Lovelady

NOT FOR PUBLICATION FILED

UNITED STATES COURT OF APPEALS MAR 6 2026

MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS

FOR THE NINTH CIRCUIT

CRYSTAL LOVELADY, No. 25-2720 D.C. No. Plaintiff - Appellant, 4:23-cv-00136-AMM v. MEMORANDUM*

EXPERIAN INFORMATION

SOLUTIONS, INC.,

Defendant - Appellee.

Appeal from the United States District Court for the District of Arizona Angela M. Martinez, District Judge, Presiding

Submitted March 4, 2026** Phoenix, Arizona

Before: HAWKINS, BYBEE, and FRIEDLAND, Circuit Judges.

Plaintiff Crystal Lovelady sued Experian Information Solutions, Inc.

(“Experian”), alleging violations of the Fair Credit Reporting Act. She claims that

Experian failed to follow reasonable procedures to ensure the accuracy of her

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3. ** The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R. App. P. 34(a)(2). consumer report as required by 15 U.S.C. § 1681e(b). She further…