If you have 2 xfactors in your lineup and try to add a 3rd x factor and get a message saying "xfactor limit exceeds 3" you can:
A) generate a new lineup from scratch which is a pain in the neck.
Or
B) activate the 3rd xfactor during halftime adjustments and it fixes the error in the lineup screen when you leave the game.
Hope this helps anyone having the same problem i was having.