{"attribution":{"source":"legal.exploreworldai.com","canonical":"https://legal.exploreworldai.com/api/public/v1/obj/decision/us:ca9-24-6413-2026-09-22","cite_as":"NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/decision/us:ca9-24-6413-2026-09-22)","license":"https://legal.exploreworldai.com/revision","version":"legal-2026-11-03","fingerprint":"ewai:se:b17b21","proof":"sha256:312fefde882b8a9b524ec7a9e127fc50de9a4f2f97bb37920f6bf31d587726a9","jurisdiction":"se","lang":"en","publisher":"NovaCopilot by ExploreWorld Legal","terms":"https://legal.exploreworldai.com/om"},"brand_source":"Source: 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hold that CenturyLink was entitled to a Safeco defense and reverse the judgment.","conditions":[],"exceptions":[],"elements":[],"open":["Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.","Inga rekvisit ur lexikonet kunde knytas till regeln."]},{"decision_id":"decision:us:ca9-24-6413-2026-09-22#2","precedent_id":"precedent:us:ca9-24-6413-2026-09-22#2","paragraph_id":"para_324","outcome":"permits","then":"ANALYSIS FCRA permits a “person”-including a corporation such as CenturyLink-to obtain a credit report from a consumer reporting agency, we do not address its other arguments such as whether the punitive damages award was excessive.","conditions":[{"text":"if that person has a “legitimate business 1 Because we conclude that CenturyLink is entitled to judgment as a matter of law","elements":[]}],"exceptions":[],"elements":["element:ccpa:consumer"],"open":[]},{"decision_id":"decision:us:ca9-24-6413-2026-09-22#3","precedent_id":"precedent:us:ca9-24-6413-2026-09-22#3","paragraph_id":"para_377","outcome":"holding","then":"Reviewing these factors, we conclude that CenturyLink did not act in “reckless disregard of statutory duty.","conditions":[],"exceptions":[],"elements":[],"open":["Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.","Inga rekvisit ur lexikonet kunde knytas till regeln."]},{"decision_id":"decision:us:ca9-24-6413-2026-09-22#4","precedent_id":"precedent:us:ca9-24-6413-2026-09-22#4","paragraph_id":"para_420","outcome":"holding","then":"Because the term “initiated” lacks definition in the statute and bears a range of possible reasonable meanings, we conclude that CenturyLink’s reading has foundation in the statute.","conditions":[],"exceptions":[],"elements":[],"open":["Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.","Inga rekvisit ur lexikonet kunde knytas till regeln."]},{"decision_id":"decision:us:ca9-24-6413-2026-09-22#5","precedent_id":"precedent:us:ca9-24-6413-2026-09-22#5","paragraph_id":"para_613","outcome":"holding","then":"Instead, we hold that, even, its summary of the Coffey Letter is not sufficiently specific to CenturyLink’s online process to have warned the company that its statutory interpretation was incorrect.","conditions":[{"text":"if it were","elements":[]}],"exceptions":[],"elements":[],"open":["Inga rekvisit ur lexikonet kunde knytas till regeln."]},{"decision_id":"decision:us:ca9-24-6413-2026-09-22#6","precedent_id":"precedent:us:ca9-24-6413-2026-09-22#6","paragraph_id":"para_652","outcome":"permits","then":"But in this case, we hold that, as a matter of law, CenturyLink was entitled to judgment on its Safeco defense.","conditions":[],"exceptions":[],"elements":[],"open":["Inga uttryckliga villkor i rättsregeln; regeln gäller i den 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