Carmen Johnson operated CJ Lending as a so-called credit-repair business. Real estate agent Edgar Tibakweitira paid Johnson to fabricate credit histories for certain individuals who had no such histories. Johnson submitted the data to credit-reporting agencies. Lenders relied on the false information to approve mortgage loans.

Johnson and Tibakweitira used the identities of the individuals to purchase real property. They then shared in the proceeds of the loans disbursed at the closings. When the

“buyers” did not pay the loans, the properties went into foreclosure. The U.S. Secret Service uncovered the scheme.

Johnson was indicted for making false statements on loan applications. In addition, what made Johnson’s actions unethical? Why?