OpenDataUSA

Quick Navigation

Joan Wu

Age 77 b. 1948-08-05
📍 3319 A Reagan, Dallas Tx 75219
📞 (214) 649-9108, (214) 820-2119
✉️ WUJUANA@SBCGLOBAL.NET, wujuana@sbcglobal.net

Joan Wu

📍 4922 N Francisco Ave Apt 1, Chicago Il
📞 (773) 230-2049, (773) 290-2049
✉️ OKAYTO@EARTHLINK.NET

Joan Wu from Irvine, CA

Age 57 b. Oct 1968 Orange Co.
📍 97 Nighthawk
📞 (718) 858-9417
👤 aka Joan Wu, Joan Chiachiu Wu, Wu Joan Chiachiu

Joan Wu from Dallas, TX

Age 78 b. 1948 Dallas Co.
📍 3319 Reagan St Apt 3319a
📞 (214) 520-0197

Joan Wu from Moorestown, NJ

Age 82 b. May 1943 Burlington Co.
📍 715 Brandywine Dr
📞 (856) 727-0265

Joan Wu from San Mateo, CA

Age 68 b. Sep 1957 San Mateo Co.
📍 1501 W Hillsdale Blvd
📞 (216) 831-5712
👤 aka Joan H Wusingel, Singel Joan Wu

Joan Wu from Dallas, TX

Age 65
📍 3319 Reagan St #a, Dallas, TX 75219
📞 (214) 520-0197, (214) 520-0197, (214) 520-0751, (214) 649-9108, (972) 931-6825, (817) 233-8054

Joan Wu from Brookline, MA

Female
📍 39 School St
📞 (617) 610-3382 (AT&T MOBILITY)

Joan Wu from Albany, CA

Age 60 b. 1966 Female
📍 981 Peralta Ave
📞 (510) 525-8664

Joan Wu from San Francisco, CA

Age 58 b. Oct 1967 San Francisco Co.
📍 1238 Stockton St
👤 aka Yan Qiong Wu, Wu Yan Qiong

Joan Wu from El Monte, CA

Age 51 b. Sep 1974 Los Angeles Co.
📍 3940 Maxson Rd

Joan Wu from Overland Park, KS

Age 45 b. Sep 1980 Johnson Co.
📍 12903 Flint St

Joan Wu from Chicago, IL

Age 99 b. Oct 1926 Cook Co.
📍 4922 N Francisco Ave

Joan Wu from Corona, CA

Age 83 b. 1943 Female
📍 1150 Sandra Cir
📞 (951) 454-8378

Joan Wu from Matawan, NJ

0
📍 30 Freneau Ave, Matawan, NJ 07747

Joan Wu from New York, NY

0
📍 2785 Broadway #5b, New York, NY 10025

Joan Wu from Fremont, CA

Alameda Co.
📍 1449 Lemos Ln
📞 (510) 770-9199

Joan Wu from Bozeman, MT

Gallatin Co.
📍 3185 Summer Cutoff Rd
👤 aka Joan H Wusingel, Singel Joan Wu

Joan Wu from Redondo Beach, CA

Los Angeles Co.
📍 520 N Prospect Ave Ste 206

Joan Wu from Redondo Beach, CA

Los Angeles Co.
📍 520 N Prospect Ave 206

Joan Wu from Arlington, TX

Tarrant Co.
📍 1504 Village Ci 130

Joan Wu from Mount Laurel, NJ

Burlington Co.
📍 25 Teddington Wa

Joan Wu from San Jose, CA

Santa Clara Co.
📍 2721 Peachwood Ct

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 23 contact records for Joan WU across 8 states. The most recent address on file is in Irvine, California. Of these records, 11 include phone numbers and 2 include email addresses. The listed age is 65. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Wu Joan

Dallas County
PIN: 00000148819300000
· 3319 Reagan St, TX
Built: 1953.0
Assessed: $175,000

Wu Joan

Pierce County
PIN: 7855900770
· 11813 153rd Stct E, WA
Assessed: $276,300

Wu Joan L Trustee

Horry County
· 1626 S Ocean Blvd, Little-River 29582.0

Wu, Joan L

Residential Burlington County
· 715 Brandywine Dr, 08057

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 4 property records linked to Joan WU in Little-River. Values shown are from county assessor records and may differ from current market prices.

Joan L Wu

Unaffiliated
715 Brandywine Dr, Moorestown, 08057
DOB: 5/10/1943
County: Burlington

Joan Chungsheu Wu

Gender: F

Joan Wu

BLK
38-18 27 Street, 11101
DOB: 19880204 Gender: Female

Joan Xiajiong Wu

7 Tall Pines Dr, Barrington, 02806

Joan Q Wu

Reg: 02/11/2016
11009 134th Ave, Puyallup, WA, 98374
DOB: 07/25/1964 Gender: Female
County: PI

Joan Kuen-Fung Wu

Reg: 01/23/1997
14225 44th St, Bellevue, WA, 98006
DOB: 02/04/1959 Gender: Female
County: KI

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Joan WU in Washington. Records show affiliations with U, BLK, which may reflect different individuals or changes over time. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2006 HONDA CR-V MINI SPORT UTILITY
· Registered to: Joan Wu
· VIN: JHLRD68536C018680
·
3319 Reagan St # A, Dallas, TX, 75219
2008 Volvo Xc90
· Registered to: Joan Wu
· VIN: YV4CZ982481445048
·
11009 134Th Ave E, Puyallup, WA, 98374-2074

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Joan WU. Registered makes include Honda, Volvo. The most recent model year on record is 2008. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

CM Store

Director
+19096739880joan@cmstore-usa.com
Chino,

Promap

Owner
(510) 415-5614
San Leandro, CA
Engineering, Management, Accounting, Research and Related Industries (Services)

Souris Valley United Way

Joan WuDirector
Minot, ND

Joan Wu

???? ???? ?? ???? ?? And ?? ??
Shanghai, Shanghai, China Marketing And Advertising
LinkedIn

United States Department Of Agriculture

Joan WuFood Safety Inspector
(802) 888-3557joan.wu@usda.gov
Morrisville, VT

Joan Wu

Houston, Texas Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 31 business affiliations were found for Joan WU. Companies include Promap, United States Department Of Agriculture. Roles listed include Director and Database Administrator. Records are compiled from state business registries, SEC filings, and professional networking databases.

Joan C. Wu, M.d., INC.

Filed: Oct 5, 2004
Registered Agent: Joan C Wu

Joan C. Wu, M.d., INC.

Filed: Oct 5, 2004
CEO: Joan C Wu

Joan Wu,

Addr: 12903 Flint Street, Overland Park, KS, 66213
KS

Joan C. Wu, M.d., INC.

Addr: 310 South Bentley Avenue, Los Angeles, CA, 90049
CA
CEO: Joan C Wu

Pacific Partners Environmental Consulting, LLC

ID: 603455507
Officer: Joan Wu

Unknown Corporation

Officer: Joan Wu

Source: Public Records Joan WU appears in 6 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Joan Wu

1995
Individual Female
NPI: 1144345372
School: UNIVERSITY OF CALIFORNIA (SAN DIEGO SCHOOL OF MEDICINE)

Source: CMS NPI Registry (NPPES) · State Medical Boards · Healthcare Provider Databases 1 healthcare provider record found for Joan WU in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

🏛️

Joan Wu

Evidence And Property Control Specialist
Department: Police Department
💵 Pay: $56,107.00
🏛️

Joan Wu

2020
School Secretary
Department: Dept Of Ed Pedagogical
💵 Pay: $44,219.00

Source: City/State Transparency Portals · Government Payroll Databases · Open Data Portals Joan WU appears in 2 government employment records from city, state, or federal transparency portals. Salary figures reflect taxpayer-funded public employee compensation and may not include overtime or benefits.

Joan M Wu

Group Tour
Jun 7, 2014, 11:00 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Joan WU 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.

Joan Wu

Woodbridge High School - Irvine, CA, CA
1987

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Joan WU 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.

$25 Dec 6, 2017
2018
Texas Association Of Realtors Political Action Committee
Wu, Joan Realtor Frisco, TX
$25 Dec 6, 2017
Texas Association Of Realtors Political Action Committee
Contributor Realtor Frisco, TX
$25
2018
Texas Association Of Realtors Political Action Committee
Contributor Realtor Frisco, TX
$25 20171206
Texas Association of REALTORS Political Action Committee
Contributor Realtor Frisco, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 4 political contribution records found for Joan WU. Total disclosed contributions amount to $98. Recipients include Texas Association Of Realtors Political Action Committee, Texas Association of REALTORS Political Action Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joan Wu

Age 90 Female
·
4922 N Francisco Ave, Chicago, IL 60625 (Cook County)
41.9714, -87.7011
· (773) 230-2049
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1921
MP

Joan J Wu

Age 50 Female
·
981 Peralta Ave, Albany, CA 94706 (Alameda County)
37.8876, -122.2850
· (510) 375-5877
TZ: Pacific
Edu: Graduate School
Homeowner Single Family Built 1918 Purchased 2009
MP

Joan Wu

Female
·
11813 153rd Street Ct E, Puyallup, WA 98374 (Pierce County)
47.1169, -122.2710
TZ: Pacific
Homeowner Single Family Built 1981 Purchased 2013
MP

Joan Wu

Female
·
19 Southbrook, Irvine, CA 92604 (Orange County)
33.6758, -117.7860
TZ: Pacific
Single Family
MP

Joan F Wu

Age 70 Female
·
1383 Sayre St, San Leandro, CA 94579 (Alameda County)
37.6798, -122.1470
Marital: Single TZ: Pacific
Edu: High School
Homeowner Single Family Built 1957 Purchased 2005
MP

Joan Wu

Female
·
11009 134th Ave E, Puyallup, WA 98374 (Pierce County)
47.1568, -122.2500
· (253) 845-0325
TZ: Pacific
Homeowner Single Family Built 1996 Purchased 2010
MP

Joan Wu

Age 74 Female
·
1150 Sandra Cir, Corona, CA 92881 (Riverside County)
33.8177, -117.5640
Marital: Married TZ: Pacific
Homeowner Single Family Built 2007 Purchased 2011
MP

Joan C Wu

Age 48 Female
·
310 S Bentley Ave, Los Angeles, CA 90049 (Los Angeles County)
34.0699, -118.4590
Marital: Inferred Single TZ: Pacific
Edu: Graduate School
Single Family
MP

Joan Wu

Age 49 Female
·
39 School St, Brookline, MA 02446 (Norfolk County)
42.3355, -71.1209
· (617) 731-1267
Marital: Single TZ: Eastern
Homeowner Single Family
MP

Joan Wu

Age 56 Female
·
3707 Lake Washington Blvd N, Renton, WA 98056 (King County)
47.5252, -122.2060
Marital: Single TZ: Pacific
Homeowner Single Family Built 2005 Purchased 2011
MP

Joan Wu

Age 46 Female
·
12903 Flint St, Overland Park, KS 66213 (Johnson County)
38.8918, -94.7179
· (913) 485-4054
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family
MP

Joan L Wu

Age 80 Female
·
126 Augusta Dr, Moorestown, NJ 08057 (Burlington County)
39.9914, -74.9019
· (856) 727-0265
Marital: Married TZ: Eastern
Occ: Healthcare
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 12 demographic profiles associated with Joan WU. 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 Joan WU. These loans were issued to businesses, not individuals.

Nancy Solone DBA Workroom Design

Sole Proprietorship

$3,005 Exemption 4
Address:
39 School St
Marblehead, MA01945
Approved

Apr 27, 2020

Jobs Reported

1

Loan #

3697357204

Loan Size

Small

Riverfront Title, LLC

Limited Liability Company(LLC

$123,330 Paid in Full
Address:
30 Freneau Ave
Matawan, NJ07747-3390
Approved

Apr 29, 2020

Forgiven

$124,134

Jobs Reported

7

Loan #

2952457301

Loan Size

Small

Direct Operation Services LLC

Limited Liability Company(LLC

$15,468 Paid in Full
Address:
30 Freneau Ave
Matawan, NJ07747
Approved

May 1, 2020

Forgiven

$57,264

Jobs Reported

1

Loan #

4186577704

Loan Size

Small

Afrm Appraisal Title And Abstract LLC

Limited Liability Company(LLC

$79,516 Paid in Full
Address:
30 Freneau Ave
Matawan, NJ07747-3390
Approved

Apr 29, 2020

Forgiven

$80,034

Jobs Reported

9

Loan #

2924457304

Loan Size

Small

Robin Schneider

Sole Proprietorship

$36,682 Paid in Full
Address:
30 Freneau Ave
Matawan, NJ07747-3390
Approved

Apr 10, 2021

Forgiven

$36,882

Jobs Reported

5

Loan #

1531138804

Loan Size

Small

The Trustees Of The Cushing Academy

Non-Profit Childcare Center

$2,135,888 Paid in Full
Address:
39 School St
Ashburnham, MA01430
Approved

Apr 30, 2020

Forgiven

$2,159,319

Jobs Reported

166

Loan #

5537617308

Loan Size

Medium-Large

Barbara Downs McNulty, Esq

Limited Liability Company(LLC

$16,500 Paid in Full
Address:
30 Freneau Ave
Matawan, NJ07747-3391
Approved

Apr 28, 2020

Forgiven

$18,194

Jobs Reported

2

Loan #

1316537306

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 7 PPP loan records are linked to businesses associated with Joan WU. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joan WU 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
19
2
3
2
1
2
1
4
1
9
1
7

Found 52 results across 12 states

Fewer
More

Joan WU in Dallas, TX: Background Summary

Location
3319 A Reagan, Dallas Tx 75219, Dallas, TX
Other Locations
Irvine, CA · Moorestown, NJ · San Mateo, CA and 13 more
Profiles Found
23 people with this name
Phone Numbers
(214) 649-9108 and 11 others on file
Email
wujuana@sbcglobal.net and 1 other on file
Career
Director, Database Administrator at Promap, United States Department Of Agriculture
Voter Registration
Registered No Party Preference
Properties
3properties owned
Vehicles
2 linked — 2006 Honda Cr-V, 2008 Volvo Xc90
Contributions
$98 total — Texas Association Of Realtors Political Action Committee, Texas Association Of Realtors Political Action Committee
Healthcare
Licensed provider — 1995
PPP Loans
$2410K for Nancy Solone DBA Workroom Design, Riverfront Title, LLC
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 Joan WU. Because public records are indexed by name rather than by a unique identifier, the 104 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.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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 Joan WU

Search Complexity: High

104 public records across 12states, belonging to approximately 23 different individuals. With 23 distinct profiles across 12 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: California (18%), followed by Texas and Washington. Spans the West and South regions.

CA19recordsTX9recordsWA7recordsNJ4recordsKS3recordsMA2records

Record Type Breakdown

Data spans 9 record categories. Largest: Business & Corporate Filings (35%), which reveal professional roles and employer history. Also includes Contact & Address Records (27) and PPP Loan Records (7).

31
Business & Corporate Filings
27
Contact & Address Records
7
PPP Loan Records
6
Voter Registration Records
6
Corporate Records
4
Property Ownership Records

Age Distribution

Age range: approximately 54 years, suggesting multiple generations. Largest group: Senior (65+) (56%).

Senior (65+)5peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Joan WU

Is Joan WU a registered voter?
Yes, voter registration records show Joan WU is registered with U affiliation. We found 6 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Joan WU own property?
County assessor records show 4 properties associated with Joan WU . 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 Joan WU?
Records show 2 vehicle registrations associated with Joan WU, including a 2006 HONDA CR-V. Registered makes include Honda, Volvo. 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 Joan WU?
We found 31 business affiliations for Joan WU (Director). Other companies include United States Department Of Agriculture. Business records are compiled from state registries, SEC filings, and professional databases.
Is Joan WU a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Joan WU as a registered healthcare provider (NPI: 1144345372). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Joan WU made political donations?
FEC disclosure records show 4 reported political contributions from Joan WU, totaling $98. Recipients include Texas Association Of Realtors Political Action Committee and Texas Association of REALTORS Political Action Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joan WU?
Our database contains 104 total records for Joan WU spanning 12 states. This includes 23 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 Joan WU?
The 104 records displayed for Joan WU 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 Joan WU 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.