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James Manier

Age 90 b. 1935-05-31
📍 1105 Westlake Cir, Van Buren Twp Mi 48111
📞 (111) 111-0001, (734) 516-9586
✉️ NA@NA.COM, na@na.com

James Manier from Evergreen, CO

Age 72
📍 27496 Cragmont Dr, Evergreen, CO 80439
📞 (360) 344-4284, (503) 281-6786, (415) 437-1953, (415) 626-8540, (360) 344-4284, (415) 346-6707, (415) 437-1953, (415) 626-8540, (415) 637-3202, (503) 281-6786
👨‍👩‍👧 Relatives: Karen A Manier,Frank C Manier,Daniel James Manier,Gregory Andrew Manier,Mollie K Manier,En Trust Manier,Karen A Manier,Karen A Manier

James Manier from Cookeville, TN

Age 76
📍 988 Indian Hills Rd, Cookeville, TN 38506
📞 (931) 526-3902, (931) 526-3902, (931) 537-3018
👨‍👩‍👧 Relatives: Chilato Manier,Jimmy D Manier,John E Manier,Jeffrey R Manier

James Manier from Rialto, CA

Age 99 b. Apr 1926 San Bernardino Co.
📍 245 E 1st St Apt 2035
📞 (909) 877-8633

James Manier

📍 953 Water St, Port Townsend Wa
📞 (360) 903-5946, (360) 344-4284
✉️ JFM@CABLESPEED.COM

James Manier from Shelby Township, MI

Age 82 b. Apr 1943 Macomb Co.
📍 53329 Ruann Dr 250
📞 (847) 854-9021

James Manier from Belleville, MI

Age 65 b. Jun 1960 Wayne Co.
📍 1105 Westlake Cir
📞 (734) 697-1196

James Manier from San Francisco, CA

Male
📍 1097 Howard St
📞 (415) 637-3202 (SPRINT)

James Manier from Minneapolis, MN

Age 72 b. Mar 1954 Hennepin Co.
📍 708 66th Ave N

James Manier from Grantsburg, IL

Age 66 b. 1960 Johnson Co.
📍 2045 Central Hill Rd

James Manier from San Francisco, CA

Age 83 b. Apr 1942 San Francisco Co.
📍 1097 Howard St 205

James Manier from Mesa, AZ

Age 99 b. Aug 1926 Maricopa Co.
📍 994 438th 877

James Manier from Monterey, CA

Age 83 b. Apr 1942 Monterey Co.
📍 151 Surf Way Wa 19

James Manier from Burnsville, MN

Age 72 b. Mar 1954 Dakota Co.
📍 511 Timberland Dr

James Manier from Atlanta, IN

Age 71 b. Sep 1954 Hamilton Co.
📍 28455 N State Rd 19

James Manier from Battlefield, MO

Age 99 b. Apr 1926 Greene Co.
📍 5460 S Honeysuckle Ln

James Manier from Corvallis, OR

Age 83 b. Apr 1942 Benton Co.
📍 3500 Nw Van Buren Ave

James Manier from Philadelphia, PA

Age 77 b. Sep 1948 Philadelphia Co.
📍 4326 E Howell St

James Manier from Riverside, CA

Age 91 b. 1935 Male
📍 2364 University Ave
📞 (951) 248-1199

James Manier from Boynton Beach, FL

Palm Beach Co.
📍 424 Se 20th St
📞 (816) 537-8816

James Manier from Kearny, NJ

Hudson Co.
📍 32 Beech St
📞 (732) 679-1455

James Manier from Rialto, CA

San Bernardino Co.
📍 377 E Home St

James Manier from Lithonia, GA

Dekalb Co.
📍 2079 Corners Circle Trce

James Manier from Eden, MD

Worcester Co.
📍 14571 Sandy Ln

James Manier from Cookeville, TN

Putnam Co.
📍 Rr 1 Po Box 435

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 25 contact records for James Manier across 15 states. The most recent address on file is in Rialto, California. Of these records, 11 include phone numbers and 2 include email addresses. Ages range from 72 to 76, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Manier James Edward

Putnam County
· 988 Indian Hills Road, Cookeville

James R Manier

2021 Madison County
· Route 92, Cazenovia

James R Manier

2022 Madison County
· Route 92, Cazenovia

James R Manier

2023 Madison County
· Route 92, Cazenovia

James R Manier

2023 Madison County
· 4293 Route 92, Cazenovia

James R Manier

2022 Madison County
· 4293 Route 92, Cazenovia

James R Manier

2024 Madison County
· Route 92, Cazenovia

James R Manier

2024 Madison County
· 4293 Route 92, Cazenovia

James R Manier

2021 Madison County
· 4293 Route 92, Cazenovia

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 9 property records linked to James Manier in Cookeville. Values shown are from county assessor records and may differ from current market prices.

James F Manier

Reg: 01/09/2006
953 Water St, Port Townsend, WA, 98368
DOB: 04/08/1942 Gender: Male
County: JE

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

2010 TOYOTA COROLLA
· Registered to: James Manier
· VIN: 1NXBU4EE9AZ202351
·
511 Timberland Dr, Burnsville, MN, 55337-2769
2012 Toyota 4Runner
· Registered to: James Manier
· VIN: JTEBU5JR4C5080686
·
988 Indian Hills Rd, Cookeville, TN, 38506-5028
·
(931) 265-9701
2006 TOYOTA 4 RUNNER FULL SIZE UTILITY
· Registered to: James Manier
· VIN: JTEBT17R768031665
·
988 Indian Hills Rd, Cookeville, TN, 38506
·
(931) 526-3902
2009 Jeep Grand Cherokee
· Registered to: James Manier
· VIN: 1J8HR58P09C553498
·
2341 S 800 W, Tipton, IN, 46072-9022
2019 RAM RAM PICKUP 1500 CLAS
· Registered to: James Manier
· VIN: 1C6RR7KG3KS508655
·
988 Indian Hills Rd, Cookeville, TN, 38506
2010 HONDA RIDGELINE PICKUP
· Registered to: James Manier
· VIN: 5FPYK1F50AB001424
·
988 Indian Hills Rd, Cookeville, TN, 38506
·
(931) 526-3902

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with James Manier. Registered makes include Toyota, Jeep, Ram, Honda. The most recent model year on record is 2019. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

James Manier

It Service Desk at United

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 2 business affiliations were found for James Manier. Records are compiled from state business registries, SEC filings, and professional networking databases.

james manier

A
Addr: Johnston City, IL

Source: State Professional Licensing Boards · Dept. of Professional Regulation James Manier 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.

James Manier

Westwood High School - Ishpeming, MI, MI
2007

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

$4 Jul 29, 2014
2014 DEM
Actblue
Manier, James Not Employed Port Townsend, WA
$4 Jul 29, 2014
DEM
Actblue
Contributor Not Employed Port Townsend, WA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 2 political contribution records found for James Manier. Total disclosed contributions amount to $7. Recipients include Actblue. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

James Manier

Age 82 Male
·
2364 University Ave, Riverside, CA 92507 (Riverside County)
33.9755, -117.3600
· (951) 313-7108
Marital: Single TZ: Pacific
Edu: High School
Single Family
MP

James L Manier

Age 57 Male
·
2045 Central Hill Rd, Grantsburg, IL 62943 (Johnson County)
37.3377, -88.7871
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family
MP

James T Manier

Age 91 Male
·
245 E 1st St, Rialto, CA 92376 (San Bernardino County)
34.1006, -117.3670
· (909) 877-8633
Marital: Married TZ: Pacific
Edu: High School
Multi-Family
MP

James W Manier

Age 63 Male
·
511 Timberland Dr, Burnsville, MN 55337 (Dakota County)
44.7612, -93.2867
· (952) 303-6353
Marital: Married TZ: Central
Occ: Service Industry Edu: Some College
Homeowner Single Family Built 1958 Purchased 2007
MP

James A Manier

Age 29 Male
·
621 Cleveland Ave, Ishpeming, MI 49849 (Marquette County)
46.4900, -87.6618
Marital: Married TZ: Eastern
Occ: Professional
Single Family
MP

James A Manier

Age 29 Male
·
21903 US Highway 41, Champion, MI 49814 (Marquette County)
46.4924, -87.8353
· (906) 204-2047
TZ: Eastern
Homeowner Single Family Built 1976 Purchased 2015
MP

James Manier

Age 60 Male
·
414 1/2 E Ocean Ave, Boynton Beach, FL 33435 (Palm Beach County)
26.5240, -80.0682
Marital: Inferred Single TZ: Eastern

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with James Manier. 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 Manier. These loans were issued to businesses, not individuals.

Mary Love

Independent Contractors

$15,047 Paid in Full
Address:
245 E 1st St Apt 256
Rialto, CA92376-8969
Approved

May 13, 2021

Forgiven

$15,114

Jobs Reported

1

Loan #

1778239002

Loan Size

Small

Caroletta Nicholson

Independent Contractors

$15,025 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

Apr 28, 2021

Forgiven

$15,077

Jobs Reported

1

Loan #

3747938904

Loan Size

Small

Jaymi Munford

Sole Proprietorship

$18,317 Exemption 4
Address:
245 E 1st St Apt 2038
Rialto, CA92376-8946
Approved

May 12, 2021

Jobs Reported

1

Loan #

8991238900

Loan Size

Small

Sweet Manufacturing CORP.

Limited Liability Company(LLC

$3,150 Paid in Full
Address:
111 E Chestnut St Unit 36k
Chicago, IL60611
Approved

Apr 28, 2020

Forgiven

$3,195

Jobs Reported

1

Loan #

7121527202

Loan Size

Small

Jill Hammelman

Sole Proprietorship

$1,610 Paid in Full
Address:
111 E Chestnut St Apt 21b
Chicago, IL60611-2090
Approved

May 1, 2020

Forgiven

$1,624

Jobs Reported

1

Loan #

9328547302

Loan Size

Small

Lune Medical Group, LTD

Corporation

$28,540 Paid in Full
Address:
111 E Chestnut St Apt 52k
Chicago, IL60611-6031
Approved

May 1, 2020

Forgiven

$28,810

Jobs Reported

1

Loan #

5526037708

Loan Size

Small

James Carmichael

Sole Proprietorship

$20,832 Exemption 4
Address:
245 E 1st St Apt 1035
Rialto, CA92376-8918
Approved

Apr 29, 2021

Jobs Reported

1

Loan #

4876398909

Loan Size

Small

Henry Morrison

Independent Contractors

$8,332 Paid in Full
Address:
245 E 1st St Apt 2086
Rialto, CA92376-8957
Approved

Mar 25, 2021

Forgiven

$8,373

Jobs Reported

1

Loan #

9247878606

Loan Size

Small

Rawda Investment Capital INC.

Corporation

$80,857 Paid in Full
Address:
111 E Chestnut St
Chicago, IL60611-6009
Approved

Apr 30, 2020

Forgiven

$23,512

Jobs Reported

2

Loan #

7109807309

Loan Size

Small

Wanda Miles

Sole Proprietorship

$20,830 Paid in Full
Address:
245 E 1st St Apt 1098
Rialto, CA92376-8934
Approved

Apr 29, 2021

Forgiven

$20,999

Jobs Reported

1

Loan #

4665638909

Loan Size

Small

The Pg Group INC

Corporation

$42,530 Paid in Full
Address:
111 E Chestnut St # 1003
Chicago, IL60611-2051
Approved

Jan 27, 2021

Forgiven

$42,878

Jobs Reported

3

Loan #

6398408304

Loan Size

Small

Richard Washington

Sole Proprietorship

$20,832 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

May 29, 2021

Forgiven

$20,900

Jobs Reported

1

Loan #

9448979005

Loan Size

Small

Cr Productions INC.

Sole Proprietorship

$7,000 Paid in Full
Address:
111 E Chestnut St
Chicago, IL60611-2051
Approved

Feb 13, 2021

Forgiven

$7,025

Jobs Reported

1

Loan #

8752088405

Loan Size

Small

Jasmine Daniels

Independent Contractors

$10,317 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

Apr 28, 2021

Forgiven

$10,386

Jobs Reported

1

Loan #

4085278901

Loan Size

Small

Jill Hammelman

Sole Proprietorship

$6,270 Paid in Full
Address:
111 E Chestnut St Apt 21B
Chicago, IL60611-2090
Approved

Mar 26, 2021

Forgiven

$6,306

Jobs Reported

1

Loan #

9561848606

Loan Size

Small

Angelica Beltran

Sole Proprietorship

$20,281 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

May 22, 2021

Forgiven

$20,342

Jobs Reported

1

Loan #

5491569008

Loan Size

Small

Bridgetta Coleman

Sole Proprietorship

$8,750 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8908
Approved

Mar 30, 2021

Forgiven

$8,818

Jobs Reported

1

Loan #

2626018702

Loan Size

Small

Jasmine Daniels

Independent Contractors

$10,317 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

Apr 3, 2021

Forgiven

$10,357

Jobs Reported

1

Loan #

6304838707

Loan Size

Small

Rawda Investment Capital INC.

Corporation

$30,000 Paid in Full
Address:
111 E Chestnut St Apt 31C
Chicago, IL60611-6009
Approved

Jan 21, 2021

Forgiven

$30,132

Jobs Reported

2

Loan #

3049348308

Loan Size

Small

Lulu Ozcakir

Independent Contractors

$20,832 Paid in Full
Address:
111 E Chestnut St 52K
Chicago, IL60611
Approved

May 2, 2020

Forgiven

$21,050

Jobs Reported

1

Loan #

9390147301

Loan Size

Small

Caroletta Nicholson

Independent Contractors

$15,025 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

May 23, 2021

Forgiven

$15,060

Jobs Reported

1

Loan #

6616729007

Loan Size

Small

Sheree Wong

Sole Proprietorship

$20,832 Paid in Full
Address:
111 E Chestnut St
Chicago, IL60611-2051
Approved

Jan 25, 2021

Forgiven

$20,953

Jobs Reported

1

Loan #

5613628310

Loan Size

Small

Angelica Beltran

Sole Proprietorship

$20,281 Paid in Full
Address:
245 E 1st St
Rialto, CA92376-8969
Approved

Apr 17, 2021

Forgiven

$20,403

Jobs Reported

1

Loan #

5067278804

Loan Size

Small

Shostrand LLC

Sole Proprietorship

$15,417 Paid in Full
Address:
111 E Chestnut St Apt 47F
Chicago, IL60611-6025
Approved

Mar 17, 2021

Forgiven

$15,489

Jobs Reported

1

Loan #

3625668603

Loan Size

Small

Vickie Roberts

Sole Proprietorship

$20,833 Paid in Full
Address:
245 E 1st St Apt 2101
Rialto, CA92376-8960
Approved

Apr 26, 2021

Forgiven

$20,903

Jobs Reported

1

Loan #

2017038909

Loan Size

Small

The Pg Group, INC.

Corporation

$35,000 Paid in Full
Address:
111 E Chestnut St Ste. 1003
Chicago, IL60611
Approved

Apr 14, 2020

Forgiven

$35,333

Jobs Reported

4

Loan #

6378247104

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 26 PPP loan records are linked to businesses associated with James Manier. 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 Manier on the map

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Found 43 results across 16 states

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James Manier in Van Buren Twp, MI: Background Summary

Location
1105 Westlake Cir, Van Buren Twp Mi 48111, Van Buren Twp, MI
Other Locations
Rialto, CA · Shelby Township, MI · Belleville, MI and 16 more
Profiles Found
25 people with this name
Phone Numbers
(734) 516-9586 and 10 others on file
Email
na@na.com and 1 other on file
Possible Relatives
Karen A Manier, Frank C Manier, Daniel James Manier, Gregory Andrew Manier, Mollie K Manier and 5 more
Properties
1property owned
Vehicles
6 linked — 2010 Toyota Corolla, 2012 Toyota 4Runner and 4 more
Contributions
$7 total — Actblue
PPP Loans
$517K for Mary Love, Caroletta Nicholson

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 Manier. Because public records are indexed by name rather than by a unique identifier, the 84 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 Manier

Search Complexity: High

84 public records across 16states, belonging to approximately 25 different individuals. With 25 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: California (12%), followed by Michigan and Tennessee. Spans the Midwest and West regions.

CA10recordsMI6recordsTN5recordsIL4recordsMN4recordsWA2records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (38%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (26) and Property Ownership Records (9).

29
Contact & Address Records
26
PPP Loan Records
9
Property Ownership Records
6
Vehicle Registration Records
2
Business & Corporate Filings
2
Political Contribution Records

Frequently Asked Questions About James Manier

Is James Manier a registered voter?
Yes, voter registration records show James Manier is registered in Washington. 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 James Manier own property?
County assessor records show 9 properties associated with James Manier . 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 Manier?
Records show 6 vehicle registrations associated with James Manier, including a 2010 TOYOTA COROLLA. Registered makes include Toyota, Jeep, Ram, Honda. 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 Manier?
We found 2 business affiliations for James Manier. Business records are compiled from state registries, SEC filings, and professional databases.
Has James Manier made political donations?
FEC disclosure records show 2 reported political contributions from James Manier, totaling $7. Recipients include Actblue. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for James Manier?
Our database contains 84 total records for James Manier spanning 16 states. This includes 25 distinct contact records, 11 with phone numbers, 2 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 Manier?
The 84 records displayed for James Manier 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 Manier 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.