Legal Case claims Xactus, Equifax has violated Fair Credit Reporting Act
Xactus moved on Monday to transfer the lawsuit to the federal court in Riverside, California.
The lawsuit claims that the defendants have tried to collect “illegal and abuse an invalid debt from the plaintiff and for the inaccurate reporting of information to the credit reporting agencies.”
According to the complaint, Guo suspected in September 2020 that someone was trying to open credit accounts in her name without her permission. This conviction was confirmed in August 2022 when she received an account for nearly $ 1,800 of AT&T For the purchase of a mobile phone.
Guo said she knew nothing about this purchase and did not agree. This led her to revise her credit reports, in which she said that she noticed “other unauthorized credit questions and other unauthorized credit transactions.”
In 2023 she saw other fraudulent items on her credit report, including a delinquent trading line with a ‘balance of $ 1,011.00 that reportedly owed the Car -California Club (“AAA”) collected by debt collector Adler Wallach & Associates for insurance services. “Guo said she had no car insurance at all relevant times via AAA.
This led Guo to send a first letter of dispute to American First Credit Union to dispute one ‘Unauthorized hard application of 24 March 2023 about her Experiential Credit report. “Guo sent similar requests to Bridgecrest, Citibank, Equifax, Wells Fargo and Xactus, who would have all told her that they could not remove the unauthorized questions from her credit report.
“To date, the inaccurate credit report of the defendants and each of them remains in the plaintiff’s claimant,” said the complaint. “By taking into account the takeover information after notification and confirmation of the errors, the defendants, and each of them, have not taken appropriate measures as required by 15 USC § 1681S-2 (B) (1) (D); and, (e).”
Guo claims that she has suffered as a result of these actions that she has suffered actual damage, including ‘lawyers’ fees, loss of credit, loss of ability to buy and benefit from credit, [and] Higher costs for credit. “
Guo demands a jury court and asks the court for compensation. The defendants did not respond immediately HousingThe requests for comments.
