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Mr James J Harvard Jr from Elmira, NY

Age 78 b. 3/7/1947
📍 761 Jay St, #elmira, NY 14901-2516
✉️ dstinykinner@yahoo.com, destinykinner@yahoo.com
👨‍👩‍👧 Relatives: Stella A Harvard Sr,Aaron Howard,Alethea D Harvard,Derrek L Howard,Dorothy Delcia Tucker,Douglas E Howard,Harvard Jarvis,James F Barrett Jr,Sandra J Barrett,Shameika L Harvard,Yolanda R Harvard,Alvetta D Harvard,Amber Knights,Annabelle B Harvard,Annie M Knights,Anthony Knight Sr,Arthur L Knights,Casondra Barrett,Casondra J Barrett,Christopher D Barrett,Delcia M Allen,Dennek Howard,Dorothy Pucker,Elmer C Barrett,Elmer C Barrett,Helen S Howard,Holly S Barrett,James Knights,Jamie L Barrett,Janet L Barrett,Kara L Tucker,Keith J Raby,Kellie Lee Tucker,Linda M Jacobs,Mathew Porter,Matthew J Porter,Patricia V Tucker,Priscilla Porter,Sandra J Barrett,Sandra Porter,Sarah M Beavers,Sasha L Barrett,Shyannah S Barrett,Stella A Harvard,Timothy L Thomas,Tom Knights,Tommie Annie Knights,Vivian Knights,William M Tucker,Willie J Knight
🕐 16 previous addresses

James Harvard from Decatur, AL

Age 55
📍 3200 Leafwood Pl, Decatur, AL 35603
📞 (256) 509-0066, (228) 762-6899
✉️ redneck659@msn.com, southernheart@netscape.net
👨‍👩‍👧 Relatives: Joann Ann Harvard,James A Havard,Jo A Havard,Jo A Havard

James Harvard from Columbus, GA

Age 46
📍 4570 Saint Marys Rd, Columbus, GA 31907
📞 (270) 640-0813
✉️ badboy29_85670@yahoo.com
👨‍👩‍👧 Relatives: Shelly T Bright

James Harvard

Age 35 b. 1990-04-19
📍 402 Stanford, Baton Rouge La 70808
📞 (832) 359-2547, (832) 359-2547
✉️ AIREFFEX@YAHOO.COM, aireffex@yahoo.com

James Harvard from Prattville, AL

Age 57
📍 215 Doe Dr, Prattville, AL 36067
📞 (334) 361-8015, (334) 361-8015, (334) 462-1744, (334) 546-8017, (334) 546-8026, (850) 243-9399
✉️ hikingnut@aol.com
👨‍👩‍👧 Relatives: Pamela W Harvard,Brooks Harvard
🏪 Yonder Mountain Outfitters Llc, Harvard Real Property Consulting Llc

James Harvard

Age 70 b. 1955-09-18
📍 861 Nw 4th Ave, Pompano Beach Fl
📞 (954) 773-6525, (954) 782-6932
✉️ BERNIECEHARVARD@ATT.NET

James Harvard from Elmira, NY

Age 50
📍 808 Main St, Elmira, NY 14904
📞 (607) 737-1335, (607) 733-8414
👨‍👩‍👧 Relatives: Stella A Harvard,Alethea D Harvard,Alvetta Harvard,Jr James Harvard

James Harvard from Prattville, AL

Male
📍 215 Doe Dr
📞 (334) 462-1744 (AT&T MOBILITY), (334) 564-8017

James Harvard from Los Angeles, CA

Age 69 b. Jul 1956 Los Angeles Co.
📍 1145 W 85th St
📞 (323) 296-7575

James Harvard from Pompano Beach, FL

Age 85
📍 731 3rd Ave #b4, Pompano Beach, FL 33060
📞 (954) 946-0525

James Harvard from Detroit, MI

Age 93 b. Mar 1932 Wayne Co.
📍 20482 Monica St
📞 (313) 863-5355

James Harvard from Fort Wayne, IN

Age 55 b. Mar 1970
📍 2616 Belfast Dr
📞 (260) 498-2460
👤 aka James T Harward

James Harvard from Baltimore, MD

Age 81 b. Jun 1944 Baltimore City Co.
📍 4509 Bonner Rd
📞 (276) 762-7536

James Harvard from Baltimore, MD

Age 82 b. 1944 Baltimore City Co.
📍 2842 Rosalind Ave
📞 (410) 664-3877

James Harvard from Columbus, GA

Age 60 b. 1966 Muscogee Co.
📍 4570 Saint Marys Rd Apt F3
📞 (706) 682-0952

James Harvard from Fort Wayne, IN

Age 55 b. Mar 1970 Allen Co.
📍 3618 Warsaw St
📞 (260) 458-9267

James Harvard from Moss Point, MS

Age 66 b. 1960 Jackson Co.
📍 9920 Martin Young Rd
📞 (228) 475-9674

James Harvard from Plainfield, NJ

Age 66
📍 140 9th St, Plainfield, NJ 07060
📞 (908) 754-4749, (732) 627-8500, (908) 754-4749, (908) 241-5446

James Harvard from Centreville, MS

Age 55
📍 3 Po Box, Centreville, MS 39631
📞 (601) 645-5719

James Harvard from Fort Walton Beach, FL

Age 69 b. Feb 1957 Okaloosa Co.
📍 940 Santa Rosa Blvd 1736

James Harvard from North Miami, FL

Age 76 b. May 1949
📍 740 Nw 121st St
👤 aka James Earl Havard

James Harvard from Fort Lauderdale, FL

Age 82 b. Jan 1944
📍 1750 Nw 33rd Ave

James Harvard from Plainfield, NJ

Age 79 b. 1947 Union Co.
📍 140 E 9th St

James Harvard from Pompano Beach, FL

Age 70 b. Sep 1955 Broward Co.
📍 861 Nw 4th Ave

James Harvard from Aurora, CO

Arapahoe Co.
📍 16258 E Bates Dr
📞 (612) 781-7306

James Harvard from Decatur, AL

Morgan Co.
📍 3200 Leafwood Pl Sw
📞 (256) 353-5776

James Harvard from Pomb, FL

Broward Co.
📍 861 Nw 4
📞 (954) 942-3290

James Harvard from Lumberton, TX

Hardin Co.
📍 899 Bryan Ln
📞 (409) 751-3059

James Harvard from Citronelle, AL

Age 74 b. 1952 Male
📍 15845 Barney Carter Rd

James Harvard from Centreville, MS

Wilkinson Co.
📍 Po Box 3

James Harvard from Lucedale, MS

George Co.
📍 172 Magnolia Dr

James Harvard from Ft Lauderdale, FL

Broward Co.
📍 1750 Nw 33

James Harvard from Elmira, NY

Chemung Co.
📍 315 Sullivan St

James Harvard from Detroit, MI

Wayne Co.
📍 2606 S Ethel St

James Harvard from Honolulu, HI

Honolulu Co.
📍 407 Coral St Unit 187

James Harvard from Elmira, NY

Chemung Co.
📍 415 Linden Pl

James Harvard from Rapid City, SD

Pennington Co.
📍 7597 Crossbill Ci

James Harvard from Elmira, NY

Chemung Co.
📍 522 Penna Ave

James Harvard from Antioch, TN

Davidson Co.
📍 3008 Woodymore Pl

James Harvard from Elmira, NY

Chemung Co.
📍 1122 Lake St

James Harvard from Ft Lauderdale, FL

Broward Co.
📍 3111 N Andrews Ave

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 41 contact records for James Harvard across 15 states. The most recent address on file is in Prattville, Alabama. Of these records, 23 include phone numbers and 6 include email addresses. Ages range from 46 to 85, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Harvard,james Jr & Bernice

Broward County
PIN: 484235010481
· 861 NW 4 Ave, Pompano Beach 33060
Value: $51,840

Harvard James D & Yvonne M

Burlington County
· 92 Shive Place, Burlington-Twp

James A Harvard

2021 Onondaga County
· 301 Garden City, Salina

James A Harvard

2023 Onondaga County
· 301 Garden City, Salina

James A Harvard

2022 Onondaga County
· 301 Garden City, Salina

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 5 property records linked to James Harvard in Burlington-Twp. Values shown are from county assessor records and may differ from current market prices.

James D Harvard

Democrat
92 Shive Pl, Burlington, 08016
DOB: 11/26/1947
County: Burlington

James A Harvard

Reg: J30050
5064 Route 31, 14, 13041
DOB: 19790402 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for James Harvard. Party affiliation is listed as D. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2006 CHRYSLER 300
· Registered to: James Harvard
· VIN: 2C3KA53GX6H330944
·
15800 NW 17th Pl, Opa Locka, FL, 33054
·
(305) 621-3577
2007 LEXUS GS 350
· Registered to: James Harvard
· VIN: JTHCE96S470009806
·
92 Shive Pl, Burlington, NJ, 08016-1148
2013 Toyota RAV4
· Registered to: James Harvard
· VIN: 2T3RFREV9DW013250
·
7166 Desdemona Xing, Fort Wayne, IN, 46818
·
(260) 797-7147
2012 Toyota Tundra
· Registered to: James Harvard
· VIN: 5TFUW5F11CX231031
·
215 Doe Dr, Prattville, AL, 36067-4216
·
(334) 564-8017
2017 JEEP RENEGADE
· Registered to: James Harvard
· VIN: ZACCJABB5HPF23678
·
7166 Desdemona Xing, Fort Wayne, IN, 46818 9241

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 5 vehicle registration records are associated with James Harvard. Registered makes include Chrysler, Lexus, Toyota, Jeep. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

James Harvard

Co-Owner
Sbdesignerapparel
United Kingdom Retail
LinkedIn

James Harvard

Event Coordinator
White Birch Brewing
Massachusetts
james@whitebirchbrewing.com
LinkedIn

James Harvard

Baton Rouge, Louisiana Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 4 business affiliations were found for James Harvard. Companies include Sbdesignerapparel. Records are compiled from state business registries, SEC filings, and professional networking databases.

Harvard, James

Addr: 109 Ponderosa Lane Station 2181, Waleska, GA, 30183
GA

Source: Public Records James Harvard appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

James Harvard

Jul 26, 2011, 11:00 AM
· Meeting with: White House Staff
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA James Harvard 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.

James Harvard

San Marin High School - Novato, CA, CA
1999

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases James Harvard 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.

$50 Nov 4, 2020
2020 REP
Trump, Donald J
Harvard, James Analysts @ Usaf Prattville, AL
$50 Oct 14, 2020
2020 REP
Trump, Donald J
Harvard, James Analysts @ Usaf Prattville, AL
$50 Oct 28, 2020
2020 REP
Trump, Donald J
Harvard, James Analysts @ Usaf Prattville, AL
$50 Oct 14, 2020
REP
Trump, Donald J
Contributor Analysts @ Usaf Prattville, AL
$50 Nov 4, 2020
Unknown Committee
Harvard, James Analysts @ Usaf Prattville, AL

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 5 political contribution records found for James Harvard. Total disclosed contributions amount to $250. Recipients include Trump, Donald J. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

James Harvard

Male
·
1600 NW 16th Ct, Ft Lauderdale, FL 33311 (Broward County)
26.1480, -80.1656
TZ: Eastern
Single Family
MP

James E Harvard

Age 65 Male
·
15845 Barney Carter Rd, Citronelle, AL 36522 (Mobile County)
31.0197, -88.2357
TZ: Central
Single Family
MP

James D Harvard

Age 69 Male
·
92 Shive Pl, Burlington, NJ 08016 (Burlington County)
40.0650, -74.8819
· (732) 668-8753
TZ: Eastern
Homeowner Single Family Built 2009 Purchased 2009
MP

James W Harvard

Age 60 Male
·
215 Doe Dr, Prattville, AL 36067 (Autauga County)
32.4555, -86.4821
· (334) 462-1744
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1992 Purchased 1992

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 4 demographic profiles associated with James Harvard. 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 James Harvard. These loans were issued to businesses, not individuals.

Travion Davis

Sole Proprietorship

$17,750 Paid in Full
Address:
4570 Saint Marys Rd
Columbus, GA31907-6566
Approved

May 7, 2021

Forgiven

$17,854

Jobs Reported

1

Loan #

7685838900

Loan Size

Small

Devonte Streeter

Sole Proprietorship

$20,832 Paid in Full
Address:
4570 Saint Marys Rd Apt A16
Columbus, GA31907-6544
Approved

Apr 22, 2021

Forgiven

$20,998

Jobs Reported

1

Loan #

7823118808

Loan Size

Small

Christopher Chavers

Sole Proprietorship

$14,312 Paid in Full
Address:
4570 Saint Marys Rd Apt E4
Columbus, GA31907-6521
Approved

Mar 3, 2021

Forgiven

$14,390

Jobs Reported

1

Loan #

6318378505

Loan Size

Small

Kimelberg PLLC

Limited Liability Company(LLC

$30,770 Paid in Full
Address:
808 Main St
Buffalo, NY14202-1501
Approved

Apr 28, 2020

Forgiven

$26,917

Jobs Reported

2

Loan #

7272057200

Loan Size

Small

Sarah Tennent

Limited Liability Company(LLC

$3,502 Paid in Full
Address:
20482 Monica St
Detroit, MI48221-1239
Approved

Feb 9, 2021

Forgiven

$3,525

Jobs Reported

1

Loan #

5923368408

Loan Size

Small

Jennifer Wallace

Self-Employed Individuals

$10,395 Paid in Full
Address:
4570 Saint Marys Rd Apt E3
Columbus, GA31907-6521
Approved

Apr 23, 2021

Forgiven

$10,435

Jobs Reported

1

Loan #

9694308808

Loan Size

Small

Carol Minefee

Self-Employed Individuals

$20,833 Exemption 4
Address:
4570 Saint Marys Rd Apt A10
Columbus, GA31907-6543
Approved

Apr 18, 2021

Jobs Reported

1

Loan #

5672108808

Loan Size

Small

Eric Flint

Sole Proprietorship

$20,832 Paid in Full
Address:
4570 Saint Marys Rd Apt F15
Columbus, GA31907-6557
Approved

Apr 6, 2021

Forgiven

$20,928

Jobs Reported

1

Loan #

7390268702

Loan Size

Small

Sherena Harper

Sole Proprietorship

$20,833 Paid in Full
Address:
4570 Saint Marys Rd Apt E15
Columbus, GA31907-6554
Approved

May 2, 2021

Forgiven

$20,892

Jobs Reported

1

Loan #

6402288908

Loan Size

Small

Jonnell Minefee

Self-Employed Individuals

$20,833 Exemption 4
Address:
4570 Saint Marys Rd Apt A10
Columbus, GA31907-6543
Approved

Apr 18, 2021

Jobs Reported

1

Loan #

5875818809

Loan Size

Small

Travion Davis

Sole Proprietorship

$17,750 Paid in Full
Address:
4570 Saint Marys Rd
Columbus, GA31907-6566
Approved

Apr 15, 2021

Forgiven

$17,868

Jobs Reported

1

Loan #

3705118809

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 11 PPP loan records are linked to businesses associated with James Harvard. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find James Harvard on the map

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Found 60 results across 16 states

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James Harvard in Columbus, GA: Background Summary

Location
4570 Saint Marys Rd,Columbus, GA 31907, Columbus, GA
Other Locations
Prattville, AL · Los Angeles, CA · Detroit, MI and 21 more
Profiles Found
41 people with this name
Phone Numbers
(607) 737-1335 and 25 others on file
Email
dstinykinner@yahoo.com and 7 others on file
Possible Relatives
Stella A Harvard SR, Aaron Howard, Alethea D Harvard, Derrek L Howard, Dorothy Delcia Tucker and 51 more
Career
Sbdesignerapparel
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
5 linked — 2006 Chrysler 300, 2007 Lexus Gs 350 and 3 more
Contributions
$250 total — Trump, Donald J
PPP Loans
$199K for Travion Davis, Devonte Streeter
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 James Harvard. Because public records are indexed by name rather than by a unique identifier, the 88 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.

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 James Harvard

Search Complexity: High

88 public records across 16states, belonging to approximately 41 different individuals. With 41 distinct profiles across 16 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 16 states. Highest concentration: Florida (14%), followed by Alabama and New York. Spans the South and Northeast regions.

FL12recordsAL11recordsNY6recordsNJ5recordsGA5recordsMS4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (60%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (11) and Property Ownership Records (5).

49
Contact & Address Records
11
PPP Loan Records
5
Property Ownership Records
5
Vehicle Registration Records
5
Political Contribution Records
4
Business & Corporate Filings

Age Distribution

Age range: approximately 58 years, suggesting multiple generations. Largest group: Senior (65+) (56%).

Senior (65+)9peopleMiddle-Age (40-64)6peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About James Harvard

Is James Harvard a registered voter?
Yes, voter registration records show James Harvard is registered with D affiliation. We found 2 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does James Harvard own property?
County assessor records show 5 properties associated with James Harvard . 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 James Harvard?
Records show 5 vehicle registrations associated with James Harvard, including a 2006 CHRYSLER 300. Registered makes include Chrysler, Lexus, Toyota, Jeep. 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 James Harvard?
We found 4 business affiliations for James Harvard, including sbdesignerapparel. Business records are compiled from state registries, SEC filings, and professional databases.
Has James Harvard made political donations?
FEC disclosure records show 5 reported political contributions from James Harvard, totaling $250. Recipients include Trump, Donald J. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for James Harvard?
Our database contains 88 total records for James Harvard spanning 16 states. This includes 41 distinct contact records, 23 with phone numbers, 6 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 James Harvard?
The 88 records displayed for James Harvard 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 James Harvard 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.