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Wallace A Cotton Jr from Rancho Cucamonga, CA

Age 80 b. 10/17/1945
📍 Po Box 1600, #rancho Cucamonga, CA 91729-1600
✉️ mawach@aol.com, wallace.cotton@aol.com, cotton1010boys@yahoo.com
👨‍👩‍👧 Relatives: Ayana J Dereef,Cherelle L Cotton,Marie S Cotton,Wallace Cotton Jr,Wallace Cotton Jr,Marvin L Dereef,Marvin L Dereef Sr,Marvin L Dereef Sr,Anthony B Watts,Bridget P Watts,Chanette L Barber,Charles Barber,Chauncey Barber,Dangelo G Dereef,Daniel Watts,Danielle Denise Watts,Debra W Boular,Gloria Barber,Grady L Bouler Jr,Jacqueline M Mills,Janet C Barber,Jonathan T Page,Karen P Dereef,Laquandra Lashawn Barber,Latoya A Wylie,Latressy J Barber,Lydia Ann Watts,Mack D Watts,Mack D Watts,Marquis K Dereef,Marquis Kendya Dereef,Mary E Dereef,Mary E Dereef,Monique Levette Watts,Nick J Manzi,Osby Harris Watts,Ramell Maurice Watts,Raouf A Salahudiin,Reba Mae Alexander,Reginald Watts,Sabrina L Dereef,Shaneequa D Watts,Sherita N Watts,Tahir Page,Thelma D Freeman,Thomas G Barber Jr,Thomas G Barber,Viola D Watts,William B Barber,Willie Alonzo Dereef
🕐 5 previous addresses

Wallace Cotton from Houma, LA

Age 47
📍 397 Paris Ln, Houma, LA 70363
📞 (985) 873-9204, (985) 209-2694, (985) 705-1065, (985) 873-7948, (985) 879-1760, (985) 873-9204, (985) 580-4133
👨‍👩‍👧 Relatives: Teresa D Cotton,Wallace Dewey Cotton,Shirley Branscom Cotton,Julie Amadore Cotton,Lewis Cotton,Andy G Cotton,Angela Cotton,Shirley B Cotton,Theresa L Cotton

Wallace Cotton from New York, NY

Age 90
📍 180 End Ave #3a, New York, NY 10128
📞 (212) 249-3430, (212) 249-3904, (516) 239-7763
👨‍👩‍👧 Relatives: Eileen C Schlesinger,Howard E Cotton,Janet F Cotton,Lauren H Froelich,Janetf F Cotton,Lauren Cotton

Wallace Cotton

Age 73 b. 1953-01-31
📍 1701 Anna Rose Dr, Swansea Il
📞 (314) 319-4318, (618) 580-2663
✉️ COTTONWALLACE55@GMAIL.COM

Wallace Cotton from Westborough, MA

Age 92
📍 293 Turnpike Rd, Westborough, MA 01581
📞 (508) 366-1605, (508) 366-9286
👨‍👩‍👧 Relatives: Gina R Cotton,Michael W Cotton,Leatrice Ruth Cotton,Jordan Pearl Cotton,Jordan L Cotton,Pearlie Cotton,Fred S Cotton,Dnlfred S Cotton,Joseph Cotton
🏪 Auburn Corporation, The, Compound Corporation Of America, Inc

Wallace Cotton from Texas City, TX

Age 81
📍 6102 Mentor Dr, Texas City, TX 77591
📞 (409) 935-1884, (409) 935-1884, (409) 938-7909, (409) 933-0259
👨‍👩‍👧 Relatives: Patricia W Cotton,Darla Nichele Cotton,Tamesha Bourgeoiscotton,M Cotton
🏪 Most Worshipful St John Grand Lodge, Ancient Free And Accepted Masons, Incorporated, Jurisdiction Of

Wallace Cotton from St Petersburg, FL

Age 77 b. Feb 1949 Pinellas Co.
📍 2868 2nd St N
📞 (727) 895-2004

Wallace Cotton from Texas City, TX

Age 93 b. Jan 1933
📍 6102 Mentor Dr
📞 (409) 935-1884

Wallace Cotton from Atlanta, GA

Male
📍 4636 Yates Rd
📞 (404) 406-5400 (AT&T MOBILITY)

Wallace Cotton from Westborough, MA

Age 104 b. Sep 1921
📍 293 Boston Tpke 821 E

Wallace Cotton from Milledgeville, GA

Age 107 b. Jun 1918 Baldwin Co.
📍 205 Magnolia St

Wallace Cotton from Rembert, SC

Sumter Co.
📍 Po Box 24
📞 (803) 432-2745

Wallace Cotton from New York, NY

New York Co.
📍 180 E End Ave Apt 3 A
📞 (920) 739-8672

Wallace Cotton from Mc Rae, AR

Age 94 b. 1932 Male
📍 604 N Grand Ave

Wallace Cotton from Groton, CT

New London Co.
📍 149 Lafayette Dr

Wallace Cotton from Nortonville, KY

Hopkins Co.
📍 2789 Mannington Loop

Wallace Cotton from La Marque, TX

Galveston Co.
📍 1013 Veronica St

Wallace Cotton from Houma, LA

Terrebonne Co.
📍 397 Paris Ln

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 18 contact records for Wallace Cotton across 11 states. The most recent address on file is in St Petersburg, Florida. Of these records, 11 include phone numbers and 2 include email addresses. Ages range from 47 to 92, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Cotton, Wallace C

Pinellas County
PIN: 17 31 07 02754 004 0010
· 2868 2nd St N, St Petersburg 33704
Value: $186,346

Cotton Wallace L

Sumter County
· 4885 Ellerbe Mill Rd, Rembert

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Wallace Cotton in Rembert. Values shown are from county assessor records and may differ from current market prices.

Wallace Cotton

Atlanta, 30337
DOB: 1/1/1969 Gender: Male
Congress: 013

Wallace Cotton

Reg: 19880205
4636 Yates Rd, Atlanta, 30337
Gender: Male

Wallace K Cotton

County: St. Louis

Wallace Maxwell Cotton

Reg: 412940003
470 West End Avenue 8e
DOB: 19940403 Gender: Male
Senate: 10

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 4 voter registration records were found for Wallace Cotton. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2004 DODGE RAM 1500
· Registered to: Wallace Cotton
· VIN: 1D7HA16K54J117786
·
604 N Grand Ave, Mc Rae, AR, 72102
2011 Chevrolet Impala
· Registered to: Wallace Cotton
· VIN: 2G1WG5EK5B1305944
·
10501 Hoyt Dr, Saint Louis, MO, 63137-2223
·
(314) 504-0312
1981 CHEVROLET CORVETTE CAR PRESTIGE SPORTY
· Registered to: Wallace Cotton
· VIN: 1AY8761BS418430
·
2868 2nd St N, Saint Petersburg, FL, 33704
·
(727) 895-2004
2008 TOYOTA CAMRY SOLARA
· Registered to: Wallace Cotton
· VIN: 4T1FA38P18U139516
·
2868 2nd St N, Saint Petersburg, FL, 33704-2923
·
(727) 512-0184
1998 DODGE CARAVAN VAN
· Registered to: Wallace Cotton
· VIN: 2B4GP4437WR734958
·
604 N Grand Ave, Mc Rae, AR, 72102
2013 Hyundai Sonata
· Registered to: Wallace Cotton
· VIN: 5NPEC4AC5DH692035
·
10501 Hoyt Dr, Saint Louis, MO, 63137
·
(314) 504-0312

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with Wallace Cotton. Registered makes include Dodge, Chevrolet, Toyota, Hyundai. 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.

Thepointsguy.com

Community Manager
wallace@thepointsguy.com
New York,
LinkedIn

High Sierra Books

Owner
(478) 218-4441
Perry, GA
Miscellaneous Retail (Stores)

Midland Retired Military Association

Wallace CottonPresident
Dalzell, SC

Wallace Cotton

President
Grannus Investments Lnc
Lubbock, Texas, United States Financial Services
LinkedIn

Wallace Cotton

President
Grannus Investments Lnc
Texas
LinkedIn

Networking Newspaper For Women

Wallace CottonOwner
wallace.cotton@charter.net
2868 2nd St N, St petersburg, FL33704

Networking Newspaper For Women

Wallace CottonOwner
wallace.cotton@charter.net
2868 2nd St N, St petersburg, FL33704
networkingmagazineusa.com

Networking Newspaper For Women

Wallace CottonOwner
wallace.cotton@charter.net
2868 2nd St N, St petersburg, FL33704

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 8 business affiliations were found for Wallace Cotton. Companies include High Sierra Books, Grannus Investments Lnc, Networking Newspaper For Women. Roles listed include Community Manager and President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

SECRETARY: Wallace H. Cotton

Unknown Corporation

Addr: 293 Boston Turnpike, , Westboro, MA
MA
SECRETARY: Wallace H. Cotton

Auburn Corporation, The

Addr: 293 Boston Turnpike, , Westboro, MA
MA
SECRETARY: Wallace Cotton

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

wallace R. cotton

Deceased

Source: State Professional Licensing Boards · Dept. of Professional Regulation Wallace Cotton holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Wallace Cotton

Feb 9, 2010, 07:15 PM
· Meeting with: White House Staff
· WH
Purpose: BLACK HISTORY RECEPTION

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Wallace Cotton appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Wallace Cotton

Woodland High School - East Point, GA, GA
1988

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Wallace Cotton 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.

$4 Oct 26, 2020
2020 DEM
Greenfield, Theresa
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$25 Aug 13, 2010
2010
Safari Club International Pac (sci Pac)
Cotton, Wallace Production Manager @ Micro M Electronics, INC St Petersburg, FL
$300 Feb 25, 2010
2010
Safari Club International Pac (sci Pac)
Cotton, Wallace Production Manager @ Micro M Electronics, INC St Petersburg, FL
$4 Oct 26, 2020
2020 DEM
Ossoff, T. Jonathan
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$20 Sep 30, 2020
2020 DEM
Harrison, Jaime
Cotton, Wallace The Points Guy Brooklyn, NY
$10 Sep 22, 2020
2020 DEM
Harrison, Jaime
Cotton, Wallace The Points Guy Brooklyn, NY
$200 Nov 18, 1992
1992
Scrap Pac
Cotton, Wallace H Wire & Metal Separation Systems INC Worcester, MA
$4 Oct 26, 2020
2020 DEM
Hickenlooper, John W.
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$6 Jul 22, 2020
2020 DEM
Jones, Doug
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$4 Oct 26, 2020
2020 DEM
Bullock, Steve
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$4 Aug 27, 2020
2020 DEM
Ossoff, T. Jonathan
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$6 Jul 22, 2020
2020 DEM
Ossoff, T. Jonathan
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$6 Jul 22, 2020
2020 DEM
Jones, Doug
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$6 Jul 22, 2020
2020 DEM
Cunningham, Cal
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$6 Nov 1, 2022
2022 DEM
Warnock, Raphael
Cotton, Wallace Designer @ The Points Guy New York, NY
$6 Jul 22, 2020
2020 DEM
Hickenlooper, John W.
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$4 Aug 27, 2020
2020 DEM
Jones, Doug
Cotton, Wallace Content Strategist @ The Points Guy Brooklyn, NY
$25 Aug 13, 2010
Safari Club International Pac (sci Pac)
Contributor Production Manager @ Micro M Electronics, INC St Petersburg, FL
$300 Feb 25, 2010
Unknown Committee
Cotton, Wallace Production Manager @ Micro M Electronics, INC Saint Petersburg, FL

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 19 political contribution records found for Wallace Cotton. Total disclosed contributions amount to $938. Recipients include Safari Club International Pac (sci Pac). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Wallace C Cotton

Age 84 Male
·
604 N Grand Ave, Mc Rae, AR 72102 (White County)
35.1200, -91.8248
Marital: Single TZ: Central
Edu: Some College
Homeowner Single Family
MP

Wallace M Cotton

Age 23 Male
·
61 Willard Ct, Oberlin, OH 44074 (Lorain County)
41.2934, -82.2163
TZ: Eastern
Single Family
MP

Wallace K Cotton

Age 64 Male
·
10501 Hoyt Dr, Saint Louis, MO 63137 (Saint Louis County)
38.7624, -90.2287
· (314) 504-0312
Marital: Married TZ: Central
Homeowner Single Family Built 1953 Purchased 2007
MP

Wallace L Cotton

Age 85 Male
·
PO Box 24, Rembert, SC 29128 (Sumter County)
34.0875, -80.5262
TZ: Eastern
Homeowner Single Family
MP

Wallace Cotton

Male
·
1936 Russell Ave, E Saint Louis, IL 62207 (Saint Clair County)
38.6019, -90.1540
TZ: Central
Homeowner Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with Wallace Cotton. 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 Wallace Cotton. These loans were issued to businesses, not individuals.

Graceworks INC

Subchapter S Corporation

$111,897 Paid in Full
Address:
470 West End Avenue #8-D
New York, NY10024
Approved

May 1, 2020

Forgiven

$113,073

Jobs Reported

8

Loan #

8524737303

Loan Size

Small

Candace Martin

Sole Proprietorship

$7,575 Paid in Full
Address:
470 West End Avenue Apt 1AA
New York, NY10024
Approved

May 7, 2020

Forgiven

$7,650

Jobs Reported

1

Loan #

3749857400

Loan Size

Small

Nariquita Smith

Self-Employed Individuals

$6,666 Paid in Full
Address:
251 Eisenhower Dr
Biloxi, MS39531-3602
Approved

Apr 28, 2021

Forgiven

$6,709

Jobs Reported

1

Loan #

4280558908

Loan Size

Small

Nariquita Smith

Self-Employed Individuals

$6,666 Paid in Full
Address:
251 Eisenhower Dr
Biloxi, MS39531-3618
Approved

Apr 3, 2021

Forgiven

$6,689

Jobs Reported

1

Loan #

6252608705

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Wallace Cotton. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Wallace Cotton on the map

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Found 45 results across 14 states

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Wallace Cotton in CA: Background Summary

Location
Po Box 1600 Rancho Cucamonga, CA 91729-1600
Other Locations
St Petersburg, FL · Texas City, TX · Atlanta, GA and 9 more
Profiles Found
18 people with this name
Phone Numbers
(404) 768-6602 and 14 others on file
Email
mawach@aol.com and 3 others on file
Possible Relatives
Ayana J Dereef, Cherelle L Cotton, Marie S Cotton, Wallace Cotton JR, Marvin L Dereef and 69 more
Career
Community Manager, President at High Sierra Books, Grannus Investments Lnc
Properties
1property owned
Vehicles
6 linked — 2004 Dodge Ram 1500, 2011 Chevrolet Impala and 4 more
Contributions
$937.51 total — Safari Club International Pac (sci Pac)
PPP Loans
$133K for Graceworks INC, Candace Martin
White House
1 recorded visit

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 Wallace Cotton. Because public records are indexed by name rather than by a unique identifier, the 81 results displayed here may include information belonging to multiple individuals who share the same name — 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 — 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 — some restrict access or redact certain fields such as date of birth or residential address — 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 — 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 Wallace Cotton

Search Complexity: High

81 public records across 14states, belonging to approximately 18 different individuals. With 18 distinct profiles across 14 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 14 states. Highest concentration: Florida (12%), followed by Massachusetts and Louisiana. Spans the South and Northeast regions.

FL10recordsMA6recordsLA6recordsGA4recordsNY3recordsTX3records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (36%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (19) and Business & Corporate Filings (8).

27
Contact & Address Records
19
Political Contribution Records
8
Business & Corporate Filings
6
Vehicle Registration Records
4
Voter Registration Records
4
PPP Loan Records

Age Distribution

Age range: approximately 61 years, suggesting multiple generations. Largest group: Senior (65+) (89%).

Senior (65+)8peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Wallace Cotton

Is Wallace Cotton a registered voter?
Yes, voter registration records show Wallace Cotton is registered. We found 4 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Wallace Cotton own property?
County assessor records show 2 properties associated with Wallace Cotton . 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 Wallace Cotton?
Records show 6 vehicle registrations associated with Wallace Cotton, including a 2004 DODGE RAM 1500. Registered makes include Dodge, Chevrolet, Toyota, Hyundai. 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 Wallace Cotton?
We found 8 business affiliations for Wallace Cotton (Community Manager). Other companies include grannus investments lnc, Networking Newspaper For Women. Business records are compiled from state registries, SEC filings, and professional databases.
Has Wallace Cotton made political donations?
FEC disclosure records show 19 reported political contributions from Wallace Cotton, totaling $938. Recipients include Safari Club International Pac (sci Pac). Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Wallace Cotton?
Our database contains 81 total records for Wallace Cotton spanning 14 states. This includes 18 distinct contact records, 11 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 Wallace Cotton?
The 81 records displayed for Wallace Cotton 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 Wallace Cotton 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.