backlog process/reading HTML5 responses from the IRS. **This will not affect new orders going forward.**

6. resolved Nov 21, 2025, 09:50 PM UTC

   Tax transcript orders are now processing successfully. Transcript orders placed during the outage have been reprocessed.

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Started Nov 08, 2025, 12:04 AM UTC· resolved Nov 08, 2025, 01:45 AM UTC

1. investigating Nov 08, 2025, 12:04 AM UTC

   We are investigating an observed increase in latency when performing searches in the web interface.

2. resolved Nov 08, 2025, 01:45 AM UTC

   This incident has been resolved.

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Started Nov 03, 2025, 04:23 PM UTC· resolved Nov 03, 2025, 08:23 PM UTC

1. investigating Nov 03, 2025, 04:23 PM UTC

   Experian is experiencing technical difficulties with some services. Due to this, Xactus is experiencing degraded performance with Precise ID. We are in communication with Experian in order to resolve this.

2. monitoring Nov 03, 2025, 06:02 PM UTC

   Experian Precise ID requests are beginning to be successful. We are continuing to monitor Experian services.

3. resolved Nov 03, 2025, 08:23 PM UTC

   We are no longer seeing errors with Precise ID. Xactus is re-submitting any Precise ID requests that failed during this incident.

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Started Oct 29, 2025, 09:02 PM UTC· resolved Oct 29, 2025, 10:08 PM UTC

1. investigating Oct 29, 2025, 09:02 PM UTC

   Experian is experiencing technical difficulties with some services. Due to this, Xactus is experiencing degraded performance with Credit pulls and Precise ID. We are in communication with Experian in order to resolve this.

2. monitoring Oct 29, 2025, 09:24 PM UTC

   Experian credit requests and Precise ID are beginning to be successful. We are continuing to monitor Experian services.

3. resolved Oct 29, 2025, 10:08 PM UTC

   We are no longer seeing errors with Precise ID or credit pulls. Xactus is re-submitting any requests that failed during this incident.

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Started Oct 20, 2025, 03:04 PM UTC· resolved Oct 21, 2025, 02:32 AM UTC

1. identified Oct 20, 2025, 03:04 PM UTC

   We are observing elevated rates of credit pull failures related to Experian. We have reached out to Experian support and they acknowledged ongoing technical difficulties.

2. identified Oct 20, 2025, 06:01 PM UTC

   We are continuing to see elevated error rates with credit pulls from Experian. We will continue to monitor the situation.

3. monitoring Oct 20, 2025, 06:54 PM UTC

   Error rates for credit pulls from Experian have returned to normal levels. We will continue to monitor for stability.

4. identified Oct 20, 2025, 07:21 PM UTC

   Although the error rates on Experian credit pulls are greatly reduced, we are still seeing a steady but elevated rate of failure. We will continue to engage with Experian support for status updates.

5. resolved Oct 21, 2025, 02:32 AM UTC

   This incident has been resolved.

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Started Oct 08, 2025, 08:24 PM UTC· resolved Oct 08, 2025, 11:33 PM UTC

1. investigating Oct 08, 2025, 08:24 PM UTC

   We have observed increased latency and failures related to Fraud Report X. Some reports may experience delays or may be marked as failed. Xactus staff is engaged to investigate and resolve this issue.

2. monitoring Oct 08, 2025, 09:27 PM UTC

   Latency and error rates have returned to normal levels. We remain in contact with our supplier-partners to identify the cause as we monitor for stability. Clients can repull affected reports to produce a standalone order.

3. resolved Oct 08, 2025, 11:33 PM UTC

   This incident has been resolved.

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Started Oct 08, 2025, 07:35 PM UTC· resolved Oct 08, 2025, 08:45 PM UTC

1. identified Oct 08, 2025, 07:35 PM UTC

   We have observed an increase in error rates for credit pulls through Equifax. Xactus staff is engaging Equifax support for assistance.

2. monitoring Oct 08, 2025, 08:04 PM UTC

   The error rate has returned to normal levels for Equifax pulls. We are monitoring closely, and we remain in contact with Equifax support.

3. resolved Oct 08, 2025, 08:45 PM UTC

   This incident has been resolved.

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Started Oct 01, 2025, 03:46 PM UTC· resolved Nov 14, 2025, 09:41 PM UTC

1. monitoring Oct 01, 2025, 03:46 PM UTC

   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.

2. resolved Nov 14, 2025, 09:41 PM UTC

   The government is now open, and normal operations have resumed. Please note: We will continue to monitor and communicate any ongoing turn time delays for specific products either within Xactus360 or via email.

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Started Sep 29, 2025, 03:36 PM UTC· resolved Sep 29, 2025, 07:07 PM UTC

1. investigating Sep 29, 2025, 03:36 PM UTC

   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.

2. investigating Sep 29, 2025, 05:07 PM UTC

   Experian confirmed their services are experiencing degradation and Experian is investigating the cause.

3. monitoring Sep 29, 2025, 05:57 PM UTC

   Experian latency and error rate have returned to normal. We are continuing to monitor the situation.

4. resolved Sep 29, 2025, 07:07 PM UTC

   This incident has been resolved. Requests to Experian that received an error response during the incident window have been resubmitted by Xactus.

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Started Sep 25, 2025, 11:12 PM UTC· resolved Sep 26, 2025, 02:30 PM UTC

1. investigating Sep 25, 2025, 11:12 PM UTC

   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.

2. identified Sep 26, 2025, 12:02 AM UTC

   Our staff has identified the cause of the issue and are working on deploying a fix. Workaround remains the same as previously announced.

3. identified Sep 26, 2025, 03:35 AM UTC

   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.

4. monitoring Sep 26, 2025, 01:22 PM UTC

   A fix has been implemented and we are monitoring the results.

5. resolved Sep 26, 2025, 02:30 PM UTC

   This incident has been resolved.

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Started Sep 10, 2025, 04:39 PM UTC· resolved Sep 10, 2025, 07:32 PM UTC

1. identified Sep 10, 2025, 04:39 PM UTC

   We received notice from Equifax that Undisclosed Debt Monitoring Output files for today Wednesday Sept 10, 2025 were disrupted and are expected to be delayed. We will relay updates on the situation as they become available.

2. resolved Sep 10, 2025, 07:32 PM UTC

   Equifax support has informed us that the Undisclosed Debt Monitoring Output files for today September 10, 2025 have been delivered.

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Started Aug 29, 2025, 02:43 PM UTC· resolved Aug 29, 2025, 06:57 PM UTC

1. identified Aug 29, 2025, 02:43 PM UTC

   An issue preventing some UDx order submissions through Encompass has been identified. Orders placed directly in Xactus360 are unaffected. We are working to correct the issue.

2. monitoring Aug 29, 2025, 04:45 PM UTC

   A fix has been implemented and we are monitoring the results. UDx orders that failed to submit or received an error response can be re-submitted.

3. resolved Aug 29, 2025, 06:57 PM UTC

   This incident has been resolved.

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