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Carlos L Lamboy from Miami, FL

Age 58
📍 902 Sw 149th Ct, #miami, FL 33194-2931
✉️ clt96@mchsi.com, clt96@yahoo.com, lt96@msn.com, clt96@erols.com, lt96@ix.netcom.com, lamboyc@gmail.com, clt96@aol.com, clt96@hotmail.com, lt96@aol.com, clt@peoplepc.com, clt96@msn.com, clamboy@gmail.com, carlos.lamboy@ix.netcom.com, clamboy@comcast.net, clamboy@bellsouth.net
👨‍👩‍👧 Relatives: Angel Rafael Garcia,Anselmo R Garcia Sr,Blanca Lopez,Carlos R Garcia,Carlos Garcia-Lamboy,Carlos Victor Lamboy,Carmen M Quintanilla,Edel M Molina,Elsa M Garcia,Elsa M Lamboygarcia,Eugenio A Lamboy,Eulalia C Granda,Gladys Lopez,Harold E Garcia,Hector J Hernandez,Javier Fernandez,Jeffrey C Gleason,Jose L Ruiz,Katia Irene Fuenzalida,Lazaro Alexis Quintana,Ledya L Lamboy,Luis Lucas Fernandez,Luis Orlily,Lydia Fernandez,Mark D Hutchison Jr,Miguel M Lopez Sr,Myrna Lopez Robles,Natalia G Galindo,Nereida Herrera,Octavio Pablo Fernandez,Oneill Lamboy Rosalyz,Paola Samantha Fernandez,R Oneill-Lamboy,R Oneill-Lamboy,R Oneill-Lamboy,R Oneill-Lamboy,R Oneill-Lamboy,R Oneill-Lamboy,R Oneill-Lamboy,R Oneill-Lamboy,Rafael G Madrigal,Rosalyz Oneill Lamboy,Shonda M Garcia,Srinivas M Bhat,Stephanie M Brugueras,Thais Maria Alvarez,Vidal N Lopez,Virgilio L Fernandez Jr,Zoraida T Lamboy,Zoraida T Lamboy,Zoraida T Lamboy
🕐 15 previous addresses

Carlos Lamboy from Miami, FL

Age 39
📍 345 122nd Ave, Miami, FL 33184
📞 (305) 554-0909, (305) 785-3898, (305) 554-7400, (201) 567-9815
✉️ clt@peoplepc.com, clt96@aol.com, lt96@aol.com, lt96@ix.netcom.com
👨‍👩‍👧 Relatives: Zoraida T Lamboy,Eugienio Lamboy,Ledya L Cordero,Elsa M Garcialamboy,Elsa M Lamboy

Carlos Lamboy from Los Angeles, CA

Age 76 b. Oct 1949 Los Angeles Co.
📍 432 S Curson Ave
📞 (212) 877-4327, (323) 857-0420

Carlos Lamboy from Miami, FL

Age 53
📍 9417 Fontainebleau Blvd #207, Miami, FL 33172
👨‍👩‍👧 Relatives: Shonda Maria Garcia,Harold Ernesto Garcia,Haroldo Garcia,Monica Eliza Andreu,Eulalia C Alvarez,Zoraida T Lamboy,Eugienio Lamboy,Ledya L Cordero,Lamboy E Garcia

Carlos Lamboy from West Dundee, IL

Age 61 b. 1965 Kane Co.
📍 601 Edwards Ave
📞 (847) 836-1138

Carlos Lamboy from Elgin, IL

Age 60 b. May 1965 Kane Co.
📍 523 N Lyle Ave
📞 (847) 426-8502

Carlos Lamboy from Fort Myers, FL

Age 51 b. Nov 1974 Lee Co.
📍 11661 Plantation Preserve Cir S
📞 (239) 225-0855

Carlos Lamboy

📍 363 Feliz St, Perris Ca
📞 (619) 227-1515, (619) 483-9787
✉️ LAMBOYCARLOS@YAHOO.COM

Carlos Lamboy

📍 4032 Carolina Shores Ln, League City Tx
📞 (239) 823-9162, (111) 111-0002
✉️ LAMBOYCV5@GMAIL.COM

Carlos Lamboy from Los Angeles, CA

Age 64
📍 432 Curson Ave, Los Angeles, CA 90036
📞 (323) 857-0420, (718) 675-4719

Carlos Lamboy from Fort Myers, FL

Male
📍 6490 Aragon Way #106
📞 (239) 272-5154 (VERIZON WIRELESS)

Carlos Lamboy from Fort Myers, FL

0000 Male
📍 6490 Aragon Way
📞 (239) 272-5154

Carlos Lamboy from Bayamon, PR

Age 73 b. Aug 1952 Bayamon Co.
📍 961 Urb Monte Claro Mc 21 Plz 6

Carlos Lamboy from Miami, FL

Age 65 b. Sep 1960
📍 902 Sw 149th Ct
👤 aka Carlos L Lamboy, Carlos V Lamboy, Carlos Lopez

Carlos Lamboy from Carolina, PR

Age 63 b. Sep 1962
📍 9909 Po Box
👤 aka Carlos M Lamboy Rivera, Carlos Manuel Lamboy-Rivera, Carlos Samuel Lamboy-Rivera

Carlos Lamboy from Perris, CA

Male
📍 363 Feliz St

Carlos Lamboy from Cabo Rojo, PR

Cabo Rojo Co.
📍 Po Box 507

Carlos Lamboy from Naranjito, PR

Naranjito Co.
📍 719 Urb Jard De Nara 119 St Ama

Carlos Lamboy from Rio Piedras, PR

San Juan Co.
📍 Pob 407 San Juan

Carlos Lamboy from Carpentersville, IL

Kane Co.
📍 525 Gentle Breeze Te

Carlos Lamboy from Cabo Rojo, PR

Cabo Rojo Co.
📍 623 Nm 322 Azuc St Parc Eliz

Carlos Lamboy from Humacao, PR

Humacao Co.
📍 791 Res Vil Univ Bf 11 St 24

Carlos Lamboy from San Juan, PR

📍 260407 Po Box

Carlos Lamboy from Miami, FL

Miami Dade Co.
📍 5700 Collins Ave Apt 16 F

Carlos Lamboy from Orange City, FL

Volusia Co.
📍 1330 Fla Ave

Carlos Lamboy from Bayamon, PR

Bayamon Co.
📍 956 St Las Mari 12 Juan Domi 315

Carlos Lamboy from Carolina, PR

Carolina Co.
📍 987 Metropolis St D 2 I 3

Carlos Lamboy from Guaynabo, PR

Guaynabo Co.
📍 966 Bda San Miguel 8 St 6

Carlos Lamboy from San Juan, PR

San Juan Co.
📍 924 Cond Santa Maria 2 409

Carlos Lamboy from Toa Alta, PR

📍 Rr 2

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 31 contact records for Carlos Lamboy across 4 states. The most recent address on file is in Los Angeles, California. Of these records, 11 include phone numbers and 4 include email addresses. Ages range from 39 to 64, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Lamboy Carlos V + Rosalyz

Lee County
PIN: 07452511000001140
· 11661 Plantation Preserve Cir S, Fort Myers 33966
Value: $220,310

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Carlos Lamboy. Values shown are from county assessor records and may differ from current market prices.

Carlos S Lamboy

8524 Corinthian Way, New Port Richey, , 34654

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 1 voter registration record was found for Carlos Lamboy in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2009 Kia Rio
· Registered to: Carlos Lamboy
· VIN: KNADE223796459152
·
15121 Sw 11th St, Miami, FL, 33194
·
(305) 785-3893
2016 Toyota Camry
· Registered to: Carlos Lamboy
· VIN: 4T1BF1FK8GU546534
·
15121 Sw 11Th St, Miami, FL, 33194
·
(305) 785-3898
2011 INFINITI M37
· Registered to: Carlos Lamboy
· VIN: JN1BY1AP4BM326708
·
1724 N Meridian Greens Dr, Dickinson, TX, 77539-8369
·
(210) 257-6889
2008 Infiniti Ex35
· Registered to: Carlos Lamboy
· VIN: JNKAJ09E08M306795
·
1724 N Meridian Greens Dr, Dickinson, TX, 77539-8369
2011 Infiniti QX56
· Registered to: Carlos Lamboy
· VIN: JN8AZ2ND8B9701468
·
1724 N Meridian Greens Dr, Dickinson, TX, 77539
·
(210) 257-6889
· Registered to: Carlos Lamboy
·
345 SW 122nd Ave, Miami, FL, 33184

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with Carlos Lamboy. Registered makes include Kia, Toyota, Infiniti, N. The most recent model year on record is 2016. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Carlos Lamboy

Associate Director
Elite Research Institute
Florida
LinkedIn

Ambiance Day Spa

Carlos LamboyPosting
(408) 896-7792carloslg81@ambiancedayspa.biz
3760 Peacock Ct, Santa clara, CA95051

Magnolia Music & Events Inc

Carlos LamboySales Customer
clamboy@netscape.net
14932 Cedar Branch Way, Orlando, FL32824
magmusic.com

Carlos Samuel Lamboy

Puerto Rico area

Jason & Nesson; L.L.P

Carlos LamboyVice President
(408) 896-7792carloslg81@hotmail.com
3760 Peacock Ct, Santa Clara, CA95051

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 16 business affiliations were found for Carlos Lamboy. Companies include Ambiance Day Spa, Jason & Nesson; L.L.P. Roles listed include Posting and Sales Customer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Exceptional Smiles Orthodontics PC

Addr: 3204 Lake Park Ln, League, TX, 77573
TX
Director: Carlos Lamboy

Unknown Corporation

Addr: 3204 Lake Park Ln, League, TX, 77573
TX
Officer: Carlos V. Lamboy

Exceptional Smiles Orthodontics PC

ID: 0802255039
Addr: 3204 Lake Park Ln, League, TX, 77573
TX
Director: Carlos V Lamboy

Source: Public Records Carlos Lamboy appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

carlos lamboy

E
Addr: Rio Piedras, PR

Carlos Lamboy

Detective Board
NOT RENEWED
License # 129389137
Firm: Carlos A Lamboy
Addr: Lake In The Hills, IL 60156

carlos lamboy

Detective Board
NOT RENEWED
License # 129389137
Addr: Lake In The Hills, IL 60156
County: McHenry
Issued: Aug 6, 2015 Exp: May 31, 2018

Licensed Professional

Source: State Professional Licensing Boards · Dept. of Professional Regulation Carlos Lamboy holds 4 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Carlos Lamboy

Bell Sr. High School - Bell, CA, CA
1997

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Carlos Lamboy 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

Carlos M Lamboy

Age 52 Male
·
601 Edwards Ave, Dundee, IL 60118 (Kane County)
42.0917, -88.2844
· (847) 836-1138
Marital: Married TZ: Central
Single Family
MP

Carlos Lamboy

Male
·
2873 Carrera Ct, League City, TX 77573 (Galveston County)
29.5039, -95.0925
· (239) 225-0855
TZ: Central
MP

Carlos A Lamboy

Age 67 Male
·
432 S Curson Ave, Los Angeles, CA 90036 (Los Angeles County)
34.0675, -118.3570
· (323) 857-0420
Marital: Single TZ: Pacific
Edu: Some College
Homeowner Multi-Family
MP

Carlos Lamboy

Male
·
6490 Aragon Way, Fort Myers, FL 33966 (Lee County)
26.5514, -81.8470
TZ: Eastern
Homeowner Multi-Family Built 1998 Purchased 2013
MP

Carlos Lamboy

Age 56 Male
·
15121 SW 11th St, Miami, FL 33194 (Miami-Dade County)
25.7564, -80.4403
· (305) 785-3893
Marital: Married TZ: Eastern
Homeowner Single Family Built 1985 Purchased 1985

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with Carlos Lamboy. 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 Carlos Lamboy. These loans were issued to businesses, not individuals.

Olayinka Adeboyeku

Self-Employed Individuals

$7,665 Paid in Full
Address:
432 S Curson Ave
Los Angeles, CA90036-5218
Approved

Feb 13, 2021

Forgiven

$7,708

Jobs Reported

1

Loan #

8765128403

Loan Size

Small

Erdenegerel Ayush

Sole Proprietorship

$13,811 Exemption 4
Address:
432 s curson ave 50 2J
Los Angeles, CA90036
Approved

May 21, 2021

Jobs Reported

1

Loan #

4937509002

Loan Size

Small

Milliy Cafe INC

Corporation

$1,666 Exemption 4
Address:
432 S Curson Ave Apt 2c
Los Angeles, CA90036-3257
Approved

Jul 27, 2020

Jobs Reported

2

Loan #

8690418107

Loan Size

Small

Kelly Wheeler

Sole Proprietorship

$20,597 Paid in Full
Address:
432 S Curson Ave Apt 10B
Los Angeles, CA90036-5233
Approved

May 14, 2021

Forgiven

$20,729

Jobs Reported

1

Loan #

2209479009

Loan Size

Small

Ana Zecca LLC

Limited Liability Company(LLC

$2,082 Paid in Full
Address:
902 SW 149th Ct
Miami, FL33194
Approved

May 1, 2020

Forgiven

$2,106

Jobs Reported

1

Loan #

2341977708

Loan Size

Small

Mungunbaatar Batbalsan

Sole Proprietorship

$20,833 Paid in Full
Address:
432 S Curson Ave Apt 4C
Los Angeles, CA90036-3257
Approved

Mar 24, 2021

Forgiven

$20,908

Jobs Reported

1

Loan #

8249808606

Loan Size

Small

Selman Nalcakan

Self-Employed Individuals

$3,958 Exemption 4
Address:
432 S Curson Ave
Los Angeles, CA90036-5218
Approved

Mar 30, 2021

Forgiven

$4,016

Jobs Reported

1

Loan #

3065438703

Loan Size

Small

Karin Grillitz

Sole Proprietorship

$3,242 Paid in Full
Address:
432 S Curson Ave Apt 2B
Los Angeles, CA90036-5220
Approved

Jan 22, 2021

Forgiven

$3,267

Jobs Reported

1

Loan #

4065648309

Loan Size

Small

Nurdan Kavaklioglu

Independent Contractors

$20,275 Paid in Full
Address:
432 S Curson Ave # 5009
Los Angeles, CA90036-5218
Approved

May 20, 2021

Forgiven

$20,521

Jobs Reported

1

Loan #

4040119009

Loan Size

Small

Get Hit LLC

Limited Liability Company(LLC

$57,500 Paid in Full
Address:
432 S Curson Ave Apt 6K
Los Angeles, CA90036-3257
Approved

Apr 27, 2021

Jobs Reported

3

Loan #

3098988907

Loan Size

Small

Munkhkhuslen Nasanjargal

Sole Proprietorship

$7,138 Exemption 4
Address:
432 S Curson Ave Apt 2J
Los Angeles, CA90036-5286
Approved

Mar 13, 2021

Jobs Reported

1

Loan #

2066828601

Loan Size

Small

Kagan Guleresi

Independent Contractors

$20,275 Paid in Full
Address:
432 S Curson Ave # 5009H
Los Angeles, CA90036-5218
Approved

May 20, 2021

Forgiven

$20,521

Jobs Reported

1

Loan #

3871079006

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 12 PPP loan records are linked to businesses associated with Carlos Lamboy. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Carlos Lamboy on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
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26
11
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Found 53 results across 4 states

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Carlos Lamboy in Miami, FL: Background Summary

Location
345 122nd Ave,Miami, FL 33184, Miami, FL
Other Locations
Los Angeles, CA · West Dundee, IL · Elgin, IL and 14 more
Profiles Found
31 people with this name
Phone Numbers
(305) 551-1230 and 12 others on file
Email
clt96@mchsi.com and 16 others on file
Possible Relatives
Angel Rafael Garcia, Anselmo R Garcia SR, Blanca Lopez, Carlos R Garcia, Carlos Garcia-Lamboy and 47 more
Career
Posting, Sales Customer at Ambiance Day Spa, Jason & Nesson; L.L.P
Vehicles
6 linked — 2009 Kia Rio, 2016 Toyota Camry and 4 more
Licenses
2 professional licenses (DETECTIVE BOARD)
PPP Loans
$179K for Olayinka Adeboyeku, Erdenegerel Ayush

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 Carlos Lamboy. Because public records are indexed by name rather than by a unique identifier, the 90 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 Carlos Lamboy

Search Complexity: High

90 public records across 4states, belonging to approximately 31 different individuals. With 31 distinct profiles across 4 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Professional License Records section may be most helpful for disambiguation because these records contain license numbers and issuing states.

Geographic Distribution

Records are moderately distributed across 4 states. Highest concentration: Florida (29%), followed by Illinois and California. Spans the South and Midwest regions.

FL26recordsIL11recordsCA10recordsTX6records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (49%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (16) and PPP Loan Records (12).

41
Contact & Address Records
16
Business & Corporate Filings
12
PPP Loan Records
6
Vehicle Registration Records
4
Professional License Records
3
Corporate Records

Age Distribution

Age range: approximately 38 years, suggesting multiple generations. Largest group: Senior (65+) (38%).

Senior (65+)3peopleMiddle-Age (40-64)4peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Carlos Lamboy

Is Carlos Lamboy a registered voter?
Yes, voter registration records show Carlos Lamboy is registered in . We found 1 voter registration entry across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Carlos Lamboy own property?
County assessor records show 1 property associated with Carlos Lamboy . 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 Carlos Lamboy?
Records show 6 vehicle registrations associated with Carlos Lamboy, including a 2009 Kia Rio. Registered makes include Kia, Toyota, Infiniti, N. 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 Carlos Lamboy?
We found 16 business affiliations for Carlos Lamboy. Other companies include Jason & Nesson; L.L.P. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Carlos Lamboy?
Our database contains 90 total records for Carlos Lamboy spanning 4 states. This includes 31 distinct contact records, 11 with phone numbers, 4 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 Carlos Lamboy?
The 90 records displayed for Carlos Lamboy 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 Carlos Lamboy 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.