Christopher Pei from Potomac, MD

Age 56
๐Ÿ“ 10620 Oaklyn Dr, Potomac, MD 20854
๐Ÿ“ž (718) 609-1359, (301) 983-5688, (703) 532-0733, (301) 983-5688, (703) 532-4176, (718) 609-1359
โœ‰๏ธ swushu@msn.com, uswushu@msn.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Chuyu Julie Pei,Pei Chuyujulie,Julie J Pei,Anthony L Pei,Adam Dul,Anthony L Pei,Wieslaw Dul
๐Ÿช Pei Enterprises, Inc

Christopher Pei from North Brookfield, NY

Age 56
๐Ÿ“ 1832 Hillside Ave, North Brookfield, NY
๐Ÿ“ž (315) 855-4290, (315) 855-4290, (315) 855-7898
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Cathy E Peo,Rosemarie Peo,Cathy E Peo,Christopher K Peo

Christopher M Pei from Burlingame, CA

Age 30
๐Ÿ“ 1644 Coronado Way, Burlingame, CA 94010
๐Ÿ“ž (224) 715-3897

Christopher Pei from Berkeley, CA

Age 30 b. Sep 1995
๐Ÿ“ 2 Panoramic Way Apt 103
๐Ÿ“ž (510) 426-4101
๐Ÿ‘ค aka Christoph Pei

Christopher Pei from Makawao, HI

Age 62 b. 1964 Maui Co.
๐Ÿ“ 1118 Kehau Pl
๐Ÿ“ž (808) 572-8607

Christopher Pei from San Mateo, CA

Age 34 b. 1992 Male
๐Ÿ“ 3401 Oakhill Ct
๐Ÿ’ผ 2204
๐Ÿ“ž (224) 715-3897 (Cell)

Christopher Pei from Burlingame, CA

Age 34 b. 1992 U
๐Ÿ“ 1644 Coronado Way
๐Ÿ“ž (224) 715-3897

Christopher Pei from Potomac, MD

Montgomery Co.
๐Ÿ“ 10408 Bit And Spur Ln
๐Ÿ“ž (301) 983-5688

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 8 contact records for Christopher Pei across 4 states. The most recent address on file is in Burlingame, California. Of these records, 8 include phone numbers and 1 include email addresses. Ages range from 30 to 56, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Pei Christopher &

Montgomery County
· 10620 Oaklyn Dr, Md 20854.0
Built: 1890.0
Assessed: $1,250,300

Christopher A Pei

2023 Erie County
· 309 Lamont, Amherst

Christopher A Pei

2024 Erie County
· 200 Roesch, Buffalo

Christopher A Pei

2024 Erie County
· 309 Lamont, Amherst

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 4 property records linked to Christopher Pei. Values shown are from county assessor records and may differ from current market prices.

Candidate Pool

senderles@gmail.com

United States Wushu Academy

Christopher Pei
(703) 698-8182wushucoach@aol.com
Falls Church, 22041VA

Christopher Pei

H&m
Connells Point, New South Wales, Australia

Christopher Pei

Coach at US Wushu Academy

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Christopher Pei. Companies include United States Wushu Academy, H&m. Roles listed include Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Pei Enterprises, INC.

Addr: VA
VA
P/CEO: Christopher Pei

Unknown Corporation

P/CEO: Christopher Pei

Source: Public Records Christopher Pei appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Christopher n Pei

Group Tour
May 22, 2011, 04:40 PM
ยท WH

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Christopher Pei appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

MP

Christopher Pei

Age 22 Male
·
4246 Sonia Ct, Alexandria, VA 22309 (Fairfax County)
38.7291, -77.1059
· (703) 725-7791
Marital: Single TZ: Eastern
Homeowner Single Family Built 2003 Purchased 2003
MP

Christopher M Pei

Age 25 Male
·
1644 Coronado Way, Burlingame, CA 94010 (San Mateo County)
37.5906, -122.3810
· (224) 715-3897
Marital: Single TZ: Pacific
Homeowner Single Family Built 1950 Purchased 2014
MP

Christopher Pei

Age 59 Male
·
10620 Oaklyn Dr, Potomac, MD 20854 (Montgomery County)
39.0090, -77.2200
· (703) 380-8300
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1890 Purchased 2003

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with Christopher Pei. 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 Christopher Pei. These loans were issued to businesses, not individuals.

Ops Sales Company

Subchapter S Corporation

$1,413,200 Paid in Full
Address:
PO Box 189
Dewey, OK74029
Approved

Apr 8, 2020

Forgiven

$1,426,635

Jobs Reported

188

Loan #

8156927002

Loan Size

Medium-Large

City On A Hill

Limited Liability Company(LLC

$36,681 Paid in Full
Address:
PO Box 189
Cedar Bluff, VA24609-0189
Approved

Apr 28, 2020

Forgiven

$36,973

Jobs Reported

6

Loan #

8727607201

Loan Size

Small

Archers Food Center

Corporation

$15,859 Paid in Full
Address:
PO Box 189
Norris, TN37828-0121
Approved

Apr 28, 2020

Forgiven

$15,969

Jobs Reported

9

Loan #

8788867202

Loan Size

Small

Rumpza Farrier Services LLC

Limited Liability Company(LLC

$4,687 Paid in Full
Address:
PO Box 189
South Prairie, WA98385
Approved

Apr 27, 2020

Forgiven

$4,739

Jobs Reported

1

Loan #

4664677204

Loan Size

Small

Mata Design Company

Subchapter S Corporation

$14,200 Paid in Full
Address:
PO Box 189
Carbondale, CO81623-0189
Approved

Apr 10, 2020

Forgiven

$14,328

Jobs Reported

1

Loan #

2358477108

Loan Size

Small

Bell Press, INC.

Corporation

$121,200 Paid in Full
Address:
PO Box 189
Ladysmith, WI54848
Approved

Apr 5, 2020

Forgiven

$122,691

Jobs Reported

28

Loan #

5505337008

Loan Size

Small

John Gaddis

Sole Proprietorship

$22,800 Paid in Full
Address:
PO Box 189
East Machias, ME04630-0189
Approved

Apr 30, 2020

Forgiven

$14,476

Jobs Reported

3

Loan #

6370627302

Loan Size

Small

C&j Farms, Jv

Joint Venture

$15,000 Paid in Full
Address:
PO Box 189
Sudan, TX79371
Approved

Apr 8, 2020

Forgiven

$15,140

Jobs Reported

8

Loan #

8422357001

Loan Size

Small

R E Management INC.

Subchapter S Corporation

$78,400 Paid in Full
Address:
PO Box 189
Brunswick, ME04011-0189
Approved

Apr 27, 2020

Forgiven

$71,516

Jobs Reported

5

Loan #

5177447202

Loan Size

Small

William T Gardner & Sons INC

Corporation

$987,500 Paid in Full
Address:
PO Box 189
Lincoln, ME04457-0189
Approved

Apr 6, 2020

Forgiven

$995,976

Jobs Reported

65

Loan #

6096987007

Loan Size

Medium

Aledo Texas Family Chiropractic, LLC

Limited Liability Company(LLC

$12,180 Paid in Full
Address:
PO Box 189
Aledo, TX76008
Approved

Apr 9, 2020

Forgiven

$12,270

Jobs Reported

2

Loan #

9637197003

Loan Size

Small

Canyon Pet Resort & Wellness, PA

Subchapter S Corporation

$53,800 Paid in Full
Address:
PO Box 189
Melba, ID83641
Approved

Apr 6, 2020

Forgiven

$54,337

Jobs Reported

7

Loan #

6340607001

Loan Size

Small

Andrew P Van Hook Cpa PC

Corporation

$24,124 Paid in Full
Address:
PO Box 189
Millville, NJ08332
Approved

Apr 29, 2020

Forgiven

$24,324

Jobs Reported

3

Loan #

2304957300

Loan Size

Small

West Valley View, INC.

Corporation

$407,900 Paid in Full
Address:
PO Box 189
Allegany, NY14706
Approved

May 11, 2020

Forgiven

$410,415

Jobs Reported

38

Loan #

4763197404

Loan Size

Medium

Scorpion Texaco, INC

Corporation

$72,731 Paid in Full
Address:
PO Box 189
Idaho Springs, CO80452-0189
Approved

Apr 27, 2020

Forgiven

$73,157

Jobs Reported

8

Loan #

4953727202

Loan Size

Small

The Forester Pub LLC

Limited Liability Company(LLC

$89,750 Paid in Full
Address:
PO Box 189
Lincoln, ME04457-0189
Approved

Apr 7, 2020

Forgiven

$90,503

Jobs Reported

36

Loan #

6654247003

Loan Size

Small

Gardner Chipmills Lincoln LLC

Limited Liability Company(LLC

$87,500 Paid in Full
Address:
PO Box 189
Lincoln, ME04457-0189
Approved

Apr 6, 2020

Forgiven

$88,217

Jobs Reported

10

Loan #

6073467001

Loan Size

Small

James A Hubbard

Sole Proprietorship

$6,100 Paid in Full
Address:
pO bOX 189
Isom, KY41824
Approved

Apr 10, 2020

Forgiven

$6,153

Jobs Reported

1

Loan #

1525377106

Loan Size

Small

Sparks And Associates INC

Corporation

$12,500 Paid in Full
Address:
PO Box 189
Empire, CO80438-0189
Approved

Jun 22, 2020

Forgiven

$12,563

Jobs Reported

1

Loan #

1439718003

Loan Size

Small

American Regional Electric INC

Corporation

$21,990 Paid in Full
Address:
PO Box 189
Fairmont, WV26555-0189
Approved

Apr 27, 2020

Forgiven

$22,223

Jobs Reported

3

Loan #

5836877207

Loan Size

Small

Rebecca Krueger, PC

Professional Association

$17,885 Paid in Full
Address:
PO Box 189
Oregon City, OR97045
Approved

Apr 15, 2020

Forgiven

$18,111

Jobs Reported

1

Loan #

1472277204

Loan Size

Small

King Ag Aviation, INC.

Corporation

$64,276 Paid in Full
Address:
PO Box 189
Sudan, TX79371
Approved

Apr 8, 2020

Forgiven

$64,872

Jobs Reported

8

Loan #

8442027004

Loan Size

Small

L. L. Linn, INC.

Subchapter S Corporation

$8,900 Paid in Full
Address:
PO Box 189
Arkansas City, AR71630
Approved

Apr 29, 2020

Forgiven

$8,991

Jobs Reported

1

Loan #

2194707304

Loan Size

Small

Occupational Safety Services, INC.

Corporation

$7,500 Paid in Full
Address:
PO Box 189
Heber, AZ85928
Approved

Apr 15, 2020

Forgiven

$6,536

Jobs Reported

1

Loan #

8269837104

Loan Size

Small

Randolphs Refrigeration Heating & Ac INC

Corporation

$24,200 Paid in Full
Address:
PO Box 189
Thermopolis, WY82443
Approved

Apr 8, 2020

Forgiven

$24,380

Jobs Reported

3

Loan #

7975197007

Loan Size

Small

Realization Services INC.

Corporation

$325,800 Paid in Full
Address:
PO Box 189
Bedford Hills, NY10507
Approved

Apr 10, 2020

Forgiven

$178,629

Jobs Reported

6

Loan #

1819377101

Loan Size

Medium

R.g.m., INC.

Corporation

$12,405 Paid in Full
Address:
PO Box 189
Oak Hall, VA23416-0189
Approved

Apr 10, 2020

Forgiven

$12,478

Jobs Reported

5

Loan #

1870977110

Loan Size

Small

Kenneth C Price, Lcsw, PLLC

Limited Liability Company(LLC

$8,540 Paid in Full
Address:
PO Box 189
Felts Mills, NY13638
Approved

Aug 4, 2020

Forgiven

$8,597

Jobs Reported

1

Loan #

3524728206

Loan Size

Small

Vision Heights Church Of God

Non-Profit Organization

$10,400 Paid in Full
Address:
PO Box 189
Brady, TX76825-0189
Approved

Apr 14, 2020

Forgiven

$10,453

Jobs Reported

2

Loan #

7431927101

Loan Size

Small

Gardner Logging Services INC

Corporation

$352,500 Paid in Full
Address:
PO Box 189
Lincoln, ME04457-0189
Approved

Apr 7, 2020

Forgiven

$355,947

Jobs Reported

29

Loan #

6563257000

Loan Size

Medium

Tycon Construction LLC

Limited Liability Company(LLC

$465,400 Paid in Full
Address:
PO Box 189
Oakley, UT84055
Approved

Apr 13, 2020

Forgiven

$469,302

Jobs Reported

37

Loan #

5723297105

Loan Size

Medium

Fairview Gin, INC.

Corporation

$7,929 Paid in Full
Address:
PO Box 189
Seminole, TX79360
Approved

Apr 8, 2020

Forgiven

$8,009

Jobs Reported

8

Loan #

8411477007

Loan Size

Small

For Vets INC

Corporation

$22,900 Paid in Full
Address:
PO Box 189
Bell, FL32619
Approved

Apr 16, 2020

Forgiven

$23,172

Jobs Reported

5

Loan #

2707477205

Loan Size

Small

Chalmers Realty INC

Corporation

$20,600 Paid in Full
Address:
PO Box 189
Bridgton, ME04009
Approved

Apr 8, 2020

Forgiven

$20,733

Jobs Reported

3

Loan #

7854547009

Loan Size

Small

Larry Linn Sr.

Sole Proprietorship

$31,400 Paid in Full
Address:
PO Box 189
Arkansas City, AR71630
Approved

Apr 28, 2020

Forgiven

$31,632

Jobs Reported

3

Loan #

1931057306

Loan Size

Small

William Tres LLC

Limited Liability Company(LLC

$41,600 Paid in Full
Address:
PO Box 189
Westfield, IN46074
Approved

Apr 8, 2020

Forgiven

$41,944

Jobs Reported

2

Loan #

8387397006

Loan Size

Small

The Church Of The Epiphany

Non-Profit Organization

$32,337 Paid in Full
Address:
PO Box 189
Clarks Summit, PA18411
Approved

Apr 29, 2020

Forgiven

$32,597

Jobs Reported

2

Loan #

3203167305

Loan Size

Small

Alliance Services

Corporation

$900,000 Paid in Full
Address:
PO Box 189
Aurora, OR97002-0189
Approved

Apr 16, 2020

Forgiven

$907,570

Jobs Reported

158

Loan #

2488487207

Loan Size

Medium

Cumberland County Habitat For Humanity INC.

Corporation

$42,068 Paid in Full
Address:
PO Box 189
Vineland, NJ08362
Approved

Apr 8, 2020

Forgiven

$32,230

Jobs Reported

10

Loan #

7914217007

Loan Size

Small

Nahga INC.

Subchapter S Corporation

$435,900 Paid in Full
Address:
PO Box 189
Bridgton, ME04009
Approved

Apr 8, 2020

Forgiven

$439,024

Jobs Reported

48

Loan #

8062257001

Loan Size

Medium

Plum Lake Golf Course INC

Corporation

$32,552 Paid in Full
Address:
PO Box 189
Sayner, WI54560
Approved

Apr 28, 2020

Forgiven

$32,743

Jobs Reported

12

Loan #

8941837201

Loan Size

Small

Gardner Chipmills Houlton LLC

Limited Liability Company(LLC

$54,500 Paid in Full
Address:
PO Box 189
Lincoln, ME04457-0189
Approved

Apr 7, 2020

Forgiven

$54,953

Jobs Reported

4

Loan #

6592627003

Loan Size

Small

Buddys Kwik Stop

Sole Proprietorship

$23,300 Paid in Full
Address:
PO Box 189
Coleman, TX76834
Approved

Apr 14, 2020

Forgiven

$23,463

Jobs Reported

6

Loan #

6445417108

Loan Size

Small

Scales Express INC

Corporation

$1,152,200 Paid in Full
Address:
PO Box 189
Homer, GA30547
Approved

Apr 7, 2020

Forgiven

$1,166,026

Jobs Reported

110

Loan #

7447677005

Loan Size

Medium-Large

Hurt Cattle Company, INC.

Corporation

$76,503 Paid in Full
Address:
PO Box 189
Deming, NM88031-0189
Approved

Apr 15, 2020

Forgiven

$77,192

Jobs Reported

9

Loan #

9615767105

Loan Size

Small

Woodlawn Presbyterian Church

Non-Profit Organization

$7,958 Paid in Full
Address:
PO Box 189
Sharon, SC29742
Approved

Apr 15, 2020

Forgiven

$8,009

Jobs Reported

4

Loan #

9338397102

Loan Size

Small

Brock Doyle, LLC

Subchapter S Corporation

$8,057 Paid in Full
Address:
PO Box 189
Sarasota, FL34230-0189
Approved

Jul 28, 2020

Forgiven

$8,128

Jobs Reported

1

Loan #

9503938110

Loan Size

Small

Smith Poultry Equipment INC

Subchapter S Corporation

$46,145 Paid in Full
Address:
PO Box 189
Nashville, AR71852-1018
Approved

Apr 9, 2020

Forgiven

$46,389

Jobs Reported

8

Loan #

1067737109

Loan Size

Small

Yeager Paving Materials, LLC

Limited Liability Company(LLC

$70,900 Paid in Full
Address:
PO Box 189
Carrollton, MI48724-0308
Approved

Apr 4, 2020

Forgiven

$71,422

Jobs Reported

8

Loan #

4615787010

Loan Size

Small

Andy Mazzurco

Sole Proprietorship

$20,833 Paid in Full
Address:
PO Box 189
Ocala, FL34478
Approved

Apr 30, 2020

Forgiven

$20,984

Jobs Reported

1

Loan #

7001067310

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 50 PPP loan records are linked to businesses associated with Christopher Pei. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Christopher Pei on the map

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1
4
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Christopher Pei in Potomac, MD: Background Summary

Location
10620 Oaklyn Dr,Potomac, MD 20854, Potomac, MD
Other Locations
Burlingame, CA ยท Berkeley, CA ยท Makawao, HI and 2 more
Profiles Found
8 people with this name
Phone Numbers
(718) 609-1359 and 6 others on file
Email
swushu@msn.com and 1 other on file
Possible Relatives
Chuyu Julie Pei, Pei Chuyujulie, Julie J Pei, Anthony L Pei, Adam Dul and 4 more
Career
United States Wushu Academy, H&m
Properties
1property owned
PPP Loans
$7824K for Ops Sales Company, City On A Hill
White House
1 recorded visit

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 Christopher Pei. Because public records are indexed by name rather than by a unique identifier, the 74 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.

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 Christopher Pei

Search Complexity: High

74 public records across 5states, belonging to approximately 8 different individuals. With 8 distinct profiles across 5 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 5 states. Highest concentration: California (7%), followed by Maryland and Virginia. Spans the South and West regions.

CA5recordsMD4recordsVA3recordsNY1recordHI1record

Record Type Breakdown

Data spans 5 record categories. Largest: PPP Loan Records (71%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (8) and Business & Corporate Filings (6).

50
PPP Loan Records
8
Contact & Address Records
6
Business & Corporate Filings
4
Property Ownership Records
2
Corporate Records

Age Distribution

Age range: approximately 32 years, suggesting multiple generations. Largest group: Middle-Age (40-64) (50%).

Middle-Age (40-64)2peopleYounger Adult (25-39)2people

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

Frequently Asked Questions About Christopher Pei

Does Christopher Pei own property?
County assessor records show 4 properties associated with Christopher Pei . 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 businesses are associated with Christopher Pei?
We found 6 business affiliations for Christopher Pei (null). Other companies include h&m. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Christopher Pei?
Our database contains 74 total records for Christopher Pei spanning 5 states. This includes 8 distinct contact records, 8 with phone numbers, 1 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 Christopher Pei?
The 74 records displayed for Christopher Pei 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 Christopher Pei 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.