Joe J Luca

Age 66 b. 1959-11-17
๐Ÿ“ 1105 Se Willow Ridge Dr, Blue Springs Mo
๐Ÿ“ž (816) 213-4101, (816) 229-2305
โœ‰๏ธ JKLUCA@SBCGLOBAL.NET

Joe I De Luca

Age 86 b. 1939-05-19
๐Ÿ“ 738 Commercial Ave, S San Fran Ca 94080-2405, South San Francisco Ca
๐Ÿ“ž (650) 583-5731, (650) 892-6682
โœ‰๏ธ JBDELUCA@PACBELL.NET

Joe De Luca

Age 79 b. 1947-03-28
๐Ÿ“ 3615 Corbin St, Raleigh Nc
๐Ÿ“ž (111) 111-0001, (919) 971-7268
โœ‰๏ธ ROBJOEDELUCA@GMAIL.COM

Joe Luca from Lebanon, PA

Age 97 b. Nov 1928
๐Ÿ“ 113 Cornwall Hills Dr
๐Ÿ“ž (717) 272-6082
๐Ÿ‘ค aka Joseph Luca

Joe De Luca from Whittier, CA

Age 73
๐Ÿ“ 8039 College Ave, Whittier, CA 90605
๐Ÿ“ž (562) 693-5205

Joe Luca from Cincinnati, OH

Age 54 b. Dec 1971 Hamilton Co.
๐Ÿ“ 2887 Cyclorama Dr
๐Ÿ“ž (513) 481-4113

Joe Luca from Blue Springs, MO

Male
๐Ÿ“ 1105 Se Willow Ridge Dr
๐Ÿ“ž (816) 645-5982 (SPRINT)

Joe Luca from Cleveland, OH

Age 109 b. Jun 1916
๐Ÿ“ 4118 Ellison Rd

Joe Luca from New York, NY

0
๐Ÿ“ 2000 Broadway, New York, NY 10023

Joe Luca from Cleveland, OH

Cuyahoga Co.
๐Ÿ“ 20911 Watson Rd
๐Ÿ“ž (216) 475-9190

Joe Luca from East Liverpool, OH

Age 116 b. May 1909
๐Ÿ“ East Liverpool, OH, 43920

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 11 contact records for Joe Luca across 5 states. The most recent address on file is in Lebanon, Pennsylvania. Of these records, 8 include phone numbers and 3 include email addresses. The listed age is 73. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Luca Joe J & Kim R

Jackson County
· 1105 SE Willow Ridge Dr, Sni-A-Bar Mo 64014
Built: 1998.0
Assessed: $344,776

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Joe Luca in Sni-A-Bar. Values shown are from county assessor records and may differ from current market prices.

2011 CHEVROLET MALIBU
ยท Registered to: Joe Luca
ยท VIN: 1G1ZA5EU3BF173517
·
1105 SE Willow Ridge Dr, Blue Springs, MO, 64014-6314
2005 Infiniti FX
ยท Registered to: Joe Luca
ยท VIN: JNRAS08W75X205837
·
58 Overlook Dr, Woodcliff Lake, NJ, 07677
·
(201) 391-1928
2012 Volkswagen Jetta
ยท Registered to: Joe Luca
ยท VIN: 3VWLP7AJ5CM468152
·
200 Heroux Blvd Unit 1607, Cumberland, RI, 02864-2388
·
(401) 580-9797

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Joe Luca. Registered makes include Chevrolet, Infiniti, Volkswagen. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Business Record

torontometo@gmail.com

A 1 Compressed Gas Inc

Manager
Male
Brooklyn, NY
Wholesale Trade - Non-Durable Goods (Products)

Athlon Sports

General Manager
(816) 229-2305
Blue Springs, MO
Publishing, Allied and Printing Industries (Industries)

Kitchen Vision Inc

President
Oradell, NJ
Construction - Special Trade Contractors (Construction)

Tri Weld Industries

Joe Luca
(516) 242-9191joeychop@gis.net
Bay Shore, NY11706

North Star Sail Club

Joe LucaMembership
Harrison Township, MI

Joe Luca

Copywrtiter
Carlyle Financial
La Crescenta, California, United States Banking

Joe Luca

Copywrtiter
Carlyle Financial
California

PEAQ Telecommunication Services; Inc

Joe LucaExecutive Officer
jluca@yahoo.com
3636 Gateway Dr Apt 1, Portsmouth, VA23703
peaq-telecom-services.com

Luca Commercial LLC

Joe LucaBroker
(401) 946-9797joe@lucacommercial.com
Cranston, RI

2saveoninkjet.com

Joe LucaChief Operating Officer
(818) 265-0255jluca@challengerone.com
Glendale, CA

Times Publishing Co

Joe LucaFinance Manager
(727) 893-8162jdeluca@tampabay.com
St Petersburg, FL

St Petersburg Times Pub...

Joe LucaFinance Manager
(727) 322-6777jdeluca@tampabay.com
St Petersburg, FL

Joe De Luca

at Kamek Inc. ยท Montreal, Canada Area

PEAQ Telecommunication Services; Inc

Joe LucaExecutive Officer
jluca@yahoo.com
3636 Gateway Dr Apt 1, Portsmouth, VA23703

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 26 business affiliations were found for Joe Luca. Companies include A 1 Compressed Gas Inc, Athlon Sports, Kitchen Vision Inc and 7 more. Roles listed include Null and Chief Financial Officer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Joe Luca, LLC

Addr: 28642 Lakeside Green, Magnolia, TX, 77355
TX
Agent: Joe Luca

Unknown Corporation

Addr: 28642 Lakeside Green, Magnolia, TX, 77355
TX
Officer: Joe Luca

Source: Public Records Joe Luca appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$2 Nov 6, 2018
2020 DEM
Spanberger, Abigail
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$1 Sep 30, 2014
2014 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$2 Jul 29, 2016
2016 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$3 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$3 Oct 22, 2012
2012
Progressive Change Campaign Committee
Luca, Joe Editor @ Commonwealth Of Ma Brookline, MA
$3 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$3 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$5 Sep 30, 2014
2014 DEM
Peters, Gary
Luca, Joe Occupation @ Employer Brookline, MA
$25 Oct 31, 2012
2012 DEM
Democratic Congressional Campaign Committee
Luca, Joe Editor @ Commonwealth Of Ma Brookline, MA
$13 Oct 29, 2020
2020 DEM
Biden, Joe
Luca, Joe Sales Manager @ Care Plumbing La Crescenta, CA
$5 Sep 30, 2014
2014 DEM
Aguilar, Pete
Luca, Joe Occupation @ Employer Brookline, MA
$100 Oct 12, 2010
2010 DEM
Warner, Russ
Luca, Joe J Sales @ Athlon Sports Blue Springs, MO
$5 Oct 14, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$2 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$1 Sep 30, 2014
2014 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$100 Feb 16, 2012
2012 DEM
Warner, Russ
Luca, Joe J Consultant @ Joe J Luca Blue Springs, MO
$2,100 May 2, 2007
2008 DEM
Warner, Russell
Luca, Joe J Sales @ Athlon Sports Blue Springs, MO
$10 Oct 31, 2020
2020 DEM
Dnc Services CORP./Dem. Nat L Committee
Luca, Joe Sales Manager @ Care Plumbing La Crescenta, CA
$1 Nov 15, 2014
2012 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$2 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$1 Sep 30, 2014
2014 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$2 Oct 19, 2016
2016 DEM
Sidie, Jay
Luca, Joe Occupation @ Employer Brookline, MA
$25 Jan 13, 2010
2010
Moveon.org Political Action
Luca, Joe Editor @ Comm Of Ma Brookline, MA
$5 Nov 19, 2020
2020 DEM
Ossoff, T. Jonathan
Luca, Joe Sales Manager @ Care Plumbing La Crescenta, CA
$15 Sep 22, 2014
2014 DEM
Democratic Congressional Campaign Committee
Luca, Joe Occupation @ Employer Brookline, MA
$10 Sep 30, 2014
2014 DEM
Shaheen, Jeanne
Luca, Joe Occupation @ Employer Brookline, MA
$1 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$5 Sep 30, 2014
2014 DEM
Reid, Harry Mason
Luca, Joe Occupation @ Employer Brookline, MA
$1 Oct 19, 2016
2016 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$5 Dec 4, 2020
2022 DEM
Warnock, Raphael
Luca, Joe Sales Manager @ Care Plumbing La Crescenta, CA
$2 Oct 19, 2016
2016 DEM
Applegate, Doouglas Loren
Luca, Joe Occupation @ Employer Brookline, MA
$10 Oct 19, 2016
2016 DEM
Duckworth, L Tammy
Luca, Joe Occupation @ Employer Brookline, MA
$5 Sep 30, 2014
2014 DEM
Begich, Mark
Luca, Joe Occupation @ Employer Brookline, MA
$1 Nov 4, 2014
2012 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$100 Sep 30, 2012
2012 DEM
Warner, Russ
Luca, Joe J Consultant @ Joe J Luca Blue Springs, MO
$1 Oct 15, 2014
2012 DEM
Actblue
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$25 Jan 13, 2010
2010 DEM
Coakley, Martha
Luca, Joe Editor @ Comm Of Ma Brookline, MA
$2 Oct 15, 2014
2014 DEM
Appel, Staci
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$5 Oct 22, 2012
2012 DEM
Kirkpatrick, Ann
Luca, Joe Editor @ Commonwealth Of Ma Brookline, MA
$3 Nov 9, 2018
2020
Progressive Turnout Project
Luca, Joe Editor Writer @ Commonwealth Of Ma Brookline, MA
$5 Sep 30, 2014
2014 DEM
Gillibrand, Kirsten Elizabeth Mrs
Luca, Joe Occupation @ Employer Brookline, MA
$10 Sep 22, 2014
2014 DEM
Kirkpatrick, Ann
Luca, Joe Occupation @ Employer Brookline, MA
$1 Sep 30, 2014
2014 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$2 Oct 19, 2016
2016 DEM
Coleman, Lynn Carnell
Luca, Joe Occupation @ Employer Brookline, MA
$1 Sep 30, 2014
2014 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$100 Sep 30, 2012
2012
Actblue
Luca, Joe Consultant @ Self Blue Springs, MO
$5 Sep 30, 2014
2014 DEM
Udall, Tom
Luca, Joe Occupation @ Employer Brookline, MA
$15 Oct 22, 2012
2012 DEM
Duckworth, L. Tammy
Luca, Joe Editor @ Commonwealth Of Ma Brookline, MA
$1 Sep 22, 2014
2014 DEM
Actblue
Luca, Joe Occupation @ Employer Brookline, MA
$100 Feb 16, 2012
2012
Actblue
Luca, Joe J Consultant @ Self Blue Springs, MO
$13 Sep 30, 2020
DEM
Dnc Services CORP./Dem. Nat L Committee
Contributor Care Plumbing La Crescenta, CA
$7 Dec 23, 2020
Unknown Committee
Luca, Joe Sales Manager @ Care Plumbing La Crescenta, CA
$5
2012 R
Suzio, Len
Contributor Meriden, CT

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Joe Luca. Total disclosed contributions amount to $2,869. Recipients include Dnc Services CORP./Dem. Nat L Committee, Suzio, Len. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joe Luca

Age 88 Male
·
113 Cornwall Hills Dr, Lebanon, PA 17042 (Lebanon County)
40.2880, -76.4136
· (717) 272-6082
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 2006 Purchased 2006

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 1 demographic profile associated with Joe Luca. 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 Joe Luca. These loans were issued to businesses, not individuals.

First Floor Venture LLC

Limited Liability Company(LLC

$20,832 Paid in Full
Address:
2000 Broadway
New York, NY10023
Approved

May 1, 2020

Forgiven

$21,131

Jobs Reported

1

Loan #

4322137707

Loan Size

Small

Jk Associates

Sole Proprietorship

$14,800 Paid in Full
Address:
1105 SE Willow Ridge Drive
Blue Springs, MO64014-6314
Approved

Jun 22, 2020

Forgiven

$14,932

Jobs Reported

2

Loan #

1497898009

Loan Size

Small

Bellevue Reformed Church

Non-Profit Organization

$27,500 Paid in Full
Address:
2000 Broadway
Schenectady, NY12306-4124
Approved

Apr 11, 2020

Forgiven

$27,676

Jobs Reported

9

Loan #

3618857106

Loan Size

Small

Rackson Asset Management LLC

Limited Liability Company(LLC

$20,833 Paid in Full
Address:
2000 Broadway
New York, NY10023-5028
Approved

Jan 25, 2021

Forgiven

$20,951

Jobs Reported

1

Loan #

5637158305

Loan Size

Small

Flagshiprtl LTD

Corporation

$12,592 Paid in Full
Address:
2000 Broadway
New York, NY10023-5003
Approved

May 20, 2020

Forgiven

$12,722

Jobs Reported

2

Loan #

9521457410

Loan Size

Small

Victory Tech Wireless INC

Corporation

$7,955 Paid in Full
Address:
414 W Main St
Stamford, CT06902
Approved

Apr 30, 2020

Forgiven

$8,032

Jobs Reported

1

Loan #

6270817303

Loan Size

Small

Victory Tech Wireless INC

Corporation

$7,075 Paid in Full
Address:
414 W Main St
Stamford, CT06902-4754
Approved

Feb 18, 2021

Forgiven

$7,122

Jobs Reported

1

Loan #

1020808508

Loan Size

Small

Joseph Luca

Sole Proprietorship

$20,833 Paid in Full
Address:
1105 SE Willow Ridge Dr
Blue Springs, MO64014-6314
Approved

Apr 8, 2021

Forgiven

$20,979

Jobs Reported

1

Loan #

9513188702

Loan Size

Small

Triweld Industries INC

Corporation

$281,783 Paid in Full
Address:
65 S 2nd St
Bay Shore, NY11706-1001
Approved

Feb 3, 2021

Forgiven

$284,755

Jobs Reported

21

Loan #

2301798410

Loan Size

Medium

Bellevue Reformed Church

Non-Profit Organization

$27,500 Paid in Full
Address:
2000 Broadway
Schenectady, NY12306-4124
Approved

Mar 6, 2021

Forgiven

$27,646

Jobs Reported

7

Loan #

7739228509

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 10 PPP loan records are linked to businesses associated with Joe Luca. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joe Luca on the map

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Joe Luca in Blue Springs, MO: Background Summary

Location
1105 SE Willow Ridge Dr, Blue Springs Mo, Blue Springs, MO
Other Locations
Lebanon, PA ยท Whittier, CA ยท Cincinnati, OH and 2 more
Profiles Found
11 people with this name
Phone Numbers
(816) 213-4101 and 9 others on file
Email
jkluca@sbcglobal.net and 2 others on file
Career
Chief Financial Officer, Vice President at A 1 Compressed Gas Inc, Athlon Sports
Properties
1property owned
Vehicles
3 linked โ€” 2011 Chevrolet Malibu, 2005 Infiniti FX and 1 more
Contributions
$2,868.66 total โ€” Dnc Services CORP./Dem. Nat L Committee, Suzio, Len
PPP Loans
$442K for First Floor Venture LLC, Jk Associates

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 Joe Luca. Because public records are indexed by name rather than by a unique identifier, the 109 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.

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 Joe Luca

Search Complexity: High

109 public records across 12states, belonging to approximately 11 different individuals. With 11 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 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 12 states. Highest concentration: California (5%), followed by Missouri and Pennsylvania. Spans the Northeast and Midwest regions.

CA5recordsMO4recordsPA4recordsOH4recordsNY3recordsVA3records

Record Type Breakdown

Data spans 7 record categories. Largest: Political Contribution Records (49%), which include employer and occupation, which are strong distinguishing fields. Also includes Business & Corporate Filings (26) and Contact & Address Records (13).

53
Political Contribution Records
26
Business & Corporate Filings
13
Contact & Address Records
10
PPP Loan Records
3
Vehicle Registration Records
2
Corporate Records

Age Distribution

Age range: approximately 62 years, suggesting multiple generations. Largest group: Senior (65+) (88%).

Senior (65+)7peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Joe Luca

Does Joe Luca own property?
County assessor records show 1 property associated with Joe Luca . 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 Joe Luca?
Records show 3 vehicle registrations associated with Joe Luca, including a 2011 CHEVROLET MALIBU. Registered makes include Chevrolet, Infiniti, Volkswagen. 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 Joe Luca?
We found 26 business affiliations for Joe Luca (null). Other companies include Athlon Sports, Kitchen Vision Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Joe Luca made political donations?
FEC disclosure records show 53 reported political contributions from Joe Luca, totaling $2,869. Recipients include Dnc Services CORP./Dem. Nat L Committee and Suzio, Len. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joe Luca?
Our database contains 109 total records for Joe Luca spanning 12 states. This includes 11 distinct contact records, 8 with phone numbers, 3 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Joe Luca?
The 109 records displayed for Joe Luca 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 Joe Luca 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.