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Willie Hardwick

Age 76 b. 1949-11-09
📍 3526 Cottonwood Ln, Chattanooga Tn
📞 (423) 653-4722, (423) 624-4668
✉️ WILLIE.MELINDA@GMAIL.COM

Willie Hardwick

Age 83 b. 1943-02-13
📍 611 16th St Apt C, Richmond Ca
📞 (111) 111-1111
✉️ NONE@GMAIL.COM

Willie Hardwick from Huntsville, AL

Age 87
📍 8015 Allison Dr, Huntsville, AL 35802
📞 (256) 882-0742
👨‍👩‍👧 Relatives: Robert E Hardwick,George L Hardwick,Suzetta B Hardwick,Jean Hardwick,Jeffrey L Hardwick

Willie Hardwick from Pflugerville, TX

Age 84
📍 18613 White Water Cv, Pflugerville, TX 78660
📞 (512) 926-7154
👨‍👩‍👧 Relatives: Robert Charles Hardwick,Robert Powell,Bobby Powell,Michael Roy Powell,Mccristol Hardwick,Teri Powell,Debra Jewel Powell,Antwuan Eugene Powell,R E Hardwick

Willie Hardwick from Chattanooga, TN

Age 64
📍 3526 Cottonwood Ln, Chattanooga, TN 37406
📞 (423) 624-4668, (931) 446-3623, (423) 506-2895, (423) 624-4668
👨‍👩‍👧 Relatives: Melinda L Hardwith,Darrick D Hardwick,Tanya L Hardwick,Marquisa D Hardwick

Willie Hardwick from Detroit, MI

Age 58 b. 1968 Wayne Co.
📍 14625 Greenlawn St
📞 (313) 933-4152

Willie Hardwick from Chattanooga, TN

Age 77 b. 1949 Hamilton Co.
📍 3526 Cottonwood Ln
📞 (423) 624-4668

Willie Hardwick from Forkland, AL

Age 53
📍 905 Shep Cook Ave, Forkland, AL 36740
📞 (334) 289-0342, (334) 289-0342, (334) 289-4047
👨‍👩‍👧 Relatives: Vince Darrell Hardwick,Verneshia R Hardwick

Willie Hardwick from Lancaster, KY

Age 80
📍 203 Davis Ave, Lancaster, KY 40444
📞 (859) 792-6256, (859) 299-0282, (859) 380-8253, (859) 792-6256
👨‍👩‍👧 Relatives: Sarah J Hardwick,Jane Hardwick

Willie Hardwick from Brent, AL

Age 61 b. Sep 1964 Bibb Co.
📍 11 White St
📞 (813) 855-3018
👤 aka Wille E Blackmon

Willie Hardwick from Forkland, AL

Age 74 b. Jun 1952 Greene Co.
📍 905 Shep Cook Ave
📞 (334) 289-0342

Willie Hardwick from Bay City, MI

Age 82 b. Jul 1943 Bay Co.
📍 208 18th St
📞 (618) 235-2787

Willie Hardwick from St Petersburg, FL

Age 83 b. Mar 1943 Pinellas Co.
📍 3600 S Avenue 29
📞 (727) 867-7242

Willie Hardwick from Chicago, IL

Age 96 b. Dec 1929 Cook Co.
📍 3749 S King Dr Unit 184
📞 (817) 552-7288

Willie Hardwick from Midland, GA

Age 90 b. Nov 1935 Muscogee Co.
📍 8060 Chapel Lake Dr
📞 (706) 561-9954

Willie Hardwick from Conway, SC

Age 86 b. Dec 1939 Horry Co.
📍 2502 Aaron St
📞 (803) 248-5582

Willie Hardwick from Columbus, GA

Age 90 b. Nov 1935 Muscogee Co.
📍 5607 Old Dominion Rd
📞 (706) 569-7222

Willie Hardwick from Doraville, GA

Age 96 b. Jan 1930 Dekalb Co.
📍 4161 English Oak Dr
📞 (216) 662-2747
👤 aka Willie C Hardwick

Willie Hardwick from Birmingham, AL

Age 90
📍 1116 3rd St, Birmingham, AL 35214
📞 (205) 798-6796

Willie Hardwick from Tuscaloosa, AL

0
📍 319 52nd St, Tuscaloosa, AL 35405
👨‍👩‍👧 Relatives: Ira J Hardwick

Willie Hardwick from Burbank, CA

Male
📍 108 E Providencia Ave # 15
📞 (818) 667-2718 (AT&T MOBILITY)

Willie Hardwick from Forkland, AL

Age 65 b. 1961 Female
📍 907 Shep Cook Ave
📞 (334) 289-0342

Willie Hardwick from Oakland, CA

Age 86 b. Feb 1940 Alameda Co.
📍 2118 Linden St

Willie Hardwick from Cleveland, OH

Age 59 b. Sep 1966 Cuyahoga Co.
📍 12808 Locke Ave

Willie Hardwick from Atlanta, GA

Age 75 b. Oct 1950 Fulton Co.
📍 1840 Sullivan Rd T 6

Willie Hardwick from Lexington, KY

Age 92 b. Apr 1934 Fayette Co.
📍 1724 Versailles Rd B 213

Willie Hardwick from Orange, CA

Age 100 b. Sep 1925 Orange Co.
📍 Po Box 689

Willie Hardwick from El Cerrito, CA

Age 66 b. Aug 1959 Contra Costa Co.
📍 3222 Yosemite Ave

Willie Hardwick from Detroit, MI

Age 50 b. Dec 1975 Wayne Co.
📍 6016 Iroquois

Willie Hardwick from Hamtramck, MI

Age 107 b. Jun 1919 Wayne Co.
📍 12827 Dwyer St

Willie Hardwick from Camilla, GA

Age 82 b. Sep 1943 Mitchell Co.
📍 334 Palmer St 13

Willie Hardwick from Austin, TX

Age 95 b. Jul 1930 Travis Co.
📍 5323 Wellington Dr

Willie Hardwick from Saint Petersburg, FL

Age 83 b. Mar 1943 Pinellas Co.
📍 3600 29th Ave S

Willie Hardwick from Moreno Valley, CA

Age 61 b. Sep 1964 Riverside Co.
📍 29097 Stevens Ave

Willie Hardwick from Stone Mountain, GA

Age 57 b. Sep 1968 Dekalb Co.
📍 5339 Ridge Forest Dr

Willie Hardwick from Essexville, MI

Age 82 b. Jul 1943
📍 1907 Ames St
👤 aka Willie Vera Hardwick

Willie Hardwick from Americus, GA

Age 75 b. Oct 1950
📍 118 Mclittle Bridge Rd

Willie Hardwick from North Las Vegas, NV

Age 86 b. Nov 1939 Clark Co.
📍 1117 Stone River Dr

Willie Hardwick from Hartford, CT

Age 83 b. Sep 1942 Hartford Co.
📍 266 Maple Ave Apt B 3

Willie Hardwick from Birmingham, AL

0
📍 1311 90th St, Birmingham, AL 35206

Willie Hardwick from Portersville, MS

0
📍 141 Rr 1 Pob, Portersville, MS 39352

Willie Hardwick from Conway, SC

Horry Co.
📍 1007 Moore Ln
📞 (843) 248-3096

Willie Hardwick from Knoxville, TN

Knox Co.
📍 849 Murry Dr

Willie Hardwick from N Las Vegas, NV

Clark Co.
📍 321 E Tonopah Ave Apt 103

Willie Hardwick from Birmingham, AL

Jefferson Co.
📍 1116 3rd St

Willie Hardwick from Clarksdale, MS

Coahoma Co.
📍 2401 6th St

Willie Hardwick from Lumpkin, GA

Stewart Co.
📍 722 Jr Dr M

Willie Hardwick from Dallas, TX

Dallas Co.
📍 6858 Shady Brook Ln

Willie Hardwick from South Bend, IN

St Joseph Co.
📍 607 W Calvert St

Willie Hardwick from Forkland, AL

Greene Co.
📍 Rr 1 Po Box 376

Willie Hardwick from Camden, NJ

📍 2018 Miller St

Willie Hardwick from Detroit, MI

📍 Detroit, MI, 48213

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 52 contact records for Willie Hardwick across 16 states. The most recent address on file is in Detroit, Michigan. Of these records, 22 include phone numbers and 2 include email addresses. Ages range from 53 to 90, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Hardwick, Willie C

Pinellas County
PIN: 16 31 34 68490 003 0160
· 3600 29th Ave S, St Petersburg 33711
Value: $75,184

Hardwick Willie Marie & Others

Greene County
· 907 Shep Cook Rd, Forkland-Tishabee

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

Willie Hardwick

Lumpkin, 318153436
DOB: 1/1/1955 Gender: Male
Congress: 002

Willie Hardwick

Midland, 318203526
DOB: 1/1/1935 Gender: Male
Congress: 002

Willie Hardwick

Americus, 31719
DOB: 1/1/1950 Gender: Male
Congress: 002

Willie Charles Hardwick

Reg: 20101005
256 Oak St, Monticello, 310644226
Gender: Male

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

2004 GMC Envoy
· Registered to: Willie Hardwick
· VIN: 1GKDS13SX42134351
·
16655 Anthony St, Maple Heights, OH, 44137
·
(216) 662-2747
2011 Ford F-150
· Registered to: Willie Hardwick
· VIN: 1FTFW1CT0BFC43599
·
3526 Cottonwood Ln, Chattanooga, TN, 37406-2704
·
(423) 624-4668

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Willie Hardwick. Registered makes include Gmc, Ford. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Firestone Credit Union

Willie HardwickManager
jwill32@bellsouth.net
4265 Sun Valley Blvd., East Point, GA30344
firestonecu.com

Firestone Credit Union

Willie HardwickManager
jwill32@bellsouth.net
4265 Sun Valley Blvd., East Point, GA30344

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 4 business affiliations were found for Willie Hardwick. Companies include Firestone Credit Union. Roles listed include Manager and President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Hardwick Enterprises, INC.

Filed: Apr 10, 1995
CEO: Willie Hardwick

Willie Hardwick

Addr: 1416 S Lindwood Ave, Evansville, IN, 47713
IN

Johnston Fire Services LLC

Addr: 1416 S Lindwood Ave, Evansville, IN, 47713
IN
Agent: Willie Hardwick

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

$3 Jul 17, 2020
2020
Stop Republicans
Hardwick, Willie Not Employed Americus, GA
$3 Jul 17, 2020
Stop Republicans
Contributor Not Employed Americus, GA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 2 political contribution records found for Willie Hardwick. Total disclosed contributions amount to $6. Recipients include Stop Republicans. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Willie Hardwick

·
118 McLittle Bridge Rd, Americus, GA 31719 (Sumter County)
32.0060, -84.2470
· (404) 752-9485
TZ: Eastern
Homeowner Single Family Built 1973 Purchased 2015
MP

Willie B Hardwick

Age 81 Male
·
8060 Chapel Lake Dr, Midland, GA 31820 (Muscogee County)
32.5676, -84.8763
· (706) 561-9954
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 1987
MP

Willie Hardwick

Male
·
509 S 323rd Pl, Federal Way, WA 98003 (King County)
47.3119, -122.3270
TZ: Pacific
Multi-Family
MP

Willie E Hardwick

Age 52 Male
·
59 White St, Brent, AL 35034 (Bibb County)
32.9333, -87.1725
TZ: Central
Edu: High School
Multi-Family
MP

Willie Hardwick

Male
·
5925 Cooper St, Detroit, MI 48213 (Wayne County)
42.3889, -83.0042
TZ: Eastern
Single Family
MP

Willie C Hardwick

Age 74 Male
·
3600 29th Ave S, St Petersburg, FL 33711 (Pinellas County)
27.7419, -82.6824
· (727) 867-7242
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1957 Purchased 1986
MP

Willie Hardwick

Age 67 Male
·
3526 Cottonwood Ln, Chattanooga, TN 37406 (Hamilton County)
35.0522, -85.2338
· (423) 506-2895
Marital: Married TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Single Family Built 1970
MP

Willie M Hardwick

Age 56 Female
·
907 Shep Cook Ave, Forkland, AL 36740 (Greene County)
32.6409, -87.8649
· (334) 289-0342
TZ: Central
Edu: Some College
Homeowner Single Family Purchased 1984
MP

Willie M Hardwick

Age 61 Male
·
PO Box 722, Lumpkin, GA 31815 (Stewart County)
32.0501, -84.7975
Marital: Single TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1980
MP

Willie C Hardwick

Age 87 Male
·
16655 Anthony St, Maple Heights, OH 44137 (Cuyahoga County)
41.4229, -81.5618
· (216) 662-2747
Marital: Married TZ: Eastern
Homeowner Single Family Built 1957
MP

Willie Hardwick

·
2404 County Line Rd SW, Atlanta, GA 30331 (Fulton County)
33.6894, -84.5340
TZ: Eastern
Homeowner Single Family Built 1950
MP

Willie M Hardwick

Male
·
316 Springhill Dr, Montgomery, AL 36110 (Montgomery County)
32.4247, -86.2896
Marital: Inferred Single TZ: Central
Homeowner Single Family Built 1962

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 12 demographic profiles associated with Willie Hardwick. 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 Willie Hardwick. These loans were issued to businesses, not individuals.

Rayshawn Rodgers

Sole Proprietorship

$20,416 Paid in Full
Address:
12808 Locke Ave
Cleveland, OH44108-1741
Approved

Apr 28, 2021

Forgiven

$20,478

Jobs Reported

1

Loan #

3576168903

Loan Size

Small

Abiral Bhattarai

Sole Proprietorship

$14,000 Paid in Full
Address:
2222 Graycliff Dr
Dallas, TX75228-7246
Approved

Feb 10, 2021

Forgiven

$14,052

Jobs Reported

1

Loan #

6151048410

Loan Size

Small

Davalon Gray

Self-Employed Individuals

$4,435 Paid in Full
Address:
905 Shep Cook Ave
Forkland, AL36740-3248
Approved

Apr 30, 2021

Forgiven

$4,473

Jobs Reported

1

Loan #

5480618901

Loan Size

Small

Michalene Johnson

Sole Proprietorship

$20,833 Paid in Full
Address:
11303 Felson St
Cerritos, CA90703-5543
Approved

Mar 5, 2021

Forgiven

$20,911

Jobs Reported

1

Loan #

7196998509

Loan Size

Small

Charles Grenander

Sole Proprietorship

$20,833 Exemption 4
Address:
108 E Providencia Ave # 6
Burbank, CA91502-1921
Approved

May 18, 2021

Jobs Reported

1

Loan #

3549659005

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 5 PPP loan records are linked to businesses associated with Willie Hardwick. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Willie Hardwick

Scratch Tickets
$1,000
Prize Won
·Lubbock, TX (Lubbock County)
Claimed: 2015-11-24T00:00:00.000

Source: IMDb · Open Library · Sports Reference · FIDE Chess Federation Additional public records from specialized databases including entertainment industry credits (IMDb), published works (Open Library), sports statistics, and other publicly available reference sources.

Find Willie Hardwick on the map

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Found 76 results across 17 states

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Willie Hardwick in Chattanooga, TN: Background Summary

Location
3526 Cottonwood Ln, Chattanooga Tn, Chattanooga, TN
Other Locations
Detroit, MI · Brent, AL · Forkland, AL and 32 more
Profiles Found
52 people with this name
Phone Numbers
(423) 653-4722 and 17 others on file
Email
willie.melinda@gmail.com and 1 other on file
Possible Relatives
Robert E Hardwick, George L Hardwick, Suzetta B Hardwick, Jean Hardwick, Jeffrey L Hardwick and 18 more
Career
Manager, President at Firestone Credit Union
Properties
1property owned
Vehicles
2 linked — 2004 Gmc Envoy, 2011 Ford F-150
Contributions
$6 total — Stop Republicans
PPP Loans
$80,517 for Rayshawn Rodgers, Abiral Bhattarai

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 Willie Hardwick. 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 — 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 Willie Hardwick

Search Complexity: High

92 public records across 17states, belonging to approximately 52 different individuals. With 52 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 Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 17 states. Highest concentration: Georgia (16%), followed by Alabama and Michigan. Spans the South and Midwest regions.

GA15recordsAL13recordsMI8recordsTN7recordsCA7recordsTX4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (72%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (5) and Voter Registration Records (4).

57
Contact & Address Records
5
PPP Loan Records
4
Voter Registration Records
4
Business & Corporate Filings
3
Corporate Records
2
Property Ownership Records

Age Distribution

Age range: approximately 56 years, suggesting multiple generations. Largest group: Senior (65+) (73%).

Senior (65+)16peopleMiddle-Age (40-64)6people

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

Frequently Asked Questions About Willie Hardwick

Is Willie Hardwick a registered voter?
Yes, voter registration records show Willie Hardwick 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 Willie Hardwick own property?
County assessor records show 2 properties associated with Willie Hardwick . 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 Willie Hardwick?
Records show 2 vehicle registrations associated with Willie Hardwick, including a 2004 GMC Envoy. Registered makes include Gmc, 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 Willie Hardwick?
We found 4 business affiliations for Willie Hardwick (Manager). Business records are compiled from state registries, SEC filings, and professional databases.
Has Willie Hardwick made political donations?
FEC disclosure records show 2 reported political contributions from Willie Hardwick, totaling $6. Recipients include Stop Republicans. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Willie Hardwick?
Our database contains 92 total records for Willie Hardwick spanning 17 states. This includes 52 distinct contact records, 22 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 Willie Hardwick?
The 92 records displayed for Willie Hardwick 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 Willie Hardwick 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.