Xactus filed to transfer a lawsuit to federal court in Riverside, California, concerning claims against defendants over alleged unlawful debt collection and inaccurate credit reporting. The plaintiff, Guo, suspected unauthorized credit account openings in September 2020, confirmed by an AT&T bill in August 2022 for a purchase she did not authorize. Upon reviewing her credit reports, Guo discovered multiple unauthorized inquiries and transactions, including a balance owed to AAA for insurance she never had. Efforts to dispute these inaccuracies with various agencies have been unproductive, leading to potential damages for Guo including lost credit and attorney fees.
Guo's complaint alleges that the defendants unlawfully attempted to collect an invalid debt and inaccurately reported information to credit agencies, impacting her credit.
After receiving a bill from AT&T for a cell phone purchase she did not authorize, Guo began noticing fraudulent items and unauthorized inquiries on her credit reports.
Collection
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