Chris and Sandra paid off their mortgage to Chase Home Finance in 2001. Instead of reporting the account to the credit reporting agencies as paid in full, Chase began reporting it as a collection account. Later, the collection remark was deleted, but the account continued to be reported as an I-9 account (the worst possible rating). They provided documentation to the credit bureaus and to Chase, including letters from Chase agreeing that there had been an error, but Chase would not correct how the account was being reported.

The consumer attorneys of Baxter & Baxter, LLP brought a case in United States District Court under the Fair Credit Reporting Act. The case was resolved in a confidential settlement with Chase.

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