Sepulvado v. CSC Credit Services, Inc.

DeMOSS, Circuit Judge:

CSC Credit Services, Inc. (CSC) appeals from judgment entered in favor of plaintiffs Sheree and Edward Sepulvado, after a bench trial, in this matter brought pursuant to the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 — 1681(t). We reverse, and render judgment in favor of the defendant, CSC.

BACKGROUND

The Sepulvados’ claim that an erroneous credit item on a report prepared by CSC caused Texas Homestead Mortgage Company (Texas Homestead) to deny them a mortgage for the purchase- of a new home. The material facts relating to the parties’ conduct are essentially undisputed.

I…