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That is the EXACT question that I would pose to the guy who did the report. He may say: Sure mate it is fine. I see this all over this suburb, it is not a worry....... Or he may say: Oh mate, it is not the worst I've seen but there are plenty in better condition. This is only going to get...

I see the following a lot in building reports: Since your cracks are < 3mm, I would monitor them but I would not be overly concerned. Sounds like settlement cracks in the filled area, reactive soils, drought, then rain & some compaction. Probably not a lot to worry about IMO.