Todd Lindeman

Age 40 b. 1985-12-09
๐Ÿ“ 282 Woodside Dr, Sonora Ca
๐Ÿ“ž (209) 743-5588, (209) 743-5586, (111) 111-0001, (209) 743-5585
โœ‰๏ธ TODD.R.LINDEMAN@ATT.NET, todd.r.lindeman@att.net, todd.lindeman@att.net

Todd Lindeman from Denver, CO

Age 42
๐Ÿ“ 1885 Quebec Way #a16, Denver, CO 80231
๐Ÿ“ž (202) 554-6704, (401) 368-8422, (202) 554-6704, (401) 392-0408
โœ‰๏ธ tlindeman@earthlink.net

Todd R Lindeman

Age 55 b. 1970-08-26
๐Ÿ“ 25030 Aughton Dr, Spring Tx 77389
๐Ÿ“ž (916) 549-6699
โœ‰๏ธ TODDLINDERMAN@YAHOO.COM, toddlinderman@yahoo.com

Todd Lindeman from Bellville, OH

Age 38
๐Ÿ“ 11981 Yankee St, Bellville, OH 44813
๐Ÿ“ž (740) 694-2111, (740) 694-2111, (419) 886-4220
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Steven M Lindeman,Kathleen J Lindeman,Lisa Lynette Lindeman,Kristine E Lindeman,Kathy J Lindeman

Todd Lindeman from Antioch, CA

Age 59 b. Nov 1966 Contra Costa Co.
๐Ÿ“ 812 Buttonwood Ct
๐Ÿ“ž (925) 978-2677

Todd Lindeman from Cincinnati, OH

Age 69 b. Apr 1956 Hamilton Co.
๐Ÿ“ 7024 Hearne Rd
๐Ÿ“ž (513) 598-1690

Todd Lindeman from Chicago, IL

Age 48
๐Ÿ“ 3831 Fremont St #117, Chicago, IL 60613
๐Ÿ“ž (773) 281-9670, (773) 281-9670, (816) 931-8054
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Lori Tesenelindeman

Todd Lindeman from Denver, CO

Age 59 b. Nov 1966 Adams Co.
๐Ÿ“ 13321 Columbine Cir
๐Ÿ“ž (303) 920-1412

Todd Lindeman from Kansas City, MO

Age 60 b. Jan 1966 Jackson Co.
๐Ÿ“ 4158 Roanoke Rd
๐Ÿ“ž (972) 446-9758

Todd Lindeman from Chaska, MN

Age 64 b. Mar 1962 Carver Co.
๐Ÿ“ 439 Ridge Ln
๐Ÿ“ž (952) 368-7484

Todd Lindeman from Martinsville, IN

Age 53 b. Sep 1972 Morgan Co.
๐Ÿ“ 5082 State Road 252
๐Ÿ“ž (765) 349-2977

Todd Lindeman from Carmichael, CA

Male
๐Ÿ“ 3606 Kearney Way
๐Ÿ“ž (916) 549-6699 (SPRINT)

Todd Lindeman from San Jose, CA

Age 46 b. 1980 Male
๐Ÿ“ 6298 Snell Ave
๐Ÿ“ž (408) 578-4040

Todd Lindeman from Folsom, CA

Age 55 b. Aug 1970 Sacramento Co.
๐Ÿ“ 240 Natoma Station Dr Apt 233

Todd Lindeman from Chicago, IL

Age 60 b. Jan 1966 Cook Co.
๐Ÿ“ 3831 N Fremont St

Todd Lindeman from Greenwood, IN

Age 61 b. Sep 1964 Johnson Co.
๐Ÿ“ 1553 Creekside Ln

Todd Lindeman from Cleveland, OH

Age 55 b. Dec 1970 Cuyahoga Co.
๐Ÿ“ 6507 Marsol Rd 528

Todd Lindeman from San Jose, CA

Age 60 b. May 1965 Santa Clara Co.
๐Ÿ“ 2340 Pauline Dr
๐Ÿ‘ค aka Lindeman Todd

Todd Lindeman from Bellevue, OH

Age 49 b. Jul 1976 Huron Co.
๐Ÿ“ 7228 Sr 13

Todd Lindeman from Washington, DC

Age 54 b. Sep 1971 District Of Columbia Co.
๐Ÿ“ 265 Kentucky Ave

Todd Lindeman from Climax, MI

Age 64 b. Nov 1961 Kalamazoo Co.
๐Ÿ“ 6206 S 44th St

Todd Lindeman from Washington, DC

Age 54 b. Sep 1971 District Of Columbia Co.
๐Ÿ“ Po Box 15115

Todd Lindeman from Chaska, MN

๐Ÿ“ 1410 Wildflower Ln
๐Ÿ“ž (952) 933-0807

Todd Lindeman from San Jose, CA

Age 46 b. 1980 Male
๐Ÿ“ 5429 Lean Ave

Todd Lindeman from Akron, OH

Summit Co.
๐Ÿ“ 1430 Portage Lakes Dr

Todd Lindeman from Eden Prairie, MN

Hennepin Co.
๐Ÿ“ 6300 Chatham Wa

Todd Lindeman from Fredericktown, OH

๐Ÿ“ 11821 Yankee St

Todd Lindeman from Brownton, MN

Mcleod Co.
๐Ÿ“ 14324 30th St

Todd Lindeman from Climax, MI

Kalamazoo Co.
๐Ÿ“ 329 W Maple St

Todd Lindeman from Madison, WI

Dane Co.
๐Ÿ“ 936 Williamson St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 32 contact records for Todd Lindeman across 10 states. The most recent address on file is in Antioch, California. Of these records, 16 include phone numbers and 5 include email addresses. Ages range from 38 to 48, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Lindeman Todd & Trisha

Fulton County
· 950 West Peachtree St # 1903, Atlanta Ga
Assessed: $117,560

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

Todd Lindeman

Atlanta, 30309
DOB: 1/1/1966 Gender: Male
Congress: 005

Todd Lindeman

Democrat
1100n Grant St Apt 408, Denver, CO, 80203
DOB: 1966 Gender: Male Ph: 303-920-1412
County: Denver

Todd R Lindeman

DEMOCRATIC Reg: 9/19/2000

Todd Eric Lindeman

County: Kansas City

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Todd Lindeman in Colorado. Records show affiliations with DEM, DEMOCRATIC, 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.

2005 CHEVROLET MALIBU
ยท Registered to: Todd Lindeman
ยท VIN: 1G1ZT528X5F304688
·
PO Box 13, Brownton, MN, 55312
·
(320) 328-4186
2001 SUBARU FORESTER
ยท Registered to: Todd Lindeman
ยท VIN: JF1SF65511H741393
·
1100 Grant St Unit 408, Denver, CO, 80203
·
(303) 861-3959
2012 Chevrolet Volt
ยท Registered to: Todd Lindeman
ยท VIN: 1G1RB6E45CU105140
·
629 4th St Sw, Washington, DC, 20024-2717
·
(202) 554-6704
2005 Infiniti G35
ยท Registered to: Todd Lindeman
ยท VIN: JNKCV51F25M311393
·
629 4th St Sw, Washington, DC, 20024
·
(202) 554-6704
2001 FORD F150 FULL SIZE TRUCK
ยท Registered to: Todd Lindeman
ยท VIN: 1FTRW08L21KD60624
·
3606 Kearney Way, Carmichael, CA, 95608
2018 Chevrolet Tahoe
ยท Registered to: Todd Lindeman
ยท VIN: 1GNSKAEC5JR269756
·
11821 Yankee St, Fredericktown, OH, 43019
2018 SUBARU CROSSTREK
ยท Registered to: Todd Lindeman
ยท VIN: JF2GTAJC8JH237490
·
1410 Wildflower Lane, Chaska, MN, 55318
2012 HYUNDAI SONATA
ยท Registered to: Todd Lindeman
ยท VIN: 5NPEC4AC9CH357875
·
1410 Wildflower Ln, Chaska, MN, 55318-9738
·
(952) 933-0807
2013 Ford Escape
ยท Registered to: Todd Lindeman
ยท VIN: 1FMCU0H90DUC56007
·
5723 Sherwood Forest Dr, New Franklin, OH, 44319
·
(330) 882-2785
2009 Chrysler Town & Country
ยท Registered to: Todd Lindeman
ยท VIN: 2A8HR54139R565122
·
11981 Yankee St, Fredericktown, OH, 44813-9635
·
(740) 694-2111
ยท Registered to: Todd Lindeman
·
7024 Hearne Rd, Cincinnati, OH, 45248
·
(513) 598-1690

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 11 vehicle registration records are associated with Todd Lindeman. Registered makes include Chevrolet, Subaru, Infiniti, Ford and others. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

SPI - Software Paradigms International

Vice-president Customer Experience
+17709047720todd.lindeman@spi.com
Atlanta,

Todd Lindeman

Estimator
Carter Lumber
Kent, Ohio, United States Building Materials

Todd Lindeman

Estimator
Carter Lumber

Todd Lindeman

Bloomington, Indiana Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 21 business affiliations were found for Todd Lindeman. Companies include Carter Lumber. Roles listed include Vice-president Customer Experience and Vice-president Customer Success. Records are compiled from state business registries, SEC filings, and professional networking databases.

Todd Lindeman

Todd Lindeman

Todd Lindeman

Todd Lindeman

Todd Lindeman

Todd Lindeman

Todd Lindeman

Manchester Alumni Scholarship Fund

Addr: 5723 Sherwood Forest Drive, Akron, OH, 44319
OH
Officer: Todd M. Lindeman

Unknown Corporation

ID: 1446554
Officer: Todd Lindeman

Source: Public Records Todd Lindeman appears in 9 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Todd Lindeman

Santa Teresa High School - San Jose, CA, CA
1983

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Todd Lindeman 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.

$50 Oct 23, 2020
2020
Trump Make America Great Again Committee
Lindeman, Todd Retired Kingsford, MI
$50 Jun 24, 2020
2020
Trump Make America Great Again Committee
Lindeman, Todd Retired Kingsford, MI
$194 Aug 31, 2023
2024
Trump Save America Joint Fundraising Committee
Lindeman, Todd Retired Santa Clara, CA
$194 Aug 31, 2023
Trump Save America Joint Fundraising Committee
Contributor Retired Santa Clara, CA
$194 Aug 31, 2023
Unknown Committee
Lindeman, Todd Retired Santa Clara, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for Todd Lindeman. Total disclosed contributions amount to $682. Recipients include Trump Save America Joint Fundraising Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Todd Lindeman

Age 37 Male
·
5429 Lean Ave, San Jose, CA 95123 (Santa Clara County)
37.2555, -121.8180
· (408) 578-4040
Marital: Single TZ: Pacific
Edu: High School
Single Family
MP

Todd Lindeman

Age 54 Male
·
439 Ridge Ln, Chaska, MN 55318 (Carver County)
44.8080, -93.5934
Marital: Married TZ: Central
Edu: High School
Single Family
MP

Todd Lindeman

Male
·
2787 Camero Dr, Lincoln, CA 95648 (Placer County)
38.8423, -121.2860
TZ: Pacific
Single Family
MP

Todd Lindeman

Male
·
1315 Sunnyside Rd SE, Bemidji, MN 56601 (Beltrami County)
47.4531, -94.7779
TZ: Central
Homeowner Single Family Built 1988 Purchased 2012
MP

Todd L Lindeman

Age 66 Male
·
716 Marquette Blvd, Kingsford, MI 49802 (Dickinson County)
45.8143, -88.0919
Marital: Married TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family
MP

Todd R Lindeman

Age 45 Male
·
629 4th St SW, Washington, DC 20024 (District of Columbia County)
38.8817, -77.0174
· (202) 554-6704
Marital: Single TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1967 Purchased 2000
MP

Todd Lindeman

Male
·
950 W Peachtree St NW, Atlanta, GA 30309 (Fulton County)
33.7806, -84.3875
TZ: Eastern
Homeowner Multi-Family Built 2006 Purchased 2015
MP

Todd R Lindeman

Age 47 Male
·
25030 Aughton Dr, Spring, TX 77389 (Harris County)
30.1224, -95.5470
Marital: Inferred Married TZ: Central
Occ: Insurance Edu: Some College
Single Family
MP

Todd M Lindeman

Age 46 Male
·
6377 Manchester Rd, Clinton, OH 44216 (Summit County)
40.9326, -81.5669
· (330) 882-2785
Marital: Married TZ: Eastern
Homeowner Single Family Purchased 2016
MP

Todd Lindeman

Age 44 Male
·
5128 E Earl Young Rd, Bloomington, IN 47408 (Monroe County)
39.2271, -86.4547
· (812) 822-1411
Marital: Married TZ: Eastern
Homeowner Single Family Built 1995 Purchased 2010
MP

Todd Lindeman

Age 61 Male
·
7024 Hearne Rd, Cincinnati, OH 45248 (Hamilton County)
39.1889, -84.6765
Marital: Married TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Single Family Built 1954 Purchased 1995
MP

Todd R Lindeman

Age 41 Male
·
282 Woodside Dr, Sonora, CA 95370 (Tuolumne County)
37.9814, -120.3910
Marital: Single TZ: Pacific
Homeowner Single Family Built 2005 Purchased 2010
MP

Todd L Lindeman

Age 49 Male
·
PO Box 13, Brownton, MN 55312 (McLeod County)
44.7102, -94.3286
· (320) 328-4186
Marital: Single TZ: Central
Homeowner

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 13 demographic profiles associated with Todd Lindeman. 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 Todd Lindeman. These loans were issued to businesses, not individuals.

Sawyer Timber Co. LLP

Partnership

$127,300 Paid in Full
Address:
PO Box 13
Backus, MN56435-0013
Approved

Apr 4, 2020

Forgiven

$128,021

Jobs Reported

17

Loan #

4910327004

Loan Size

Small

Pepperl & Fuchs INC

Corporation

$5,831,302 Paid in Full
Address:
1600 Enterprise Pkwy
Twinsburg, OH44087-2202
Approved

Apr 28, 2020

Forgiven

$5,913,426

Jobs Reported

385

Loan #

6397157205

Loan Size

Large

Smith Pumps & Plumbing, INC

Limited Liability Company(LLC

$142,847 Paid in Full
Address:
PO Box 13
Owosso, MI48867
Approved

Apr 27, 2020

Forgiven

$144,143

Jobs Reported

8

Loan #

4970717201

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Todd Lindeman. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Todd Lindeman on the map

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Todd Lindeman in Sonora, CA: Background Summary

Location
282 Woodside Dr, Sonora Ca, Sonora, CA
Other Locations
Antioch, CA ยท Cincinnati, OH ยท Denver, CO and 17 more
Profiles Found
32 people with this name
Phone Numbers
(209) 743-5588 and 19 others on file
Email
todd.r.lindeman@att.net and 7 others on file
Possible Relatives
Lisa June Lindeman, Anthony A Lindeman, Blair M Lindeman, Blake Lindeman, Casey Lindeman and 97 more
Career
Vice-president Customer Experience, Vice-president Customer Success at Carter Lumber
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
11 linked โ€” 2005 Chevrolet Malibu, 2001 Subaru Forester and 9 more
Contributions
$682 total โ€” Trump Save America Joint Fundraising Committee
PPP Loans
$6101K for Sawyer Timber Co. LLP, Pepperl & Fuchs 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 Todd Lindeman. Because public records are indexed by name rather than by a unique identifier, the 108 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 Todd Lindeman

Search Complexity: High

108 public records across 13states, belonging to approximately 32 different individuals. With 32 distinct profiles across 13 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 13 states. Highest concentration: California (14%), followed by Ohio and Minnesota. Spans the Midwest and West regions.

CA15recordsOH11recordsMN10recordsCO6recordsDC5recordsMI4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (43%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (21) and Vehicle Registration Records (11).

40
Contact & Address Records
21
Business & Corporate Filings
11
Vehicle Registration Records
9
Corporate Records
5
Political Contribution Records
4
Voter Registration Records

Age Distribution

Age range: approximately 37 years, suggesting multiple generations. Largest group: Senior (65+) (19%).

Senior (65+)3peopleMiddle-Age (40-64)12peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Todd Lindeman

Is Todd Lindeman a registered voter?
Yes, voter registration records show Todd Lindeman is registered. We found 4 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Todd Lindeman own property?
County assessor records show 1 property associated with Todd Lindeman . 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 Todd Lindeman?
Records show 11 vehicle registrations associated with Todd Lindeman, including a 2005 CHEVROLET MALIBU. Registered makes include Chevrolet, Subaru, Infiniti, Ford. 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 Todd Lindeman?
We found 21 business affiliations for Todd Lindeman (Vice-president Customer Experience). Business records are compiled from state registries, SEC filings, and professional databases.
Has Todd Lindeman made political donations?
FEC disclosure records show 5 reported political contributions from Todd Lindeman, totaling $682. Recipients include Trump Save America Joint Fundraising Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Todd Lindeman?
Our database contains 108 total records for Todd Lindeman spanning 13 states. This includes 32 distinct contact records, 16 with phone numbers, 5 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 Todd Lindeman?
The 108 records displayed for Todd Lindeman 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 Todd Lindeman 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.