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Ashley R Clem from Florence, KY

Age 57 b. 7/2/1968
📍 24 Deer Haven Ct, #florence, KY 41042-3681
✉️ nikita14322@aol.com, imalilg08@yahoo.com, wisdom143@hotmail.com
👨‍👩‍👧 Relatives: Charles Clem,Alexis Bishop,Lori Clem,Lori Michelle Kyle,Patricia Ann Stigall,Robert J Kyle,Robert J Kyle,Vivian L Kyle,Whitney L Kyle,Amy Clem,Barbara K Lamping,Brandon M Clem,Don Clem,Elizabeth A Lee,Freda T Clem,James E Clem Jr,Kelly Rae Russell,Lynn Kyle Whitney,Mark S Stigall,Michael D Stigall,Paul Robert Lee,Rick A Clem Jr,Robert W Kyle,Roy L Bishop 3rd,Sharon Lee Peters,Tabbie L Mersch,Vivian L Kyle,Whitney L Kyle,Anthony E Peters,Bruce E Schroer,Carol S Clem,Clinton D Klein,Daniele E Schroer,Debra Ann Schroer,Donald E Klein,Donald H Klein,James E Russell,Jeffrey T Schroer Sr,Jeffrey T Schroer Jr,Joan C Schroer,Kim R Perry,Kimberly S Russell,Lacy S Clem,Laura Jo Clem,Melissa Waiman Hicks,Nickalos C Klein,Raquel L Schroer,Rick A Clem Sr,Sherry L Schroer
🕐 14 previous addresses

Ashley William Clem from Gig Harbor, WA

Age 42 b. 3/13/1984
📍 4425 Harbor Country Dr, Apt R136, #gig Harbor, WA 98335-1866
✉️ emorris@morris-clan.com, hdrus@worldnet.att.net
👨‍👩‍👧 Relatives: Diana Marie Morris,Diane M Morris,Elaine O Clem,Frank D Clem,Jeremiah D Morris,Jeremiah D Morris,Jonathan D Clem,Matthew C Morris,Misty A Scott,Shelly Morris,V Morris,B W Morris,Bernard William Morris,Bonnie Morris,Christina A Clem,Donna J Morris,Douglas E Clem,Evonne L Morris,Frank A Morris Sr,Fred C Scott,Gloria K Scott,Howard J Scott,Leonard N Scott Sr,Mercedes A Clem,Michael S Morris,Michael A Morris,Reghan M Crow,Robert G Scott,Ruth L Morris,Ruth T Scott,Sharon L Morris,Tammy Marie Morris,Teresa A Cluff,Thad H Scott,Tori Scott,William F Morris 4th,William Morris,William F Morris,Carla M Vasquez,Carmen A Vasquez,Carrie Toinette Figueroa,Charley L Vasquez,Fred C Scott,Madleon R Vasquez,Matthew Harris Davis,Michael D Morris,Wayne R Morris
🕐 13 previous addresses

Ashley Clem from Athens, AL

Age 54
📍 516 Jefferson St, Athens, AL 35611
📞 (256) 340-9369
✉️ athenssupply@bellsouth.net, athenssupply@yahoo.com
👨‍👩‍👧 Relatives: David R Clem,Ada Bee Clem,Kellie Susan Flanigan,Carol A Hutton,Carol A Clem

Ashley Nicole Clem from Elkmont, AL

Age 34 b. 5/3/1991
📍 27210 Bethel Rd, #elkmont, AL 35620-3150
👨‍👩‍👧 Relatives: David Clem,David Bradley Clem,Heather R Clem,Samuel L Clem,Scotty D Stutts,Shelia Delores Dr Stutts,Ada Bee Clem,Ashley Kent Clem,Brandon B Clem,Brenda F Heard,Brittany Lynn Stutts,Curtis S Clem,Danny L Clem,Danny Lee Clem,Danny Wayne Stutts,David R Clem,Deborah C Knapper,George W Stutts,Karon M Stutts,Kaythren Joyce Stutts,Kaythren Joyce Stutts,Kaythren J Stutts,Larry Ne Stutts,Leala N Wright,Marvin B Stutts,Sheila Gail Stutts,Alfred F Coffman Jr,Amanda L Stutts,Belinda A Coffman,Belinda Ann Kyle,Carol Ann Clem,David J Siniard,Frances O Cobb,Janice C Nash,Jerry W Heard,Jerry W Hutton,Kristie Lynn Stutts,Kristie Lynn Stutts,Michael G Smith,Rebecca K Mcgee,Robert Lee Clem,Robert J Knapper Jr,Sandra Gail Fraze,Sandra G Kimbrough,Sandra G Kimbrough,Sandra K Reynolds,Sheila Gail Stutts,Tammy A Mclean,Trent Moss,Wayford D Franks
🕐 5 previous addresses

Ashley Clem

📍 Po Box 383, Catlin Il
📞 (217) 427-5747, (217) 260-3636
✉️ ASMOOT81@SBCGLOBAL.NET

Ashley Clem

📍 406 W Vermilion, Catln Il 61817
📞 (217) 427-5747, (217) 260-3636
✉️ ASMOOT81@SBCGLOBAL.NET

Ashley Jo Clem from Catlin, IL

Age 44 b. 7/27/1981
📍 406 W Vermilion St, #catlin, IL 61817-9691
👨‍👩‍👧 Relatives: John C Clem,Carrie Nicole Burton,Teresa J Smoot,Angela Marie Clem,Brian L Clem,Carrie C Burton,Carrie Burton,Chris Alan Clem,Phyllis Ann Clem,R Burton,R Burton,R Burton,R Burton,Roxie L Burton,Ryan Burton,Ryan B Burton,William Colby Burton,Amanda Clem,Angela Czerwinski,Angela M Czerwinski,Angela Di Meo,Anthony J Paige Sr,Bradley S Becker Jr,Carla J Salerno,Charles J Salerno,Chester C Czerwinski,Chester C Czerwinski,Christopher Daniel Riegger,David Clem Franklin,Dawn M Johnson,Diane A Czerwinski,Edward Jon Czerwinski,Glenda L Clem,Grant B Burton,Izella C Czerwinski,Jerry S Becker,John Di Meo,John J Dimeo,Joseph Clem,Julie A Salerno,Laura Adi Dimeo,Linda S Totty,Lisa M Czerwinski,Marie Lynn Czerwinski,Steven C Czerwinski,Terrence L Czerwinski,Theresa L Rossman,William Colby Burton
🕐 6 previous addresses

Ashley Clem from Tyler, TX

Age 45 b. Feb 1981 Smith Co.
📍 820 Mcclenny Dr
📞 (903) 561-6304

Ashley Clem from Winchester, KY

📍 1116 Dale Dr
📞 (859) 991-6702 (SPRINT)
✉️ ASHLEY.CLEM@HOTMAIL.COM

Ashley Clem from Tanner, AL

Age 66 b. Feb 1960 Limestone Co.
📍 10420 Us Hwy 31
📞 (609) 345-3030

Ashley Clem from Weston, WV

Age 36 b. Jul 1989
📍 868 Winter Ave
📞 (304) 476-6816
👤 aka Ashley Marie Heater, Ashley Marie Metz, Ash Metz

Ashley Clem from Fairdale, KY

Age 50 b. Mar 1976 Jefferson Co.
📍 10900 Jefferson Hill Rd
📞 (502) 635-8763

Ashley Clem from Edmond, OK

Age 35 b. Jun 1990
📍 616 Banner Ave
📞 (405) 696-5995
👤 aka Ashley Thomas, Ashley N Clem

Ashley Clem from Louisville, KY

Age 44 b. 1982 Jefferson Co.
📍 349 Hillcrest Ave
📞 (502) 897-7132

Ashley Clem

📍 269 Le Beau Ln, Saint Charles Mo
📞 (314) 753-7541, (314) 753-7541
✉️ CLEM.ASHLEY@GMAIL.COM

Ashley Clem from Athens, AL

0000 Male
📍 509 Camelot Dr
📞 (256) 444-0328

Ashley Clem from West Palm Beach, FL

Age 57 b. Sep 1968 Palm Beach Co.
📍 2408 Avenue M

Ashley Clem from Athens, AL

Age 66 b. Feb 1960 Limestone Co.
📍 516 N Jefferson St

Ashley Clem from Louisville, KY

Age 50 b. Mar 1976 Jefferson Co.
📍 6813 Brooklawn Dr Apt 4

Ashley Clem from Athens, AL

Age 35 b. 1991 Female
📍 10045 Snake Rd
📞 (256) 426-2263 (Cell)

Ashley Clem from Amarillo, TX

📍 7812 Cervin Dr
📞 (806) 376-1990

Ashley Clem from Elsmere, KY

Kenton Co.
📍 182 Dell St Apt 4

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 23 contact records for Ashley Clem across 8 states. The most recent address on file is in Tyler, Texas. Of these records, 18 include phone numbers and 7 include email addresses. The listed age is 54. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Clem Ashley

Limestone County
PIN: 44-10-03-05-4-001-045.001
· 602 N Clinton; Athens, AL 35611
Lot: 12,503sqft

Clem Ashley

Limestone County
· 602 N Clinton; Athens, AL 35611, Athens

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Ashley Clem in Athens. Values shown are from county assessor records and may differ from current market prices.

Ashley Clem

Chatsworth, 30705
DOB: 1/1/1990 Gender: Female
Congress: 014

Ashley Jayanna Clem

305 Meadow Lake, Searcy, AR, 72143

Ashley N Clem

5512 12th Street Ct E, Bradenton, , 34203

Ashley Nicole Clem

County: St. Charles

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 4 voter registration records were found for Ashley Clem in Arkansas, . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2009 Cadillac CTS
· Registered to: Ashley Clem
· VIN: 1G6DF577690159329
·
2116 Cedar Pointe Cir, Edmond, OK, 73003-2431
·
(405) 816-7198
2005 Mercury Mariner
· Registered to: Ashley Clem
· VIN: 4M2YU57Z95DJ30748
·
Po Box 383, Catlin, IL, 61817

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Ashley Clem. Registered makes include Cadillac, Mercury. The most recent model year on record is 2009. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Ashley Clem

ashley@fiedlerbrothersplumbing.com.au
Kingaroy,

Essence Welding Supply

Owner
(256) 230-6200
Athens, AL
Wholesale Trade - Durable Goods (Products)

Athens Welding Supply

Owner
(256) 230-6200
Athens, AL
Wholesale Trade - Durable Goods (Products)

Ashley Clem

Senior Manager, Global Consolidations And Reporting
Asurion
Tennessee
LinkedIn

Ohiyo i-Cafe

Ashley Clem
(859) 991-6702ashley.clem@hotmail.com
1116 Dale Dr, Winchester, ky40391
ohiyoicafe.com

Ashley Clem

United States

Ohiyo i-Cafe

Ashley Clem
(859) 991-6702ashley.clem@hotmail.com
1116 Dale Dr, Winchester, ky40391

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 12 business affiliations were found for Ashley Clem. Companies include Essence Welding Supply, Athens Welding Supply, Ohiyo i-Cafe. Roles listed include Null and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Ashley Clem

Austin High School - Decatur, AL, AL
1980

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Ashley Clem has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

MP

Ashley N Clem

Age 30 Female
·
1621 Woodrun Pl, El Cajon, CA 92019 (San Diego County)
32.7492, -116.9240
TZ: Pacific
Single Family
MP

Ashley R Clem

Age 49 Female
·
24 Deer Haven Ct, Florence, KY 41042 (Boone County)
38.9493, -84.6250
TZ: Eastern
Edu: High School
Single Family
MP

Ashley N Clem

Age 30 Female
·
2806 S State St, Saint Joseph, MI 49085 (Berrien County)
42.0852, -86.4880
TZ: Eastern
Single Family
MP

Ashley Clem

Age 34 Female
·
1116 Dale Dr, Winchester, KY 40391 (Clark County)
38.0021, -84.2073
· (859) 991-6702
TZ: Eastern
Single Family
MP

Ashley M Clem

Age 28 Female
·
868 Winter Ave, Weston, WV 26452 (Lewis County)
39.0271, -80.4742
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Ashley D Clem

Age 29 Female
·
1018 Kane St, Fort Worth, TX 76126 (Tarrant County)
32.6750, -97.4552
· (817) 249-1799
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1980 Purchased 1986
MP

Ashley R Clem

Age 32 Female
·
14716 Pratt Ct, Omaha, NE 68116 (Douglas County)
41.2928, -96.1451
· (712) 252-2666
TZ: Central
Multi-Family
MP

Ashley D Clem

Age 28 Female
·
7032 Antler Ln, Harrison, TN 37341 (Hamilton County)
35.1125, -85.1192
· (423) 544-1641
Marital: Single TZ: Eastern
Homeowner Single Family Built 1984 Purchased 1996
MP

Ashley H Clem

Age 32 Female
·
5510 Underwood Cv, Arlington, TN 38002 (Shelby County)
35.2750, -89.6766
TZ: Central
Edu: High School
Homeowner Single Family Built 2006 Purchased 2009
MP

Ashley Clem

Female
·
914 N Eucalyptus Ave, Inglewood, CA 90302 (Los Angeles County)
33.9749, -118.3590
Marital: Married TZ: Pacific
Multi-Family
MP

Ashley N Clem

Age 32 Female
·
7812 Cervin Dr, Amarillo, TX 79121 (Randall County)
35.1812, -101.9320
· (806) 376-1990
Marital: Married TZ: Central
Homeowner Single Family Built 1978 Purchased 2013
MP

Ashley R Clem

Age 31 Female
·
3222 Davis Ave, Sioux City, IA 51106 (Woodbury County)
42.4731, -96.3671
· (712) 251-9728
Marital: Married TZ: Central
Occ: Management
Homeowner Single Family Built 1955
MP

Ashley K Clem

Age 57 Male
·
516 N Jefferson St, Athens, AL 35611 (Limestone County)
34.8088, -86.9717
Marital: Married TZ: Central
Homeowner Single Family Purchased 2001
MP

Ashley Clem

Male
·
1301 La Paloma St, Amarillo, TX 79106 (Potter County)
35.2015, -101.8970
TZ: Central
Single Family
MP

Ashley R Clem

Age 36 Female
·
820 McClenny Dr, Tyler, TX 75703 (Smith County)
32.2690, -95.2956
· (903) 561-6304
Marital: Married TZ: Central
Homeowner Single Family Built 1977 Purchased 2005
MP

Ashley R Clem

Age 23 Female
·
232 Dubuy Dr, Winchester, KY 40391 (Clark County)
37.9887, -84.2158
· (859) 737-9267
Marital: Single TZ: Eastern
Homeowner Single Family Purchased 2008
MP

Ashley Clem

Age 33 Female
·
183 Grosch Dr, Manchester, TN 37355 (Coffee County)
35.4672, -86.0412
Marital: Single TZ: Central
Homeowner Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 17 demographic profiles associated with Ashley Clem. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Note: PPP loans shown are for businesses with addresses associated with Ashley Clem. These loans were issued to businesses, not individuals.

Margi Montgomery

Sole Proprietorship

$15,895 Paid in Full
Address:
4425 Harbor Country Dr J61
Gig Harbor, WA98335-1701
Approved

May 1, 2021

Forgiven

$16,013

Jobs Reported

1

Loan #

6025828908

Loan Size

Small

J&n Management Company LLC

Corporation

$78,800 Paid in Full
Address:
317 Hyde Park Ave
Wentzville, MO63385
Approved

Apr 29, 2020

Forgiven

$79,653

Jobs Reported

20

Loan #

3788387306

Loan Size

Small

Crystal Thomas

Independent Contractors

$16,387 Paid in Full
Address:
24 Deer Haven Ct
Florence, KY41042-3681
Approved

Apr 22, 2021

Forgiven

$16,462

Jobs Reported

1

Loan #

8626868805

Loan Size

Small

The Body Massage Therapy

Sole Proprietorship

$11,785 Paid in Full
Address:
4425 Harbor Country Dr Apt J61
Gig Harbor, WA98335-1824
Approved

May 11, 2020

Forgiven

$11,900

Jobs Reported

1

Loan #

5086777408

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Ashley Clem. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Ashley Clem on the map

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Found 48 results across 14 states

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Ashley Clem in KY: Background Summary

Location
24 Deer Haven Ct Florence, KY 41042-3681
Other Locations
Tyler, TX · Winchester, KY · Tanner, AL and 8 more
Profiles Found
23 people with this name
Phone Numbers
(859) 496-8949 and 21 others on file
Email
nikita14322@aol.com and 9 others on file
Possible Relatives
Charles Clem, Alexis Bishop, Lori Clem, Lori Michelle Kyle, Patricia Ann Stigall and 178 more
Career
Null at Essence Welding Supply, Athens Welding Supply
Properties
2properties owned
Vehicles
2 linked — 2009 Cadillac Cts, 2005 Mercury Mariner
PPP Loans
$123K for Margi Montgomery, J&n Management Company LLC

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Ashley Clem. Because public records are indexed by name rather than by a unique identifier, the 66 results displayed here may include information belonging to multiple individuals who share the same name — a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value — in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available — some restrict access or redact certain fields such as date of birth or residential address — so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency — these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Ashley Clem

Search Complexity: High

66 public records across 14states, belonging to approximately 23 different individuals. With 23 distinct profiles across 14 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 14 states. Highest concentration: Alabama (18%), followed by Kentucky and Texas. Spans the South and Midwest regions.

AL12recordsKY11recordsTX7recordsIL3recordsTN3recordsCA2records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (50%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (12) and Voter Registration Records (4).

24
Contact & Address Records
12
Business & Corporate Filings
4
Voter Registration Records
4
PPP Loan Records
2
Property Ownership Records
2
Vehicle Registration Records

Age Distribution

Age range: approximately 31 years, suggesting multiple generations. Largest group: Senior (65+) (10%).

Senior (65+)1personMiddle-Age (40-64)6peopleYounger Adult (25-39)3people

Use the age information shown on individual record cards to help identify the correct person.

Frequently Asked Questions About Ashley Clem

Is Ashley Clem a registered voter?
Yes, voter registration records show Ashley Clem is registered. We found 4 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Ashley Clem own property?
County assessor records show 2 properties associated with Ashley Clem . Assessed values are determined by county tax assessors and may differ from market value. These records are sourced from county recorder and assessor offices.
What vehicles are registered to Ashley Clem?
Records show 2 vehicle registrations associated with Ashley Clem, including a 2009 Cadillac CTS. Registered makes include Cadillac, Mercury. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Ashley Clem?
We found 12 business affiliations for Ashley Clem (null). Other companies include Athens Welding Supply, Ohiyo i-Cafe. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Ashley Clem?
Our database contains 66 total records for Ashley Clem spanning 14 states. This includes 23 distinct contact records, 18 with phone numbers, 7 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Ashley Clem?
The 66 records displayed for Ashley Clem are aggregated from government agencies, county offices, and official registries. While we source from authoritative databases, records can contain outdated information or belong to a different person with the same name. We recommend verifying important details through the original issuing agency before making decisions based on this data.
Can Ashley Clem remove this information?
Yes, any individual has the right to request removal of their personal information. Submit a free removal request through our opt-out page. Under the CCPA and similar state privacy laws, you can request deletion of your data. Removal is completed within 48 hours. You do not need to create an account.
Can I use this data for background checks or screening?
No. OpenDataUSA is not a Consumer Reporting Agency under the FCRA. These records may not be used for employment screening, tenant evaluation, credit decisions, insurance underwriting, or any other FCRA-regulated purpose. For official background checks, use an FCRA-compliant service.