In Vaca v. Wachovia Mortgage Corp. (2011) 198 Cal.App.4th 737, the plaintiff mother (acting on behalf of her minor children) sued the defendant lenders in 2009. (Vaca, supra, 198 Cal.App.4th at p. 740.) Her estranged husband had created false credit histories for their children and obtained fraudulent mortgages from the defendant lenders in the children's names to purchase houses in 2000 and 2001. (Id. at pp. 740-741.) In 2005, the plaintiff had successfully sued the husband and his mother for the fraudulent transactions. (Id. at p. 741.) In the 2009 action, the trial court found the plaintiff's claims against the defendant lenders were time-barred. (Id. at p. 743.) The Court affirmed (id. at p. 747) because the plaintiff had not alleged the defendant lenders did "anything wrong after making the fraudulent mortgage loans in 2000 and 2001." (Id. at pp. 744-745.)