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STOVER v. EXPERIAN HOLDINGS, INC.

No. 19-55204.

978 F.3d 1082 (2020)

Rachel STOVER, on behalf of herself and others similarly situated, Plaintiff-Appellant, v. EXPERIAN HOLDINGS, INC.; Experian Information Solutions, Inc.; ConsumerInfo.com, Inc., DBA Experian Services, Defendants-Appellees.

United States Court of Appeals, Ninth Circuit.

Filed October 21, 2020.

Attorney(s) appearing for the Case

Joseph C. Bourne (argued) and Melissa S. Weiner , Pearson Simon & Warshaw LLP, Minneapolis, Minnesota; Sue J. Nam and Michael R. Reese , Reese LLP, New York, New York; George V. Granade , Reese LLP, Los Angeles, California; Matthew D. Schultz , Levin Papantonio , Thomas, Mitchell, Rafferty & Proctor P.A., Pensacola, Florida; for Plaintiff-Appellant.

Meir Feder (argued), Jones Day, New York, New York; Richard Grabowski and Edward Chang , Jones Day, Irvine, California; for Defendants-Appellees.

Before: MILAN D. SMITH, JR. and JOHN B. OWENS, Circuit Judges, and KATHLEEN CARDONE, District Judge.

OPINION

Rachel Stover appeals the district court's order compelling arbitration of her claims based on her purchase of the Experian Credit Score subscription service in 2014. Two versions of the Experian terms of use are at issue here: the version to which Stover expressly agreed in 2014, and the 2018 version,...

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