Joanne Schulte

Age 72 b. 1953-10-02
๐Ÿ“ 3715 S Austin Blvd, Cicero Il
๐Ÿ“ž (708) 370-0298, (708) 955-6470
โœ‰๏ธ JDRS102@AOL.COM

Joanne Schulte from Crittenden, KY

Age 62
๐Ÿ“ 134 Austin Dr, Crittenden, KY 41030
๐Ÿ“ž (859) 282-7715, (859) 428-1001, (870) 763-2870, (732) 935-9202
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: James Allen Schulteii,Anthony J Schultze,James A Schulte,E Schulte,Michelle Schulte

Joanne Schulte from Coral Gables, FL

Age 73
๐Ÿ“ 600 Coral Way #8, Coral Gables, FL 33134
๐Ÿ“ž (305) 663-4996, (305) 531-2514
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Caroline Norman Schulte,Elizabeth Norman Schulte,John Henry Schulte,John H Schulte,Johnh Schultecou
๐Ÿช Seraphic Fire Inc, Seraphic Fire, Inc

Joanne Schulte from Lancaster, NY

Age 81
๐Ÿ“ 626 Columbia Ave, Lancaster, NY 14086
๐Ÿ“ž (716) 684-3556

Joanne Schulte from North Bellmore, NY

Age 54
๐Ÿ“ 55 Davenport Pl, North Bellmore, NY 11710
๐Ÿ“ž (516) 221-6034
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Robert E Schulte,Henry Laura Schulte,Thomasjudy Schulte,Joyce L Schulte,Robert E Schulte

Joanne Schulte from Los Angeles, CA

Sep 1900 Los Angeles Co.
๐Ÿ“ 2841 Lawndale Dr
๐Ÿ“ž (323) 256-1439, (213) 256-1439

Joanne Schulte from Portland, OR

Multnomah Co.
๐Ÿ“ Po Box 8428
๐Ÿ“ž (785) 379-0500, (419) 837-5501

Joanne Schulte from Castro Valley, CA

Age 88 b. May 1937 Alameda Co.
๐Ÿ“ 4144 Ravenwood Pl
๐Ÿ“ž (510) 537-2506

Joanne Schulte from Lincoln, NE

Age 68 b. Oct 1957 Lancaster Co.
๐Ÿ“ 5830 Abigail Dr
๐Ÿ“ž (402) 327-9392

Joanne Schulte from San Gabriel, CA

Sep 1900 Los Angeles Co.
๐Ÿ“ 140 Cresta Ave
๐Ÿ“ž (313) 937-3526

Joanne Schulte from Miami, FL

0
๐Ÿ“ 2401 Collins Ave #810, Miami, FL 33140
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: John H Schulte

Joanne Schulte from Miami, FL

0
๐Ÿ“ 777 Brickell Ave #1000, Miami, FL 33131
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: John H Schulte

Joanne Schulte from Miami Shores, FL

0
๐Ÿ“ 490 91st St, Miami Shores, FL 33138
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: John H Schulte

Joanne Schulte from Miami, FL

0
๐Ÿ“ 453 20th Rd, Miami, FL 33129
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: John H Schulte

Joanne Schulte from New York, NY

0
๐Ÿ“ 350 79th St #11b, New York, NY 10021
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Elizabeth Norman Schulte

Joanne Schulte from Barstow, CA

Age 86 b. Jun 1939 San Bernardino Co.
๐Ÿ“ 600 Rimrock Rd Spc 46
๐Ÿ‘ค aka Joanne E Schulte

Joanne Schulte from Inver Grove Heights, MN

Age 86 b. Jun 1939 Dakota Co.
๐Ÿ“ 7177 River Rd

Joanne Schulte from Lake Tapps, WA

Age 87 b. Feb 1939 Pierce Co.
๐Ÿ“ 1708 210th Ave E

Joanne Schulte from Deer Park, NY

Age 87 b. Oct 1938 Suffolk Co.
๐Ÿ“ 27 Golden Ave F 3

Joanne Schulte from Port Hope, MI

Age 69 b. Jun 1956 Huron Co.
๐Ÿ“ 5097 Moeller Rd
๐Ÿ‘ค aka Schulte Joanne Mae

Joanne Schulte from Florence, KY

Age 73 b. Sep 1952 Boone Co.
๐Ÿ“ 41 W Cobblestone Ct

Joanne Schulte from San Jose, CA

Age 66 b. Oct 1959 Santa Clara Co.
๐Ÿ“ 5624 Ravenna Ct

Joanne Schulte from Portland, OR

Age 95 b. Feb 1931 Washington Co.
๐Ÿ“ 11736 Sw 125th Ct

Joanne Schulte from Phoenix, AZ

Age 88 b. Jun 1937 Maricopa Co.
๐Ÿ“ 4727 E Warner Rd 2044

Joanne Schulte from Miami, FL

0
๐Ÿ“ 22220 112th Ave, Miami, FL 33170

Joanne Schulte from Jacksonville, FL

Duval Co.
๐Ÿ“ 10516 Timber Creek Ln
๐Ÿ“ž (972) 248-7278

Joanne Schulte from Roseville, MI

Macomb Co.
๐Ÿ“ 15261 Roycroft St
๐Ÿ“ž (708) 584-7153

Joanne Schulte from North Brunswick, NJ

Middlesex Co.
๐Ÿ“ 614 Bishop Bl

Joanne Schulte from Lancaster, NY

Erie Co.
๐Ÿ“ 626 Columbia Ave

Joanne Schulte from Coral Gables, FL

Miami Dade Co.
๐Ÿ“ 6210 Maggiore St
๐Ÿ‘ค aka John H Schulte

Joanne Schulte from Rutherfordton, NC

Rutherford Co.
๐Ÿ“ 3 Box 8 B

Joanne Schulte from Goodyear, AZ

๐Ÿ“ 14218 W Harvard St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 32 contact records for Joanne Schulte across 12 states. The most recent address on file is in Los Angeles, California. Of these records, 12 include phone numbers and 1 include email addresses. Ages range from 54 to 81, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Schulte Joanne H

Wood County
· 22884 Luckey Rd, Troy Oh
Sale: $0 (2012/04/17)

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Joanne Schulte in Troy. Values shown are from county assessor records and may differ from current market prices.

Joanne K Schulte

Democrat
626 Columbia Ave, 8, 14086
DOB: 19330119 Gender: Female

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

2002 LEXUS RX 300 FULL SIZE UTILITY
ยท Registered to: Joanne Schulte
ยท VIN: JTJHF10UX20242837
·
13785 Hill Place Dr, Rogers, MN, 55374
·
(763) 416-6141
2011 CHEVROLET CRUZE CAR BASIC ECONOMY
ยท Registered to: Joanne Schulte
ยท VIN: 1G1PC5SH6B7250576
·
13785 Hill Place Dr, Rogers, MN, 55374
·
(763) 416-6141
2010 Buick Lucerne
ยท Registered to: Joanne Schulte
ยท VIN: 1G4HG5EM9AU112454
·
13365 W Almeria Rd, Goodyear, AZ, 85395
·
(623) 935-1536
2003 CADILLAC DEVILLE
ยท Registered to: Joanne Schulte
·
13365 W Almeria Rd, Goodyear, AZ, 85395
·
(623) 935-1536
2010 BUICK LUCERNE
ยท Registered to: Joanne Schulte
·
14218 W Harvard St, Goodyear, AZ, 85395-1653
·
(623) 935-1536

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with Joanne Schulte. Registered makes include Lexus, Chevrolet, Buick, Cadillac. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Seraphic Fire INC

Joanne SchulteFounding Cha
Miami, FL

Joanne Schulte

United States

Gi Gis Restaurant Fish And Chips

Joanne SchulteChairman
(321) 777-9455
Satellite Beach, FL

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 3 business affiliations were found for Joanne Schulte. Companies include Gi Gis Restaurant Fish And Chips. Roles listed include Founding Cha. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

MANAGER: Joanne Schulte

Unknown Corporation

Addr: 19 Highland Park, Peabody, MA
MA
MANAGER: Joanne Schulte

Schulte Personnel, LLC

Addr: 19 Highland Park, Peabody, MA, 01960
MA
MANAGER: Joanne Schulte

Source: Public Records Joanne Schulte appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Joanne Schulte

Dietetic And Nutrition
ACTIVE
License # 164001528
Firm: Joanne Schulte
Addr: Cicero, IL 60804

joanne schulte

Dietetic And Nutrition
ACTIVE
License # 164001528
Addr: Cicero, IL 60804
County: Cook
Issued: Dec 30, 1995 Exp: Oct 31, 2027

Licensed Professional

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Joanne Schulte holds 3 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

๐Ÿ›๏ธ

Joanne Schulte

Department: Nj Dept. Of Health-Senior Servi
Fund: PERS - Public Employee Retirement System
Retired: 2012-03
๐Ÿ›๏ธ

Unknown

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Source: City/State Transparency Portals ยท Government Payroll Databases ยท Open Data Portals Joanne Schulte appears in 15 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.

Joanne Schulte

Pomona High School - Arvada, CO, CO
1992

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Joanne Schulte 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.

$1,000 Sep 24, 1986
1986 DEM
Graham, Bob
Schulte, Joanne N Coral Gables, FL
$200 Sep 12, 2014
2014
Riedel, Susan
Schulte, Joanne Goodyear, AZ
$100 Mar 29, 2006
2006 R
Derose, Chris
Schulte, Joanne Cicero, IL
$200 Sep 12, 2014
Riedel, Susan
Contributor Goodyear, AZ
$200
2014
Riedel, Susan
Contributor Goodyear, AZ

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for Joanne Schulte. Total disclosed contributions amount to $1,700. Recipients include Riedel, Susan. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joanne M Schulte

Age 56 Female
·
19 Highland Park, Peabody, MA 01960 (Essex County)
42.5284, -70.9238
· (617) 921-6539
Marital: Married TZ: Eastern
Homeowner Single Family Built 1900 Purchased 2003
MP

Joanne K Schulte

Age 84 Female
·
626 Columbia Ave, Lancaster, NY 14086 (Erie County)
42.9216, -78.6731
· (602) 684-3556
Marital: Married TZ: Eastern
Homeowner Single Family Built 1951
MP

Joanne C Schulte

Age 57 Female
·
5624 Ravenna Ct, San Jose, CA 95118 (Santa Clara County)
37.2395, -121.8920
· (408) 978-3464
Marital: Married TZ: Pacific
Edu: Graduate School
Homeowner Single Family Purchased 2007
MP

Joanne H Schulte

Age 87 Female
·
PO Box 274, Stony Ridge, OH 43463 (Wood County)
41.5092, -83.5057
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1916
MP

Joanne G Schulte

Age 65 Female
·
134 Austin Dr, Crittenden, KY 41030 (Grant County)
38.7726, -84.6358
· (859) 428-1001
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family
MP

Joanne M Schulte

Age 60 Female
·
5097 Moeller Rd, Port Hope, MI 48468 (Huron County)
43.9611, -82.7560
· (989) 428-4962
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Joanne Schulte

Age 63 Female
·
3715 S Austin Blvd, Cicero, IL 60804 (Cook County)
41.8248, -87.7728
· (708) 271-7894
Marital: Married TZ: Central
Occ: Healthcare Edu: High School
Homeowner Single Family
MP

Joanne M Schulte

Age 59 Female
·
13785 Hill Place Dr, Rogers, MN 55374 (Hennepin County)
45.2048, -93.5681
· (763) 416-6141
Marital: Single TZ: Central
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 2001 Purchased 2007
MP

Joanne M Schulte

Age 80 Female
·
4144 Ravenwood Pl, Castro Valley, CA 94546 (Alameda County)
37.6946, -122.0610
· (510) 537-2506
Marital: Married TZ: Pacific
Occ: Insurance Edu: Some College
Homeowner Single Family Built 1970 Purchased 2003

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Joanne Schulte. 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 Joanne Schulte. These loans were issued to businesses, not individuals.

Gbenga Oshinowo

Independent Contractors

$6,987 Paid in Full
Address:
13785 Hill Place Dr
Rogers, MN55374-9582
Approved

Apr 18, 2021

Forgiven

$7,010

Jobs Reported

1

Loan #

5799208800

Loan Size

Small

Schulte Personnel, LLC

Limited Liability Company(LLC

$307,960 Paid in Full
Address:
19 Highland Park
Peabody, MA01960-3215
Approved

May 1, 2020

Forgiven

$310,331

Jobs Reported

44

Loan #

7052247708

Loan Size

Medium

Temitayo Oshinowo

Sole Proprietorship

$20,622 Paid in Full
Address:
13785 Hill Place Dr
Rogers, MN55374-9582
Approved

May 26, 2021

Forgiven

$20,843

Jobs Reported

1

Loan #

7840779010

Loan Size

Small

Schulte Personnel LLC

Limited Liability Company(LLC

$307,960 Paid in Full
Address:
19 Highland Park
Peabody, MA01960-3215
Approved

Apr 23, 2021

Forgiven

$309,242

Jobs Reported

39

Loan #

9751148805

Loan Size

Medium

Elendu Textile, LLC

Limited Liability Company(LLC

$44,440 Paid in Full
Address:
1401 5th Ave
Fargo, ND58102-4239
Approved

Jul 29, 2020

Forgiven

$44,635

Jobs Reported

2

Loan #

1120188204

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 5 PPP loan records are linked to businesses associated with Joanne Schulte. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joanne Schulte on the map

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Joanne Schulte in Cicero, IL: Background Summary

Location
3715 S Austin Blvd, Cicero Il, Cicero, IL
Other Locations
Los Angeles, CA ยท Portland, OR ยท Castro Valley, CA and 17 more
Profiles Found
32 people with this name
Phone Numbers
(708) 370-0298 and 14 others on file
Email
jdrs102@aol.com
Possible Relatives
James Allen Schulteii, Anthony J Schultze, James A Schulte, E Schulte, Michelle Schulte and 18 more
Career
Founding Cha at Gi Gis Restaurant Fish And Chips
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
5 linked โ€” 2002 Lexus Rx 300, 2011 Chevrolet Cruze and 3 more
Contributions
$1,700 total โ€” Riedel, Susan, Riedel, Susan
Licenses
2 professional licenses (DIETETIC AND NUTRITION)
PPP Loans
$688K for Gbenga Oshinowo, Schulte Personnel, LLC

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 Joanne Schulte. Because public records are indexed by name rather than by a unique identifier, the 99 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 Joanne Schulte

Search Complexity: High

99 public records across 16states, belonging to approximately 32 different individuals. With 32 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 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 16 states. Highest concentration: Florida (20%), followed by California and Arizona. Spans the South and West regions.

FL20recordsCA10recordsAZ7recordsNY6recordsKY5recordsIL4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (65%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (5) and Political Contribution Records (5).

48
Contact & Address Records
5
Vehicle Registration Records
5
Political Contribution Records
5
PPP Loan Records
3
Business & Corporate Filings
3
Corporate Records

Age Distribution

Age range: approximately 41 years, suggesting multiple generations. Largest group: Senior (65+) (83%).

Senior (65+)10peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Joanne Schulte

Is Joanne Schulte a registered voter?
Yes, voter registration records show Joanne Schulte is registered with DEM affiliation. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Joanne Schulte own property?
County assessor records show 1 property associated with Joanne Schulte . 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 Joanne Schulte?
Records show 5 vehicle registrations associated with Joanne Schulte, including a 2002 LEXUS RX 300. Registered makes include Lexus, Chevrolet, Buick, Cadillac. 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 Joanne Schulte?
We found 3 business affiliations for Joanne Schulte (FOUNDING CHA). Business records are compiled from state registries, SEC filings, and professional databases.
Has Joanne Schulte made political donations?
FEC disclosure records show 5 reported political contributions from Joanne Schulte, totaling $1,700. Recipients include Riedel, Susan. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joanne Schulte?
Our database contains 99 total records for Joanne Schulte spanning 16 states. This includes 32 distinct contact records, 12 with phone numbers, 1 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Joanne Schulte?
The 99 records displayed for Joanne Schulte 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 Joanne Schulte 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.