Timothy E Clyde

Age 73 b. 1953-01-24
๐Ÿ“ 2609 E Norwich Ave, Fresno Ca
๐Ÿ“ž (559) 224-6740, (559) 824-7860
โœ‰๏ธ TIMCLYDE@YAHOO.COM

Timothy Clyde from Fresno, CA

Age 73 b. Jan 1953 Fresno Co.
๐Ÿ“ 2609 E Norwich Ave
๐Ÿ“ž (559) 224-6740

Timothy Clyde from Jamaica, NY

Age 57
๐Ÿ“ 11517 133rd St, Jamaica, NY 11420
๐Ÿ“ž (718) 641-2295
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Annette Timothy,Annette Timothy

Timothy Clyde

๐Ÿ“ 5443 Vickery Blvd, Dallas Tx
๐Ÿ“ž (214) 316-3607, (972) 832-0323
โœ‰๏ธ TDCLYDE@GMAIL.COM

Timothy Clyde from Pleasant Grove, UT

Age 54 b. Apr 1971 Utah Co.
๐Ÿ“ 12 W Siena Dr
๐Ÿ“ž (801) 785-4668

Timothy Clyde from Sacramento, CA

Age 75 b. Jan 1951 Sacramento Co.
๐Ÿ“ 836 N Hill Way
๐Ÿ“ž (281) 540-9093

Timothy Clyde from San Leandro, CA

Age 53 b. Sep 1972 Alameda Co.
๐Ÿ“ 14877 Midland Rd
๐Ÿ“ž (410) 551-9492

Timothy Clyde from Summerville, SC

Age 76 b. Dec 1949 Dorchester Co.
๐Ÿ“ 517 E Richardson Ave
๐Ÿ“ž (803) 873-6417

Timothy Clyde from Jamaica, NY

Age 69 b. Mar 1957 Queens Co.
๐Ÿ“ 11433 Lefferts Blvd
๐Ÿ“ž (715) 262-5611

Timothy Clyde from Phoenix, AZ

Age 47 b. Jul 1978 Maricopa Co.
๐Ÿ“ 185 N 52nd St 2401
๐Ÿ“ž (316) 733-0749

Timothy Clyde from Oceanside, CA

0
๐Ÿ“ 3277 San Tomas Dr, Oceanside, CA 92056
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Pamela Sue Lambrecht

Timothy Clyde from Pomona, CA

Male
๐Ÿ“ 5 Hermosa
๐Ÿ“ž (909) 524-5300 (T-MOBILE)

Timothy Clyde from Fairmont, WV

Age 67 b. Mar 1959 Marion Co.
๐Ÿ“ 1000 Locust Ave

Timothy Clyde from Bunker Hill, WV

Age 51 b. 1975 Berkeley Co.
๐Ÿ“ 33 Decatur Dr

Timothy Clyde from San Antonio, TX

Age 53 b. Jul 1972 Bexar Co.
๐Ÿ“ 3935 Thousand Oaks Dr 1505

Timothy Clyde from Pleasant Grove, UT

Age 54 b. Apr 1971 Utah Co.
๐Ÿ“ 220 N 1300 W

Timothy Clyde from Newport, TN

Age 80 b. Sep 1945 Cocke Co.
๐Ÿ“ Po Box 1456

Timothy Clyde from Yucaipa, CA

Age 62 b. Dec 1963 San Bernardino Co.
๐Ÿ“ 12753 9th St

Timothy Clyde from Merchantville, NJ

Age 49 b. Sep 1976 Camden Co.
๐Ÿ“ 103 S Center St B

Timothy Clyde from Cedar Rapids, IA

Age 68 b. May 1957 Linn Co.
๐Ÿ“ 1520 2nd Ave Se 4

Timothy Clyde from Fort Meade, MD

Age 53 b. Sep 1972 Anne Arundel Co.
๐Ÿ“ 7502 Young St

Timothy Clyde from Moscow, ID

Latah Co.
๐Ÿ“ 1491 Sand Rd
๐Ÿ“ž (208) 882-8748

Timothy Clyde from Cranberry Twp, PA

Butler Co.
๐Ÿ“ 102 Crossing Ridge Trl
๐Ÿ“ž (724) 766-7428

Timothy Clyde from Irvine, CA

๐Ÿ“ 2 Hermosa
๐Ÿ“ž (714) 544-7371

Timothy Clyde from Sasser, GA

๐Ÿ“ 1160 Hicks Rd

Timothy Clyde from Detroit, MI

Wayne Co.
๐Ÿ“ 17364 Fielding Detr

Timothy Clyde from Hanover, PA

York Co.
๐Ÿ“ 7817 Kawshek Pa

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 27 contact records for Timothy Clyde across 15 states. The most recent address on file is in Fresno, California. Of these records, 14 include phone numbers and 2 include email addresses. The listed age is 57. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Clyde Timothy

Carroll County
PIN: 705075998
· 6044 Kennard Ct, SYKESVILLE md
Built: 1994.0
Assessed: $358,300

Clyde Timothy

Queens County
PIN: 41167659
· 115-17 133 Street, New York City ny
Built: 1920.0

Clyde Timothy Earl & Kathleen

Fresno County
· 2609 E Norwich Ave, Fresno Ca 93726

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

Timothy Clyde

Warwick, 31796
DOB: 1/1/1976 Gender: Male
Congress: 008

Timothy Clyde

Loganville, 30052
DOB: 1/1/1975 Gender: Male
Congress: 010

Timothy Clyde

Loganville, 30052
DOB: 1/1/1999 Gender: Male
Congress: 010

Timothy Clyde

Unaffiliated
6044 Kennard Ct, Sykesville, MD, 21784
Gender: Male
County: Carroll

Timothy C Clyde

Reg: N970424
30971 State Route 26
DOB: 19961109 Gender: Male
Senate: 21

Timothy Alfred Clyde

Republican Reg: 11/9/2011
365 Farm Way, Forest Grove, OR, 97116
DOB: 1/1/1978
County: Washington

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 6 voter registration records were found for Timothy Clyde in Maryland, Oregon. Records show affiliations with UNA, REP, which may reflect different individuals or changes over time. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 Acura MDX
ยท Registered to: Timothy Clyde
ยท VIN: 2HNYD2H32CH514301
·
2 Hermosa, Irvine, CA, 92620
·
(714) 544-7371
2013 Kia Sorento
ยท Registered to: Timothy Clyde
ยท VIN: 5XYKT3A62DG410240
·
1321 Waterbury Dr, Medina, OH, 44256
·
(724) 991-5884
2000 FORD F350 FULL SIZE TRUCK
ยท Registered to: Timothy Clyde
ยท VIN: 1FTSW31F1YEB21369
·
1491 Sand Rd, Moscow, ID, 83843
·
(208) 882-8748
2011 Chevrolet Traverse
ยท Registered to: Timothy Clyde
ยท VIN: 1GNKVGED3BJ145388
·
6004 Kennard Ct, Sykesville, MD, 21784-8422
·
(443) 300-6001
1995 BMW 5 SERIES WAGON
ยท Registered to: Timothy Clyde
ยท VIN: WBAHJ6323SGD26563
·
4039 Bobolink Ln, Hiawatha, IA, 52233
1972
ยท Registered to: Timothy Clyde
ยท VIN: CKE242Z150931
·
1491 Sand Rd, Moscow, ID, 83843
·
(208) 882-8748
1999 FORD EXPLORER WAGON
ยท Registered to: Timothy Clyde
ยท VIN: 1FMZU34E7XUC50045
·
4039 Bobolink Ln, Hiawatha, IA, 52233
2004 GMC ENVOY WAGON
ยท Registered to: Timothy Clyde
ยท VIN: 1GKDT13S442430348
·
44 Clematis Ct, Martinsburg, WV, 25401
2006 Acura TL
ยท Registered to: Timothy Clyde
ยท VIN: 19UUA662X6A053786
·
2 Hermosa, Irvine, CA, 92620
·
(714) 544-7371
ยท Registered to: Timothy Clyde
·
1321 Waterbury Dr, Medina, OH, 44256
·
(330) 952-2243

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 10 vehicle registration records are associated with Timothy Clyde. Registered makes include Acura, Kia, Ford, Chevrolet 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.

Katzkin

Chief Executive Officer
+13237251243tim.clyde@katzkin.com
Montebello,

Avery Dennison Office Pdts Co

Vice-President
(626) 304-2000
Pasadena, CA
Allied and Paper Products (Products)

Coldwell Banker Res. Brok. Gam

Timothy Clyde
tclyde1@umbc.edu
Gambrills, 21054MD

American Legion Robert Markwick Post #798

Timothy Clyde2nd Vp
Philadelphia, NY

Timothy Clyde

Lead Systems Engineer
Dod
Maryland

Wilton Mortuary

Timothy ClydeManager
(801) 458-6718timothy.clyde@mail.com
12 W Siena Dr, Pleasant Grove, UT84062
wiltonmortuary.com

Timothy Clyde

Student at San Joaquin V ยท Fresno, California Area

Timothy Clyde

President, SM
Pasadena, CA

Wilton Mortuary

Timothy ClydeManager
(801) 458-6718timothy.clyde@mail.com
12 W Siena Dr, Pleasant Grove, UT84062

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 11 business affiliations were found for Timothy Clyde. Companies include Avery Dennison Office Pdts Co, Coldwell Banker Res. Brok. Gam, Wilton Mortuary. Roles listed include Chief Executive Officer and 2nd Vp. Records are compiled from state business registries, SEC filings, and professional networking databases.

Katzkin Leather, INC.

Filed: Sep 30, 1998
CEO: Timothy S. Clyde

Unknown Corporation

Addr: 1018 Kentington Oak Dr., Humble, TX, 77396
TX
Director: timothy J. clyde

Clean Hands Of Texas, INC.

Addr: 1018 Kentington Oak Dr., Humble, TX, 77396
TX
Director: Timothy Clyde

Unknown Corporation

Addr: 11500 Jollyville Rd, Austin, TX, 78759
TX
Officer: Timothy Duncan Clyde

D&T Enterprises, INC

ID: 0801035312
Addr: 12 West Siena Drive, Pleasant Grove, UT, 84067
UT
Director: Timothy W Clyde

Clean Hands Of Texas, INC.

ID: 0800057148
Addr: 1018 Kentington Oak Dr., Humble, TX, 77396
TX
Director: Timothy J. Clyde

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

Timothy Clyde

Star of the Sea Academy - San Francisco, CA, CA
1985

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Timothy Clyde 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 Jul 27, 2010
2010 DEM
Neal, Richard E
Clyde, Timothy S General Manager @ Avery Dennison Irvine, CA
$2,400 Mar 22, 2010
2010 DEM
Boxer, Barbara
Clyde, Timothy General Manager @ Avery Dennison Irvine, CA
$18 Jan 25, 2007
2008
Realtors Pac Md Md Rpac
Clyde, Timothy Gambrills, MD
$5,000 May 6, 2010
2010
Avery Dennison Corporation Employee Political Action Committee (adepac)
Clyde, Timothy S Gvp @ Avery Dennison Irvine, CA
$18 Jan 30, 2009
2010
Realtors Pac Md Md Rpac
Clyde, Timothy Gambrills, MD
$2,400 Mar 22, 2010
DEM
Boxer, Barbara
Contributor General Manager @ Avery Dennison Irvine, CA
$2,400 Mar 22, 2010
Unknown Committee
Clyde, Timothy General Manager @ Avery Dennison Irvine, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 7 political contribution records found for Timothy Clyde. Total disclosed contributions amount to $13,235. Recipients include Boxer, Barbara. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Timothy A Clyde

Age 67 Male
·
304 Heaton Rd, Reevesville, SC 29471 (Dorchester County)
33.1884, -80.6605
Marital: Single TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1994 Purchased 2007
MP

Timothy D Clyde

Age 45 Male
·
5303 Hamilton Wolfe Rd, San Antonio, TX 78229 (Bexar County)
29.5201, -98.5888
TZ: Central
Multi-Family
MP

Timothy Clyde

Age 44 Male
·
6044 Kennard Ct, Sykesville, MD 21784 (Carroll County)
39.4081, -76.9542
· (410) 549-4220
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1994 Purchased 2007
MP

Timothy H Clyde

Age 40 Male
·
44 Clematis Ct, Martinsburg, WV 25401 (Berkeley County)
39.4613, -77.9551
· (304) 283-1709
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2004 Purchased 2004
MP

Timothy E Clyde

Age 64 Male
·
2609 E Norwich Ave, Fresno, CA 93726 (Fresno County)
36.8006, -119.7800
· (559) 224-6740
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Purchased 1988
MP

Timothy W Clyde

Male
·
12 W Siena Dr, Pleasant Grv, UT 84062 (Utah County)
40.3857, -111.7420
· (801) 458-6718
TZ: Mountain
Homeowner Single Family Built 2005 Purchased 2014
MP

Timothy P Clyde

Age 58 Male
·
6000 Triple Crown Dr, Medina, OH 44256 (Medina County)
41.1100, -81.8466
· (724) 991-5887
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2001 Purchased 2016
MP

Timothy Clyde

Age 66 Male
·
7216 Santa Teresa Way, Sacramento, CA 95831 (Sacramento County)
38.4952, -121.5340
Marital: Single TZ: Pacific
Single Family
MP

Timothy Clyde

Age 60 Male
·
1726 Park Ave SE, Cedar Rapids, IA 52403 (Linn County)
41.9865, -91.6451
Marital: Single TZ: Central
Occ: Management Edu: Some College
Single Family
MP

Timothy Clyde

Age 61 Male
·
19773 Avon Ave, Detroit, MI 48219 (Wayne County)
42.4366, -83.2269
Marital: Inferred Single TZ: Eastern
Edu: Some College
Single Family
MP

Timothy W Clyde

Age 56 Male
·
1491 Sand Rd, Moscow, ID 83843 (Latah County)
46.7141, -117.0160
Marital: Married TZ: Pacific
Edu: Graduate School
Homeowner Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 11 demographic profiles associated with Timothy Clyde. 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 Timothy Clyde. These loans were issued to businesses, not individuals.

Timothy Clyde

Independent Contractors

$8,512 Paid in Full
Address:
5274 Johnson Spur
Loganville, GA30052-2977
Approved

May 12, 2021

Forgiven

$8,561

Jobs Reported

1

Loan #

9128248907

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Timothy Clyde. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Timothy Clyde on the map

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Timothy Clyde in Fresno, CA: Background Summary

Location
2609 E Norwich Ave, Fresno Ca, Fresno, CA
Other Locations
Pleasant Grove, UT ยท Sacramento, CA ยท San Leandro, CA and 18 more
Profiles Found
27 people with this name
Phone Numbers
(559) 224-6740 and 14 others on file
Email
timclyde@yahoo.com and 1 other on file
Possible Relatives
Annette Timothy, Pamela Sue Lambrecht
Career
Chief Executive Officer, 2nd Vp at Avery Dennison Office Pdts Co, Coldwell Banker Res. Brok. Gam
Voter Registration
Registered No Party Preference
Properties
3properties owned
Vehicles
10 linked โ€” 2012 Acura Mdx, 2013 Kia Sorento and 8 more
Contributions
$13.2K total โ€” Boxer, Barbara
PPP Loans
$8,512 for Timothy Clyde

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 Timothy Clyde. Because public records are indexed by name rather than by a unique identifier, the 86 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 Timothy Clyde

Search Complexity: High

86 public records across 17states, belonging to approximately 27 different individuals. With 27 distinct profiles across 17 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 17 states. Highest concentration: California (22%), followed by Utah and Texas. Spans the West and South regions.

CA19recordsUT7recordsTX6recordsMD5recordsNY4recordsWV3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (41%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (11) and Vehicle Registration Records (10).

30
Contact & Address Records
11
Business & Corporate Filings
10
Vehicle Registration Records
7
Political Contribution Records
6
Voter Registration Records
6
Corporate Records

Age Distribution

Age range: approximately 33 years, suggesting multiple generations. Largest group: Senior (65+) (46%).

Senior (65+)6peopleMiddle-Age (40-64)7people

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

Frequently Asked Questions About Timothy Clyde

Is Timothy Clyde a registered voter?
Yes, voter registration records show Timothy Clyde is registered. We found 6 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Timothy Clyde own property?
County assessor records show 3 properties associated with Timothy Clyde . 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 Timothy Clyde?
Records show 10 vehicle registrations associated with Timothy Clyde, including a 2012 Acura MDX. Registered makes include Acura, Kia, Ford, Chevrolet. 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 Timothy Clyde?
We found 11 business affiliations for Timothy Clyde (Chief Executive Officer). Other companies include Coldwell Banker Res. Brok. Gam, Wilton Mortuary. Business records are compiled from state registries, SEC filings, and professional databases.
Has Timothy Clyde made political donations?
FEC disclosure records show 7 reported political contributions from Timothy Clyde, totaling $13,235. Recipients include Boxer, Barbara. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Timothy Clyde?
Our database contains 86 total records for Timothy Clyde spanning 17 states. This includes 27 distinct contact records, 14 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 Timothy Clyde?
The 86 records displayed for Timothy Clyde 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 Timothy Clyde 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.