Chauncey Dunbar from Madison, MS

Age 63
๐Ÿ“ 804 Beaumont Dr, Madison, MS 39110
๐Ÿ“ž (601) 853-8898, (601) 845-5397, (601) 845-8834, (601) 845-8834, (601) 853-8898, (601) 562-3846, (601) 845-5397, (601) 992-4514
๐Ÿช Ocala Health Authority, Inc, St Johns County Health Authority,inc, Cypress Rehab & Healthcare, Inc, Daytona Beach Healthcare & Rehabilitation, Inc, St Augustine Health Care & Rehabilitation, Inc, The Waverley Group, Inc, Crystal River Healthcare & Rehab, Inc, Daytona Beach Health Authority, Inc

Chauncey Dunbar from Florence, MS

Male
๐Ÿ“ 870 Highway 469 S
๐Ÿ“ž (601) 562-3846 (AT&T MOBILITY)

Chauncey V Dunbar from Madison, MS

๐Ÿ“ 117 Belle Terre Dr, Madison, MS 39110
๐Ÿ“ž (601) 853-8898

Chauncey Dunbar from Jackson, MS

Hinds Co.
๐Ÿ“ Po Box 12000

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 4 contact records for Chauncey Dunbar in Mississippi. The most recent address on file is in Florence, Mississippi. Of these records, 3 include phone numbers. The listed age is 63. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Dunbar Chauncey R & Beverly R

Madison County

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Chauncey Dunbar in 3. Values shown are from county assessor records and may differ from current market prices.

2012 Hyundai Elantra
ยท Registered to: Chauncey Dunbar
ยท VIN: KMHDH4AE1CU367543
·
127 Southampton Cir, Madison, MS, 39110-4712
·
(601) 260-7154

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Chauncey Dunbar. Registered makes include Hyundai. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Hcm, INC

Chauncey Dunbar
cdunbar@hcminc.com
Jackson, 39206MS

Chauncey Dunbar

Chief Financial Officer
Hcminc
Jackson, Mississippi, United States Hospital & Health Care

Chauncey Dunbar

Chief Financial Officer
Hcminc
Mississippi

Cruiseair Aviation Inc

Chauncey DunbarGraphic Designer
(601) 562-3846chauncey.dunbar@hotmail.com
870 Highway 469 S, Florence, MS39073
cruiseairav.com

Chauncey Dunbar

CFO at HCMInc ยท Jackson, Mississippi Area

Cruiseair Aviation Inc

Chauncey DunbarGraphic Designer
(601) 562-3846chauncey.dunbar@hotmail.com
870 Highway 469 S, Florence, MS39073

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 8 business affiliations were found for Chauncey Dunbar. Companies include Hcm, INC, Hcminc, Cruiseair Aviation Inc. Roles listed include Graphic Designer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Treasurer: Chauncey Dunbar

Unknown Corporation

Addr: AK
AK
Secretary: Chauncey Dunbar

Unknown Corporation

Addr: AK
AK
Secretary: Chauncey R. Dunbar

Unknown Corporation

Addr: AK
AK
Treasurer: Chauncey R Dunbar

Unknown Corporation

Addr: AK
AK
Secretary: Chauncey R Dunbar

Unknown Corporation

Addr: AK
AK
Secretary: Chauncey R Dunbar

Unknown Corporation

Addr: AK
AK
Secretary: Chauncey Dunbar

Unknown Corporation

Addr: AK
AK
Treasurer: Chauncey Dunbar

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R. Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: , Same As Pres

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: , Same As Pres

Chauncey R. Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: , Same As Pres

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: , Same As Pres

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: , Same As Pres

Chauncey Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R. Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R. Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R. Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey Dunbar

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Dunbar, Chauncey R

Addr: , Same As Pres

Dunbar, Chauncey R

Addr: 460 Briarwood Dr Ste 410, Jackson, MS, 39206
MS

Chauncey R Dunbar

Addr: PO Box 12000, Jackson, MS, 39236
MS

Unknown Corporation

Addr: P.o. Box 12000, Jackson, MS, 39236
MS
SECRETARY: Chauncey Dunbar

Chauncey R Dunbar

Addr: 460 Briarwood Drive Suite 410, Jackson, MS, 39206
MS

Chauncey R Dunbar,

Addr: 460 Briarwood Drive Suite 410, Jackson, MS, 39206
MS

Unknown Corporation

Addr: 460 Briarwood Dr Ste 410, Jackson, IA, 39206
IA
TREASURER: Chauncey R Dunbar

Texas-Waverley Group, INC.

ID: 0159330900
Addr: P.o. Box 12000, Jackson, MS, 39236
MS
SECRETARY: Chauncey R Dunbar

The Waverley Group, INC.

ID: 0007165806
Addr: P.o. Box 12000, Jackson, MS, 39236
MS
SECRETARY: Chauncey Dunbar

The Waverley Group, INC.

ID: 0007165806
Addr: P.o. Box 12000, Jackson, MS, 39236
MS
VICE PRESIDENT: Chauncey Dunbar

Texas-Waverley Group, INC.

ID: 0159330900
Addr: P.o. Box 12000, Jackson, MS, 39236
MS
TREASURER: Chauncey R Dunbar

The Waverley Group, INC.

ID: 0007165806
Addr: P.o. Box 12000, Jackson, MS, 39236
MS
TREASURER: Chauncey Dunbar

Source: Public Records Chauncey Dunbar appears in 68 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

chauncey dunbar

C
Addr: Madison, MS

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Chauncey Dunbar holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

$100 Sep 19, 2003
2004
Nrcce Non Federal 1
Dunbar, Chauncey R Finance Executive @ Hcm INC Jackson, MS
$100 Sep 19, 2003
Nrcce Non Federal 1
Contributor Finance Executive @ Hcm INC Jackson, MS

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for Chauncey Dunbar. Total disclosed contributions amount to $200. Recipients include Nrcce Non Federal 1. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Chauncey Dunbar

Male
·
160 Stratford Dr, Madison, MS 39110 (Madison County)
32.4819, -90.1683
TZ: Central
Homeowner Single Family Built 1998 Purchased 2011

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 1 demographic profile associated with Chauncey Dunbar. 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 Chauncey Dunbar. These loans were issued to businesses, not individuals.

Dkc Industries LLC

Limited Liability Company(LLC

$2,267 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Jan 29, 2021

Forgiven

$2,278

Jobs Reported

1

Loan #

8668708300

Loan Size

Small

Bridget Young Townsend

Sole Proprietorship

$5,208 Paid in Full
Address:
460 Briarwood Dr Ste 460
Jackson, MS39206-3051
Approved

Apr 7, 2021

Forgiven

$5,222

Jobs Reported

1

Loan #

8377468703

Loan Size

Small

Triad Business Centers LLC

Limited Liability Company(LLC

$18,587 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Apr 30, 2020

Forgiven

$18,706

Jobs Reported

3

Loan #

7396187304

Loan Size

Small

Advanced Industrial And Mechanical

Limited Liability Company(LLC

$95,005 Paid in Full
Address:
460 Briarwood Dr Ste 400-90
Jackson, MS39206-3051
Approved

Feb 4, 2021

Forgiven

$96,202

Jobs Reported

70

Loan #

3065048410

Loan Size

Small

Brian Berry

Sole Proprietorship

$1,616 Exemption 4
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Mar 27, 2021

Jobs Reported

1

Loan #

1921008708

Loan Size

Small

Addie Stover

Limited Liability Company(LLC

$9,518 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Apr 1, 2021

Forgiven

$9,563

Jobs Reported

1

Loan #

4593298707

Loan Size

Small

Corderro Currie

Limited Liability Company(LLC

$115,000 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

May 18, 2021

Forgiven

$115,460

Jobs Reported

7

Loan #

3432199005

Loan Size

Small

Driving Edge Transport LLC

Limited Liability Company(LLC

$13,000 Paid in Full
Address:
460 Briarwood Dr Ste 100
Jackson, MS39206-3053
Approved

May 18, 2020

Forgiven

$13,077

Jobs Reported

1

Loan #

8228467409

Loan Size

Small

Wgb Properties LLC

Limited Liability Company(LLC

$20,620 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Mar 9, 2021

Forgiven

$16,828

Jobs Reported

1

Loan #

8186798509

Loan Size

Small

Margarette Meeks

Sole Proprietorship

$9,544 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Jan 27, 2021

Forgiven

$9,680

Jobs Reported

1

Loan #

6482158304

Loan Size

Small

Rodrick Batts

Sole Proprietorship

$6,788 Exemption 4
Address:
460 Briarwood Dr Ste 402
Jackson, MS39206-2954
Approved

Apr 28, 2021

Jobs Reported

1

Loan #

3975678900

Loan Size

Small

Donovan James

Sole Proprietorship

$20,833 Paid in Full
Address:
460 Briarwood Dr Ste 400 N/A
Jackson, MS39206-3062
Approved

Mar 12, 2021

Forgiven

$20,932

Jobs Reported

1

Loan #

9591608507

Loan Size

Small

Roger K Doolittle Attorney At Law

Sole Proprietorship

$12,588 Paid in Full
Address:
460 Briarwood Dr Ste 500
Jackson, MS39206-3057
Approved

Feb 9, 2021

Forgiven

$12,720

Jobs Reported

3

Loan #

5658448406

Loan Size

Small

Anytime Cash Solutions LLC

Limited Liability Company(LLC

$109,700 Paid in Full
Address:
460 BRIARWOOD DR Ste 408
Jackson, MS39206-3051
Approved

Apr 28, 2020

Forgiven

$100,268

Jobs Reported

20

Loan #

1891797310

Loan Size

Small

Cedric Haymer

Sole Proprietorship

$20,833 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Apr 2, 2021

Forgiven

$21,135

Jobs Reported

1

Loan #

5126458702

Loan Size

Small

American Cash LLC

Limited Liability Company(LLC

$12,600 Exemption 4
Address:
460 BRIARWOOD DR Ste 408
Jackson, MS39206-3051
Approved

Apr 28, 2020

Jobs Reported

2

Loan #

1909007306

Loan Size

Small

Vetguard Medical Supply LLC

Limited Liability Company(LLC

$7,950 Paid in Full
Address:
460 Briarwood Dr Ste 400
Jackson, MS39206-3062
Approved

Mar 12, 2021

Forgiven

$8,033

Jobs Reported

1

Loan #

9627478508

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 17 PPP loan records are linked to businesses associated with Chauncey Dunbar. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Chauncey Dunbar on the map

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Chauncey Dunbar in Madison, MS: Background Summary

Location
804 Beaumont Dr,Madison, MS 39110, Madison, MS
Other Locations
Florence, MS ยท Jackson, MS
Profiles Found
4 people with this name
Phone Numbers
(601) 853-8898 and 1 other on file
Possible Relatives
Beverly R Morgan, Sue P Cumberland, Susan Cumberland, Candice Dunbar, Vicky P Dunbar and 2 more
Career
Graphic Designer at Hcm, INC, Hcminc
Properties
1property owned
Vehicles
1 linked โ€” 2012 Hyundai Elantra
Contributions
$200 total โ€” Nrcce Non Federal 1
PPP Loans
$482K for Dkc Industries LLC, Bridget Young Townsend

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 Chauncey Dunbar. Because public records are indexed by name rather than by a unique identifier, the 103 results displayed here may include information belonging to multiple individuals who share the same name โ€” 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 โ€” 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.

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 โ€” 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.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

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 Chauncey Dunbar

Search Complexity: Moderate

103 public records across 3states, belonging to approximately 4 different individuals. There are 4 distinct profiles in the results. Using the state filter or checking age and address details will help identify the correct individual.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are moderately distributed across 3 states. Highest concentration: Mississippi (62%), followed by Alaska and Iowa. Spans the South and West regions.

MS64recordsAK8recordsIA1record

Record Type Breakdown

Data spans 8 record categories. Largest: Corporate Records (67%), which show business formation details and officer positions. Also includes PPP Loan Records (17) and Business & Corporate Filings (8).

68
Corporate Records
17
PPP Loan Records
8
Business & Corporate Filings
4
Contact & Address Records
2
Political Contribution Records
1
Property Ownership Records

Frequently Asked Questions About Chauncey Dunbar

Does Chauncey Dunbar own property?
County assessor records show 1 property associated with Chauncey Dunbar . 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 Chauncey Dunbar?
Records show 1 vehicle registration associated with Chauncey Dunbar, including a 2012 Hyundai Elantra. 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 Chauncey Dunbar?
We found 8 business affiliations for Chauncey Dunbar, including HCM, INC. Other companies include hcminc, Cruiseair Aviation Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Chauncey Dunbar made political donations?
FEC disclosure records show 2 reported political contributions from Chauncey Dunbar, totaling $200. Recipients include Nrcce Non Federal 1. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Chauncey Dunbar?
Our database contains 103 total records for Chauncey Dunbar spanning 3 states. This includes 4 distinct contact records, 3 with phone numbers. 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 Chauncey Dunbar?
The 103 records displayed for Chauncey Dunbar 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 Chauncey Dunbar 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.