"In the second amended complaint, Guo claims that after she was the victim of identity theft, the financial institution and credit bureau defendants continued to report and attempt to collect fraudulent debts after she provided proof of the fraud. In doing such she alleges that they violated federal and California consumer protection laws by failing to properly investigate and correct her credit reports."
"As a result of this, Guo claims that her credit score was damaged causing her to have to pay higher costs for credit. Specifically in regard to Equifax, Guo alleged that the company failed to conduct a reasonable investigation into the dispute she lodged and in doing acted negligently and willfully damaging her creditworthiness. The remaining defendants in the lawsuit have all filed motions to dismiss the second amended complaint. These motions are currently being considered by the court."
The lawsuit initially named Equifax, Automobile Club of Southern California, American First Credit Union, Adler Wallach & Associates, Citibank, Wells Fargo Bank, Xactus and Bridgecrest Acceptance Corp. as defendants. Xactus was dismissed in September 2025 after a favorable ruling on its motion to dismiss. Citibank and the Automobile Club were dismissed but were re-added in a second amended complaint filed in mid-November 2025; Xactus was not included in that amendment. Guo claims that after identity theft the financial institution and credit bureau defendants continued reporting and collecting fraudulent debts despite proof. Guo alleges violations of federal and California consumer protection laws, asserting credit-score damage and higher borrowing costs. Remaining defendants have filed motions to dismiss that complaint, pending court consideration.
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