Lawsuit claims Xactus, Equifax violated Fair Credit Reporting Act

Xactus moved to have the suit transferred to federal court in Riverside, California, on Monday. 

The suit claims that the defendants attempted to  “unlawfully and abusively collect an invalid debt from Plaintiff and for inaccurately reporting information to the Credit Reporting Agencies.”

According to the complaint, in September 2020, Guo suspected that someone was trying to open credit accounts in her name without her consent. This belief was confirmed in August 2022 when she received a bill for nearly $1,800 from AT&T for the purchase of a cell phone.

Guo said she knew nothing of this purchase and did not consent to it. This prompted her to review her credit reports, in which she said she noticed “other unauthorized credit inquiries and other unauthorized credit…