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
from
the
lawsuit
in
September
2025,
after
receiving
a
favorable
ruling
on
its
motion
to
dismiss.
Citibank
and
the
Automobile
Club
of
Southern
California
were
also
dismissed
from
the
lawsuit,
however
they
were
brought
back
in
after
being
named
as
defendants
in
Guo’s
second
amended
complaint
filed
in
mid-November
2025.
Xactus
was
not
named
in
the
amended
complaint.

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.