Fred Heaney

Age 74 b. 1951-11-10
๐Ÿ“ 60145 Locust Rd, South Bend In 46614
๐Ÿ“ž (574) 340-5136, (574) 340-5194, (574) 231-0688
โœ‰๏ธ DEBHEANEY@ATT.NET, debheaney@att.net, fredheaney@att.net

Fred Heaney

Age 86 b. 1939-12-09
๐Ÿ“ 3108 Schneider Rd, Toledo Oh
๐Ÿ“ž (419) 382-2392, (419) 215-7623, (713) 515-5281
โœ‰๏ธ FRED_HEANEY@SBCGLOBAL.COM, fred_heaney@sbcglobal.com, fred_heaney@sbcglobal.net

Fred Heaney from Louisville, CO

Male
๐Ÿ“ 1117 La Farge Ave
๐Ÿ“ž (303) 250-7753 (Cell), (303) 665-8528

Fred Heaney from South Bend, IN

Age 74 b. Nov 1951 St Joseph Co.
๐Ÿ“ 60145 Locust Rd
๐Ÿ“ž (574) 231-0688

Fred Heaney from Toledo, OH

Age 86 b. Dec 1939 Lucas Co.
๐Ÿ“ 1255 Oakhill Ct 281
๐Ÿ“ž (304) 722-5042

Fred Heaney from Toledo, OH

Age 55 b. Jun 1970 Lucas Co.
๐Ÿ“ 3108 Schneider Rd
๐Ÿ“ž (419) 382-0764

Fred Heaney

๐Ÿ“ 60145 Locust, South Bend In 46614
๐Ÿ“ž (574) 231-0688
โœ‰๏ธ FREDHEANEY@ATT.NET

Fred Heaney from Trenton, NJ

Male
๐Ÿ“ 200 W Cedar St
๐Ÿ“ž (609) 468-6688 (VERIZON WIRELESS)

Fred Heaney from West Paterson, NJ

Age 109 b. Jun 1916
๐Ÿ“ 10 W 31st St

Fred Heaney from Linwood, NC

Age 45 b. Aug 1980 Davidson Co.
๐Ÿ“ 1351 Wilson Rd

Fred Heaney from Louisville, CO

๐Ÿ“ 1117 Lafarge Avenue, Louisville, CO 80027
๐Ÿ“ž (303) 665-8528

Fred Heaney from Maumee, OH

Lucas Co.
๐Ÿ“ 2423 S Holland Sylvania Rd

Fred Heaney from South Bend, IN

St Joseph Co.
๐Ÿ“ 3232 Kent Ln

Fred Heaney from Lexington, NC

Davidson Co.
๐Ÿ“ 807 Olympia St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 14 contact records for Fred Heaney across 5 states. The most recent address on file is in Louisville, Colorado. Of these records, 9 include phone numbers and 3 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Heaney, Fred

Passaic County
PIN: 1605_7_6
· 214 Woodcliffe Ave
Lot: 1,821sqft

Heaney Fred W & Debra A

St-joseph County
· 60145 Locust Rd, South-Bend

Heaney, Fred

Residential Passaic County
· 214 Woodcliffe Ave, 07424

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Fred Heaney in South-Bend. Values shown are from county assessor records and may differ from current market prices.

fred HARVEY heaney

Republican Reg: 12/01/2015
1701 Haden Grove Church Rd, Linwood, NC, 27299
DOB: 1980 Gender: Male
County: Davidson

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for Fred Heaney in North Carolina. Party affiliation is listed as REP. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1991 ACURA INTEGRA
ยท Registered to: Fred Heaney
ยท VIN: JH4DA9393MS034021
·
1351 Wilson Rd, Linwood, NC, 27299
2002 VOLKSWAGEN GTI CAR BASIC SPORTY
ยท Registered to: Fred Heaney
ยท VIN: 9BWDE61J224031808
·
1351 Wilson Rd, Linwood, NC, 27299
2004 Ford Explorer
ยท Registered to: Fred Heaney
ยท VIN: 1FMZU77K34UA47397
·
1351 Wilson Rd, Linwood, NC, 27299
2009 CHEVROLET IMPALA
ยท Registered to: Fred Heaney
ยท VIN: 2G1WT57K391161510
·
3108 Schneider Rd, Toledo, OH, 43614

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Fred Heaney. Registered makes include Acura, Volkswagen, Ford, Chevrolet. 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.

Shaffner-Heaney Assoc Inc

President
(574) 232-7470
South Bend, IN
Fabricated Metal Products other than Transport and Machinery Equipment (Equipment)

Shaffner Heaney & Assoc

Fred HeaneyChairman Of The Board
(502) 297-0019fheaney@shaffnerheaney.com
Louisville, KY

Fred Heaney

United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 4 business affiliations were found for Fred Heaney. Companies include Shaffner-Heaney Assoc Inc, Shaffner Heaney & Assoc. Records are compiled from state business registries, SEC filings, and professional networking databases.

Shaffner-Heaney Associates, INC.

Filed: Jul 22, 2011
CEO: Fred W Heaney

Shaffner Heaney Associates, INC.

Addr: 2508 South Main St., South Bend, IN, 46614
IN
Officer: Fred W. Heaney

Shaffner Heaney Associates, INC.

Addr: 2508 South Main Street, South Bend, IN, 46614-1016
IN
Officer: Fred W. Heaney

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Fred W. Heaney

Addr: 2508 South Main Street, South Bend, IN, 46614
IN

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Heaney.fred. W.

Addr: 2508 S. Main St., South Bend, IN, 46614
IN

Fred W Heaney

Addr: 2508 S Main St, South Bend, IN, 46614
IN

Unknown Corporation

Business Development Corporation/Cooperative Corporation/Federally Chartered Company/Foreign Corporation/Kentucky Corporation/Professional Services Corporation/Foreign Professional Services Corp./Kentucky Professional Services Corp/Kentucky Cooperative Corporation/Foreign Cooperative Corporation/Kentucky Mutual Insurance Co./Foreign Mutual Insurance Co.
Officer: Fred W Heaney

Unknown Corporation

PRESIDENT: Fred W. Heaney

Fred W. Heaney,

Addr: 2508 S. Main St., South Bend, IN, 46614
IN

Fred W. Heaney,

Addr: 2508 S. Main St., South Bend, IN, 46614
IN

Unknown Corporation

Addr: 2508 S Main St, South Bend, IA, 46614
IA
PRESIDENT: Fred W Heaney

Unknown Corporation

Officer: fred W. heaney

Unknown Corporation

PRESIDENT: Fred W Heaney

Unknown Corporation

Addr: South Bend, WA
Officer: Fred Heaney

Source: Public Records Fred Heaney appears in 20 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$5 Aug 9, 2020
2020
Let America Vote Pac
Heaney, Fred Not Employed Toledo, OH
$8 Mar 5, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$6 May 9, 2014
2014 DEM
Progressive Change Campaign Committee
Heaney, Fred Not Employed Toledo, OH
$10 Sep 20, 2014
2014 DEM
Brown, Sherrod
Heaney, Fred Not Employed Toledo, OH
$10 May 23, 2014
2014 DEM
Pryor, Mark L
Heaney, Fred Not Employed Toledo, OH
$25 Aug 10, 2016
2016 DEM
Strickland, Ted
Heaney, Fred Not Employed Toledo, OH
$6 Feb 3, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$2 Feb 8, 2013
2014
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$96 Feb 3, 2016
2016 DEM
Sanders, Bernard
Heaney, Fred C Not Employed Toledo, OH
$50 Sep 21, 2010
2010 DEM
Fedor, Teresa
Heaney, Fred Retired Toledo, OH
$25 Jul 31, 2008
2008 DEM
House Democratic Caucus Fund Of Ohio
Heaney, Fred C Toledo, OH
$50 Mar 15, 2016
2016 DEM
Strickland, Ted
Heaney, Fred C Not Employed Toledo, OH
$5 Aug 9, 2020
2020
Let America Vote Pac
Heaney, Fred Not Employed Toledo, OH
$50 Mar 15, 2016
2016 DEM
Strickland, Ted
Heaney, Fred Not Employed Toledo, OH
$6 Nov 7, 2011
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$8 Apr 3, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$20 Apr 16, 2013
2014
House Democratic Caucus Fund
Heaney, Fred C Sr Toledo, OH
$20 Jul 31, 2010
2010 DEM
Strickland, Ted & Brown, Yvette McGee
Heaney, Fred C Retired None Toledo, OH
$50 Oct 29, 2016
2016 DEM
Actblue
Heaney, Fred C Retired @ Not Employed Toledo, OH
$9 Jul 5, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$5 Aug 9, 2020
2020 DEM
Congressional Progressive Caucus Pac
Heaney, Fred Not Employed Toledo, OH
$50 Apr 28, 2016
2016 DEM
Sanders, Bernard
Heaney, Fred Not Employed Toledo, OH
$8 Nov 6, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$7 Jun 5, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$1 Dec 8, 2011
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$8 Sep 7, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$50 Sep 29, 2016
2016 DEM
Strickland, Ted
Heaney, Fred Not Employed Toledo, OH
$50 Jun 2, 2011
2012 DEM
Fedor, Teresa
Heaney, Fred Retired Toledo, OH
$50 Jun 30, 2015
2016 DEM
Sanders, Bernard
Heaney, Fred Not Employed Toledo, OH
$7 Jan 5, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$50 Jun 30, 2015
2016 DEM
Strickland, Ted
Heaney, Fred Not Employed Toledo, OH
$8 Dec 6, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$8 May 4, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$20 May 3, 2013
2014 DEM
Fedor, Teresa
Heaney, Fred Toledo, OH
$10 Jul 31, 2009
2010 DEM
House Democratic Caucus Fund Of Ohio
Heaney, Fred C Toledo, OH
$5 May 9, 2020
2020
Let America Vote Pac
Heaney, Fred Not Employed Toledo, OH
$50 Apr 28, 2016
2016 DEM
Sanders, Bernard
Heaney, Fred C Not Employed Toledo, OH
$25 Aug 4, 2010
2010 DEM
House Democratic Caucus Fund Of Ohio
Heaney, Fred C Toledo, OH
$5 Aug 3, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$10 Oct 3, 2012
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$6 Dec 8, 2011
2012
Sheet Metal Workers Local 33 Toledo District Pac
Heaney, Fred Toledo, OH
$50 Apr 27, 2012
2012 DEM
Fedor, Teresa
Heaney, Fred Retired Toledo, OH
$20 Sep 10, 2015
2016 DEM
Fedor, Teresa
Heaney, Fred Toledo, OH
$20 Apr 16, 2013
House Democratic Caucus Fund
Contributor Toledo, OH
$50 Oct 29, 2016
Unknown Committee
Heaney, Fred C Sr Retired @ Not Employed Toledo, OH
$50
2010 D
Fedor, Teresa
Contributor Retired Toledo, OH

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 46 political contribution records found for Fred Heaney. Total disclosed contributions amount to $1,082. Recipients include House Democratic Caucus Fund, Fedor, Teresa. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Fred W Heaney

Age 65 Male
·
60145 Locust Rd, South Bend, IN 46614 (St Joseph County)
41.6201, -86.2823
· (574) 231-0688
Marital: Married TZ: Eastern
Homeowner Single Family Built 2005
MP

Fred Heaney

Male
·
1117 La Farge Ave, Louisville, CO 80027 (Boulder County)
39.9812, -105.1340
· (303) 665-8528
Marital: Married TZ: Mountain
Homeowner Single Family Built 1956 Purchased 1990

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with Fred Heaney. 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 Fred Heaney. These loans were issued to businesses, not individuals.

Shaffner-Heaney Associates, INC.

Subchapter S Corporation

$855,600 Paid in Full
Address:
2508 S Main St
South Bend, IN46614-1016
Approved

Apr 11, 2020

Forgiven

$863,148

Jobs Reported

58

Loan #

3599637103

Loan Size

Medium

Maurice Huntley Jr

Sole Proprietorship

$20,557 Exemption 4
Address:
4857 Kingshill Dr
Columbus, OH43229-6238
Approved

Apr 24, 2021

Jobs Reported

1

Loan #

1350608902

Loan Size

Small

Jumeece Brown

Sole Proprietorship

$20,557 Paid in Full
Address:
4857 Kingshill Dr
Columbus, OH43229-6238
Approved

Apr 15, 2021

Forgiven

$20,650

Jobs Reported

1

Loan #

3587868809

Loan Size

Small

Zheriek Saffold

Sole Proprietorship

$20,832 Paid in Full
Address:
4857 Kingshill Dr
Columbus, OH43229-6238
Approved

Apr 4, 2021

Forgiven

$20,964

Jobs Reported

1

Loan #

6568518709

Loan Size

Small

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

Find Fred Heaney 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
4
1
20
1
6
2
7
1

Fred Heaney in South Bend, IN: Background Summary

Location
60145 Locust Rd, South Bend In 46614, South Bend, IN
Other Locations
Louisville, CO ยท Toledo, OH ยท Trenton, NJ and 4 more
Profiles Found
14 people with this name
Phone Numbers
(574) 340-5136 and 10 others on file
Email
debheaney@att.net and 3 others on file
Career
Shaffner-Heaney Assoc Inc, Shaffner Heaney & Assoc
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
4 linked โ€” 1991 Acura Integra, 2002 Volkswagen Gti and 2 more
Contributions
$1,081.77 total โ€” Fedor, Teresa, House Democratic Caucus Fund
PPP Loans
$918K for Shaffner-Heaney Associates, INC., Maurice Huntley Jr

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 Fred Heaney. Because public records are indexed by name rather than by a unique identifier, the 105 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.

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 โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” 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 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 Fred Heaney

Search Complexity: High

105 public records across 8states, belonging to approximately 14 different individuals. With 14 distinct profiles across 8 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

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 widely distributed across 8 states. Highest concentration: Indiana (19%), followed by Ohio and North Carolina. Spans the Midwest and South regions.

IN20recordsOH7recordsNC6recordsCO4recordsNJ2recordsKY1record

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (45%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (21) and Corporate Records (20).

46
Political Contribution Records
21
Contact & Address Records
20
Corporate Records
4
Vehicle Registration Records
4
Business & Corporate Filings
4
PPP Loan Records

Age Distribution

Age range: approximately 64 years, suggesting multiple generations. Largest group: Senior (65+) (60%).

Senior (65+)3peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Fred Heaney

Is Fred Heaney a registered voter?
Yes, voter registration records show Fred Heaney is registered in North Carolina with REP affiliation. 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 Fred Heaney own property?
County assessor records show 3 properties associated with Fred Heaney . 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 Fred Heaney?
Records show 4 vehicle registrations associated with Fred Heaney, including a 1991 ACURA INTEGRA. Registered makes include Acura, Volkswagen, Ford, Chevrolet. 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 Fred Heaney?
We found 4 business affiliations for Fred Heaney, including Shaffner-Heaney Assoc Inc. Other companies include Shaffner Heaney & Assoc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Fred Heaney made political donations?
FEC disclosure records show 46 reported political contributions from Fred Heaney, totaling $1,082. Recipients include House Democratic Caucus Fund and Fedor, Teresa. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Fred Heaney?
Our database contains 105 total records for Fred Heaney spanning 8 states. This includes 14 distinct contact records, 9 with phone numbers, 3 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 Fred Heaney?
The 105 records displayed for Fred Heaney 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 Fred Heaney 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.