John Bertakis from Kissimmee, FL

Age 49
๐Ÿ“ 128 Campeche Ln, Kissimmee, FL 34743
๐Ÿ“ž (407) 348-1200, (407) 348-0159, (407) 348-1200, (954) 471-2316, (407) 346-4785
โœ‰๏ธ ibertakis@gmail.com

John Bertakis from Kissimmee, FL

Age 61 b. Aug 1964 Male
๐Ÿ“ 128 Campeche Ln
๐Ÿ“ž (407) 346-4785 (Cell), (609) 709-0519, (954) 471-2316
โœ‰๏ธ jbertakis@aol.com

John Bertakis

Age 75 b. 1950-07-16
๐Ÿ“ 3020 Ne 32nd Av, Ft L Fl 33308
๐Ÿ“ž (630) 936-3133, (630) 543-0337
โœ‰๏ธ JOHN.BERTAKIS@YAHOO.COM, john.bertakis@yahoo.com

John Bertakis from Grosse Pointe Farms, MI

Age 66 b. Oct 1959 Wayne Co.
๐Ÿ“ Windward Pl G
๐Ÿ“ž (313) 886-1371

John Bertakis from Addison, IL

Age 64
๐Ÿ“ 1209 Sable Dr, Addison, IL 60101
๐Ÿ“ž (630) 543-8471, (630) 212-0506, (708) 305-1329, (630) 543-8471, (773) 561-9709, (708) 773-2452

John Bertakis from Addison, IL

Age 76 b. 1950 Du Page Co.
๐Ÿ“ 1209 W Sable Dr
๐Ÿ“ž (630) 543-8471

John Bertakis from Itasca, IL

0000 Male
๐Ÿ“ 320 N Oak St
๐Ÿ“ž (847) 912-1420

John Bertakis from Addison, IL

Du Page Co.
๐Ÿ“ 1209 Sable Dr

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 8 contact records for John Bertakis across 3 states. The most recent address on file is in Kissimmee, Florida. Of these records, 7 include phone numbers and 3 include email addresses. Ages range from 49 to 64, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Bertakis John C + Cynthia E

Lee County
PIN: 194624W30120E0130
· 215/217 Mango St, Fort Myers Beach 33931
Value: $222,502

Bertakis,john

Broward County
PIN: 494330AF2010
· 3020 NE 32 Ave #1418, Fort Lauderdale
Built: 2002.0
Assessed: $330,970

Bertakis John N & Giorgio Nick C

Grand-traverse County
· 7360 Highgrove Trl, Acme Mi
Assessed: $2,500

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to John Bertakis in Acme. Values shown are from county assessor records and may differ from current market prices.

John C Bertakis

128 Campeche Ln, Kissimmee, , 347437005

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

2007 BMW 3 SERIES
ยท Registered to: John Bertakis
ยท VIN: WBAWB73557P021428
·
1209 W Sable Dr, Addison, IL, 60101-1137
2007 Jeep Grand Cherokee
ยท Registered to: John Bertakis
ยท VIN: 1J8HR78307C555127
·
320 N Oak St, Itasca, IL, 60143
·
(847) 912-1420
2013 Toyota Prius
ยท Registered to: John Bertakis
ยท VIN: JTDKN3DU1D5604061
·
128 Campeche Ln, Kissimmee, FL, 34743-7050
·
(407) 346-4785
2012 Jeep Wrangler
ยท Registered to: John Bertakis
ยท VIN: 1C4HJWDG7CL178114
·
6 Windward Pl, Grosse Pointe Farms, MI, 48236-3779
·
(313) 886-1371
2011 Jeep Grand Cherokee
ยท Registered to: John Bertakis
ยท VIN: 1J4RR6GG7BC694765
·
6 Windward Pl, Grosse Pointe Farms, MI, 48236-3779
·
(313) 886-1371
2008 Mercedes-Benz M-Class
ยท Registered to: John Bertakis
ยท VIN: 4JGBB72EX8A352511
·
320 N Oak St, Itasca, IL, 60143-1737
·
(847) 912-1420
2003 CHEVROLET K1500 SUBURBAN WAGON
ยท Registered to: John Bertakis
ยท VIN: 3GNFK16Z83G273081
·
6 Windward Pl, Grosse Pointe Farms, MI, 48236
·
(313) 886-1371
2008 CHRYSLER 300
ยท Registered to: John Bertakis
ยท VIN: 2C3KA63H68H119712
·
6 Windward Pl, Grosse Pointe Farms, MI, 48236-3779
·
(313) 886-1371

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with John Bertakis. Registered makes include Bmw, Jeep, Toyota, Mercedes-Benz and others. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Villa Point

Owner
(586) 465-0424
Harrison Township, MI
Real Estate (Housing)

Bertakis Development Inc

President
(586) 294-5080
Roseville, MI
Real Estate (Housing)

Minos Imported Foods

Partner
Addison, IL
Food Stores (Food)

Willow Point

Owner
(586) 465-0424
Harrison Twp, MI
Real Estate (Housing)

John Bertakis

Managing Member

Cretan Ladies Association Amalthia

John BertakisDirector
Chicago, IL

Minos Imported Foods

John BertakisOwner
DUPAGEsales@minosimports.com
648 W Lake St, Addison, IL60101

Moizes Pressure Cleaning Painting And Sealing Corp

John BertakisTeacher
jbertakis@blackplanet.com
1209 W Sable Dr, Addison, IL60101
moizescorp.com

John Peter Bertakis

Director of Operations at B ยท Greater Chicago Area

St Agnes Floral Shop

John BertakisPartner
(630) 543-8471jbertakis@bellsouth.net
1209 W Sable Dr, Addison, IL60101

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 15 business affiliations were found for John Bertakis. Companies include Villa Point, Bertakis Development Inc, Minos Imported Foods and 2 more. Roles listed include Managing Member and Director. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 30695 Little Mack Ave., Ste. 100, Roseville, MICHIGAN, 48066
MICHIGAN
Officer: John Bertakis

Unknown Corporation

Addr: 30695 Little Mack Avenue Suite 100, Roseville, MI, 48066
MI
PRESIDENT: john N bertakis

Bertakis Development, INC.

Addr: 30695 Little Mack Ave., Ste. 100, Roseville, LA, 48066
LA
President, Director: John Bertakis

Unknown Corporation

Addr: 5750 Claude Dr, Plano, TX, 75024
TX
Officer: John Bertakis

BBC - Flower Mound, LLC

ID: 0802104364
Addr: 6 Windward Place, Grosse Pointe Farms, MI, 48236
MI
Manager: John N Bertakis

Manvel BDC Utilities, Inc.

ID: 0800085950
Addr: 6 Windward Place, Grosse Pointe Farms, MI, 48236
MI
PRESIDENT: John N Bertakis

Bdc - Gp, L.l.c.

ID: 0800364299
Addr: 30695 Little Mack Ave, Roseville, MI, 48066
MI
PRESIDENT: John N Bertakis

BBC - Plano, LLC

ID: 0802104393
Addr: 6 Windward Place, Grosse Pointe Farms, MI, 48236
MI
Manager: John N Bertakis

Bertakis Development, INC.

ID: 0800067103
Addr: 30695 Little Mack Avenue Suite 100, Roseville, MI, 48066
MI
Director: John N Bertakis

Bdc - Gp, L.l.c.

ID: 0800364299
Addr: 30695 Little Mack Ave, Roseville, MI, 48066
MI
DIRECTOR: John N Bertakis

Bertakis Development, INC.

ID: 0800067103
Addr: 30695 Little Mack Avenue Suite 100, Roseville, MI, 48066
MI
PRESIDENT: John N Bertakis

Bertakis & Backos Pizza Company, LLC

ID: 0801644670
Addr: 6 Windward Place, Grosse Pointe Farms, MI, 48236
MI
MEMBER: John Bertakis

Texas Pizza Management Company, LLC

ID: 0802104377
Addr: 6 Windward Place, Grosse Pointe Farms, MI, 48236
MI
Manager: John N Bertakis

BBC Plano Coit, LLC

ID: 0802200087
Addr: 6 Windward Place, Grosse Pointe Farms, mi, 48236
mi
Manager: John Bertakis

Source: Public Records John Bertakis appears in 14 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$100 Nov 23, 2020
2020
Trump Make America Great Again Committee
Bertakis, John Real Estate @ Inspire Communities Grosse Pointe Shores, MI
$1 Apr 27, 2016
2016 DEM
Actblue
Bertakis, John Investor @ Self Kissimmee, FL
$1,000 Mar 30, 2010
2010 DEM
Giannoulias, Alexander
Bertakis, John Owner @ Minos Imported Foods Addison, IL
$100 Apr 21, 2008
2008 REP
Lang, Mary Treder
Bertakis, John Grosse Pointe Farms, MI
$100 Apr 13, 2004
2004
Chylinski, James
Bertakis, John Esq Roseville, MI
$400 Sep 17, 2009
2010 DEM
Giannoulias, Alexander
Bertakis, John Owner @ Minos Imported Foods Addison, IL
$100 Nov 16, 2020
2020
Trump Make America Great Again Committee
Bertakis, John Real Estate @ Inspire Communities Grosse Pointe Shores, MI
$100 Nov 30, 2020
2022
Trump Make America Great Again Committee
Bertakis, John Real Estate @ Inspire Communities Grosse Pointe Shores, MI
$100 May 30, 2008
2008 REP
Simon, John
Bertakis, John Grosse Pointe Farms, MI
$500 Jun 29, 2018
2018 REP
Bilirakis, Gus M
Bertakis, John Retired Addison, IL
$250 Sep 1, 1992
1992 REP
Michigan Republican State Committee
Bertakis, John N Bertakis Development Grosse Pte Farms, MI
$200 Nov 1, 1998
1998
Chylinski, James
Bertakis, John N Retired Realtor Grosse Pointe, MI
$500 Jul 24, 1998
1998 DEM
Wojno, Paul
Bertakis, John N Developer @ Bertakis Development Co Gross Pte Farms, MI
$10 Apr 27, 2016
2016 DEM
Democratic Congressional Campaign Committee
Bertakis, John Investor @ Self Kissimmee, FL
$250 Sep 6, 2000
2000 REP
Abraham, Edmond Spencer
Bertakis, John Bertakis Management Co Grosse Pointe, MI
$100 Apr 21, 2008
2008 REP
Treder Lang, Mary
Bertakis, John Grosse Pointe Farms, MI
$2,500 Mar 10, 2004
2004
Mi Housing Campground Mmh Rvca Pac
Bertakis, John Partner @ Bertakis Development Company Grosse Pointe Farms, MI
$500 Sep 22, 1999
2000 REP
McCotter, Thaddeus
Bertakis, John Owner @ Bertakis Management Grosse Pointe, MI
$100 Nov 30, 2020
2022
Trump Make America Great Again Committee
Bertakis, John Real Estate @ Inspire Communities Grosse Pointe Shores, MI
$1,000 Sep 28, 2009
2010 DEM
White, Jesse
Bertakis, John Best Faith Effort Addison, IL
$10 Apr 27, 2016
DEM
Democratic Congressional Campaign Committee
Contributor Investor @ Self Kissimmee, FL
$500 Jun 29, 2018
Unknown Committee
Bertakis, John Retired Addison, IL
$1,000
2010 D
White, Jesse
Contributor Best Faith Effort Addison, IL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 23 political contribution records found for John Bertakis. Total disclosed contributions amount to $9,421. Recipients include Democratic Congressional Campaign Committee, White, Jesse. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

John N Bertakis

Age 57 Male
·
6 Windward Pl, Grosse Pt Frm, MI 48236 (Wayne County)
42.3971, -82.8896
· (313) 886-1371
Marital: Married TZ: Eastern
Occ: Education Edu: Graduate School
Homeowner Single Family Built 1992
MP

John Bertakis

Age 67 Male
·
1209 W Sable Dr, Addison, IL 60101 (Dupage County)
41.9485, -88.0159
· (708) 305-1329
Marital: Married TZ: Central
Occ: Management Edu: Some College
Homeowner Single Family Built 1986 Purchased 1995
MP

John C Bertakis

Age 53 Male
·
128 Campeche Ln, Kissimmee, FL 34743 (Osceola County)
28.3218, -81.3536
· (407) 348-1200
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Built 1987 Purchased 1990
MP

John Bertakis

Male
·
320 N Oak St, Itasca, IL 60143 (Dupage County)
41.9736, -88.0163
· (847) 912-1420
Marital: Married TZ: Central
Single Family

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

Frank Sciarabba

Sole Proprietorship

$20,833 Paid in Full
Address:
1200 N Foxdale Dr
Addison, IL60101-5500
Approved

Apr 5, 2021

Forgiven

$20,931

Jobs Reported

1

Loan #

6837498704

Loan Size

Small

Ortho Care Physical Therapy INC.

Corporation

$72,843 Paid in Full
Address:
30695 Little Mack Ave Ste 600
Roseville, MI48066-1702
Approved

Apr 28, 2021

Forgiven

$73,436

Jobs Reported

10

Loan #

3316208906

Loan Size

Small

J.k.b., INC. DBA Minos Imported Foods, INC.

Corporation

$68,000 Paid in Full
Address:
648 W Lake St
Addison, IL60101
Approved

May 1, 2020

Forgiven

$68,407

Jobs Reported

7

Loan #

1838347708

Loan Size

Small

David & Linda Gletty Farm

Sole Proprietorship

$2,710 Paid in Full
Address:
320 N Oak St
Waterman, IL60556-6035
Approved

Apr 27, 2020

Forgiven

$23,786

Jobs Reported

2

Loan #

5426357201

Loan Size

Small

David Gletty

Sole Proprietorship

$23,544 Paid in Full
Address:
320 N Oak St
Waterman, IL60556-6035
Approved

Mar 6, 2021

Forgiven

$23,616

Jobs Reported

3

Loan #

7441768504

Loan Size

Small

Frank Sciarabba

Sole Proprietorship

$20,833 Paid in Full
Address:
1200 N Foxdale Dr
Addison, IL60101-5500
Approved

Apr 19, 2021

Forgiven

$20,921

Jobs Reported

1

Loan #

6363388801

Loan Size

Small

Amies Nails INC.

Subchapter S Corporation

$2,603 Paid in Full
Address:
648 W Lake St
Addison, IL60101-2286
Approved

Mar 12, 2021

Forgiven

$2,616

Jobs Reported

1

Loan #

9499998505

Loan Size

Small

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

Find John Bertakis 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
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John Bertakis in Kissimmee, FL: Background Summary

Location
128 Campeche Ln, Kissimmee, FL 34743
Other Locations
Grosse Pointe Farms, MI ยท Addison, IL ยท Itasca, IL
Profiles Found
8 people with this name
Phone Numbers
(407) 348-1200 and 8 others on file
Email
ibertakis@gmail.com and 2 others on file
Possible Relatives
Deborah L Bertakis, Debbie Bertakis, Ingeborg Bertakis, Cynthia E Bertakis, Constantin S Bertakis and 1 more
Career
Managing Member, Director at Villa Point, Bertakis Development Inc
Properties
2properties owned
Vehicles
8 linked โ€” 2007 Bmw 3 Series, 2007 Jeep Grand Cherokee and 6 more
Contributions
$9,421 total โ€” White, Jesse, Democratic Congressional Campaign Committee
PPP Loans
$211K for Frank Sciarabba, Ortho Care Physical Therapy INC.

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 John Bertakis. Because public records are indexed by name rather than by a unique identifier, the 92 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 John Bertakis

Search Complexity: High

92 public records across 5states, belonging to approximately 8 different individuals. With 8 distinct profiles across 5 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 5 states. Highest concentration: Illinois (22%), followed by Michigan and Florida. Spans the Midwest and South regions.

IL20recordsMI20recordsFL11recordsLA1recordTX1record

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (26%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (17) and Business & Corporate Filings (15).

23
Political Contribution Records
17
Contact & Address Records
15
Business & Corporate Filings
14
Corporate Records
8
Vehicle Registration Records
7
PPP Loan Records

Age Distribution

Age range: approximately 27 years, suggesting multiple generations. Largest group: Senior (65+) (40%).

Senior (65+)2peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About John Bertakis

Is John Bertakis a registered voter?
Yes, voter registration records show John Bertakis is registered in . 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 John Bertakis own property?
County assessor records show 3 properties associated with John Bertakis . 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 John Bertakis?
Records show 8 vehicle registrations associated with John Bertakis, including a 2007 BMW 3 SERIES. Registered makes include Bmw, Jeep, Toyota, Mercedes-Benz. 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 John Bertakis?
We found 15 business affiliations for John Bertakis, including Villa Point. Other companies include Bertakis Development Inc, Minos Imported Foods. Business records are compiled from state registries, SEC filings, and professional databases.
Has John Bertakis made political donations?
FEC disclosure records show 23 reported political contributions from John Bertakis, totaling $9,421. Recipients include Democratic Congressional Campaign Committee and White, Jesse. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for John Bertakis?
Our database contains 92 total records for John Bertakis spanning 5 states. This includes 8 distinct contact records, 7 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 John Bertakis?
The 92 records displayed for John Bertakis 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 John Bertakis 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.