MEMORANDUM**

Plaintiffs appeal from the district court’s grant of summary judgment. The district court ruled that under the Fair Credit Reporting Act “the entity contracting with *626the policyholder is the only statutory ‘taker’ of adverse action” in cases in which it is alleged that an increased charge is contained in a policy of insurance. It also held that “internal decisions” that lead to an increase cannot constitute adverse actions. In light of Edo v. GEICO Casualty Co., — F.3d-, No. 04-35279, 2005 WL 2416126 (9th Cir. 2005), we reverse and remand for proceedings consistent with that opinion.

REVERSED AND REMANDED