Terrence Laughlin from New Paltz, NY

Age 63
๐Ÿ“ 37 Kleine Kill Dr, New Paltz, NY 12561
๐Ÿ“ž (845) 256-3871, (914) 255-7748, (914) 256-3871, (845) 256-3877, (845) 294-5212
โœ‰๏ธ totalswimm@aol.com
๐Ÿช Swim Source, Inc, Total Immersion Direct, Inc

Terrence Laughlin from Saint Regis Falls, NY

Age 77
๐Ÿ“ 55 Trim Rd, Saint Regis Falls, NY 12980
๐Ÿ“ž (518) 856-9926
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Maryann Mclaughlin,Terrence A Mclaughlin,Gale Susice Mclaughlin

Terrence Laughlin

๐Ÿ“ 2955 Avon Ln, Titusville Fl
๐Ÿ“ž (321) 666-0272
โœ‰๏ธ LAUGHTERRY@YAHOO.COM

Terrence Laughlin from Providence, RI

Age 71 b. Dec 1954 Providence Co.
๐Ÿ“ 50 Kennedy Plz
๐Ÿ‘ค aka Terrance Plaughlin

Terrence Laughlin from Boston, MA

Male
๐Ÿ“ 222 Marlborough St Apt 61
๐Ÿ“ž (617) 301-2609 (AT&T MOBILITY)

Terrence Mc Laughlin from Goodyear, AZ

๐Ÿ“ 3261 N Palmer Dr, Goodyear, AZ 85395
๐Ÿ“ž (623) 322-0570

Terrence Laughlin from Pittsburgh, PA

Allegheny Co.
๐Ÿ“ 1922 E Carson St
๐Ÿ“ž (412) 481-0537

Terrence Laughlin from Rochester, NY

Monroe Co.
๐Ÿ“ 2012 Ridge Rd 122

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 9 contact records for Terrence Laughlin across 6 states. The most recent address on file is in Providence, Rhode Island. Of these records, 7 include phone numbers and 3 include email addresses. Ages range from 63 to 77, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Laughlin Terrence

Brevard County
PIN: 21 3529-27-B-13
· 2955 Avon Ln, Mill Cd 1300
Built: 1964.0
Assessed: $79,560

Laughlin Terrence

Brevard County
· 2955 Avon Ln, Titusville 32796.0
Built: 1964.0
Assessed: $79,560

Terrence J Laughlin

2024 Ulster County
· 37 Kleinekill, New Paltz

Terrence J Laughlin

2021 Ulster County
· 37 Kleinekill, New Paltz

Terrence J Laughlin

2022 Ulster County
· 37 Kleinekill, New Paltz

Terrence J Laughlin

2023 Ulster County
· 37 Kleinekill, New Paltz

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 6 property records linked to Terrence Laughlin in Titusville. Values shown are from county assessor records and may differ from current market prices.

Terrence P Laughlin

Democrat Reg: 10/15/2005
1922 Carson St E St 2, Pittsburgh, PA, 15203
DOB: 12/14/1954 Gender: Unknown

Terrence J Laughlin

Democrat
37 Kleinekill Dr, 17, 12561
DOB: 19510325 Gender: Male

Terrence P Laughlin

Democrat
436 Miller Rd, 0, 12534
DOB: 19541214 Gender: Male

Terrence P Laughlin

1922 Carson St E St 2
DOB: 12/14/1954 Gender: Unknown

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Terrence Laughlin in Pennsylvania. Records show affiliations with D, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 Volkswagen Jetta
ยท Registered to: Terrence Laughlin
ยท VIN: 3VWTL7AJ1AM638189
·
37 Kleine Kill Dr, New Paltz, NY, 12561-2925
·
(914) 388-3929

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Terrence Laughlin. Registered makes include Volkswagen. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

The Urban Institute

Terrence Laughlin
Washington, DC

Terrence Laughlin

Vice Chairman, GWIM
Charlotte, NC

Terrence Laughlin

Trustee
Washington, DC

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 3 business affiliations were found for Terrence Laughlin. Roles listed include Vice Chairman, GWIM and Trustee. Records are compiled from state business registries, SEC filings, and professional networking databases.

Terrence P Mc Laughlin

Addr: 1550 169th St, Hammond, IN, 46324
IN

Unknown Corporation

Business Development Corporation/Cooperative Corporation/Federally Chartered Company/Foreign Corporation/Kentucky Corporation/Professional Services Corporation/Foreign Professional Services Corp./Kentucky Professional Services Corp/Kentucky Cooperative Corporation/Foreign Cooperative Corporation/Kentucky Mutual Insurance Co./Foreign Mutual Insurance Co.
Officer: Terrence P. Laughlin

Unknown Corporation

PRESIDENT: Terrence P Laughlin

Unknown Corporation

CHIEF RISK OFFICER: terrence P laughlin

Unknown Corporation

Addr: One Bryant Park, New York, NY
NY
MANAGER: Terrence Laughlin

McKinley Properties, INC.

Addr: 1550 169th St, Hammond, IN, 46324
IN
Agent: Terrence P Mc Laughlin

Unknown Corporation

ID: 1847995
Officer: Terrence Laughlin

Banc Of America Merchant Services, LLC

Addr: 1 Bryant Park, New York, NY, 10036
NY
Officer: Terrence Laughlin

Unknown Corporation

Officer: Terrence Laughlin

Unknown Corporation

ID: 60430
Principal: Terrence P Laughlin

Unknown Corporation

Officer: Terrence Laughlin

Source: Public Records Terrence Laughlin appears in 11 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Terrence P Laughlin

Dec 8, 2013, 04:30 PM
ยท Meeting with: White House Staff
ยท WH
Purpose: The Event is on the State Floor.

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Terrence Laughlin 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.

$2,700 Nov 9, 2015
REP
Toomey, Patrick Joseph
Contributor
$2,700 Nov 9, 2015
Unknown Committee
Laughlin, Terrence
$1,000
2004 D
Frankel, Dan B
Contributor Private Investor @ Self-Employed Boston, MA
$1,000 Jul 20, 2009
2010 I
Lappin, Jessica S
Laughlin, Terrence P Chief Executive Officer @ OneWest Bank Pittsburgh, PA
$100 Mar 31, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$100 Jun 25, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$1,000 Jun 30, 1999
2000 DEM
Gore, Albert Jr
Laughlin, Terrence P Boston, MA
$2,600 Jul 29, 2013
2014 DEM
Hagan, Kay R
Laughlin, Terrence P Chief Risk Officer @ Bank Of America Pasadena, CA
$500 Dec 31, 2001
2002 DEM
Obrien, Shannon P (g)
Laughlin, Terrence P Banking @ Fleet Bank Boston, MA
$4 Jun 28, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$250 Jun 1, 2004
2004 DEM
Kerry, John F
Laughlin, Terrence Swim Coach And Writer @ Total Immersion INC New Paltz, NY
$100 Sep 25, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$2,700 Dec 26, 2017
2018 DEM
Kerrigan, Stephen
Laughlin, Terrence P Financial Service Executive @ Bank Of America Hudson, NY
$250 Sep 30, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$25 Oct 23, 2016
2016 DEM
Hillary For America
Laughlin, Terrence Swim Coach @ Total Immersion Swimming New Paltz, NY
$100 Oct 25, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$1,000 Oct 29, 2007
2008 DEM
Kerry, John F
Laughlin, Terrence P Investor @ Fleet Financial Pittsburgh, PA
$500 Jan 1, 1
2010 DEM
Frankel, Dan B
Laughlin, Terrence P Financial Services Execut @ Bank Of America Pittsburgh, PA
$1,000 Aug 9, 2009
2010 I
Lappin, Jessica S
Laughlin, Terrence P Chief Executive Officer @ OneWest Bank Pittsburgh, PA
$2,700 May 17, 2018
2018 DEM
Lamb, Conor
Laughlin, Terrence Financial Services Executive @ Bank Of America Claverack, NY
$10 Mar 31, 2012
2012
Actblue
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$15 Jun 28, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$1,000 May 1, 2000
2000 DEM
Kyriacou, Lee
Laughlin, Terrence P Boston, MA
$2,500 May 1, 2012
2012 REP
Romney, Mitt / Ryan, Paul D.
Laughlin, Terrence P Banker @ Bank Of America Pittsburgh, PA
$25 Mar 3, 2016
2016 DEM
Sanders, Bernard
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$2,300 Oct 29, 2007
2008 REP
Giuliani, Rudolph W.
Laughlin, Terrence Senior Executive @ Merrill Lynch Info Requested
$25 Feb 3, 2016
2016 DEM
Sanders, Bernard
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$25 Jan 3, 2016
2016 DEM
Sanders, Bernard
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$1,000 Sep 24, 2001
2002 DEM
Reed, Jack
Laughlin, Terrence P Fleet Boston Financial Boston, MA
$100 May 25, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$1,000 May 1, 2000
2000
F O L K Friends Of Lee Kyriacou
Laughlin, Terrence P Boston, MA
$25 Oct 23, 2016
2016 DEM
Hillary For America
Laughlin, Terrence Swim Coach @ Total Immersion Swimming New Paltz, NY
$500 Jun 6, 2008
2008 DEM
Kerrigan, Stephen J
Laughlin, Terrence Pittsburgh, PA
$500 Oct 16, 2010
2010 DEM
Frankel, Dan B
Laughlin, Terrence P Financial Services Execut @ Bank Of America Pittsburgh, PA
$2,000 Feb 9, 2004
2004 DEM
Kerry, John F
Laughlin, Terrence P Executive @ Fleet Boston, MA
$100 Jul 25, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$100 Jul 25, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$250 Aug 30, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$100 May 19, 2015
2016 DEM
Sanders, Bernard
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$1,000 Mar 30, 2004
2004 DEM
Kerry, John F
Laughlin, Terrence Swim Coach And Writer @ Total Immersion INC New Paltz, NY
$2,500 May 1, 2012
2012 REP
Romney, Mitt
Laughlin, Terrence P Banker @ Bank Of America Pittsburgh, PA
$4 Jun 28, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$15 Jun 28, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$25 Mar 3, 2016
2016 DEM
Sanders, Bernard
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$10 May 19, 2015
2016 DEM
Actblue
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$1,500 Sep 16, 1998
1998
Fleet Financial Group INC Federal Political Action Committee
Laughlin, Terrence P Fleet Financial Group INC Boston, MA
$250 Oct 30, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$100 Sep 25, 2012
2012 DEM
Democratic Congressional Campaign Committee
Laughlin, Terrence Swim Coach @ Total Immersion Swimming INC New Paltz, NY
$100 Jun 25, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$250 Aug 30, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY
$2,700 Nov 9, 2015
2016 REP
Toomey, Patrick Joseph
Laughlin, Terrence
$1,000 Oct 11, 2004
2004 DEM
Frankel, Dan B
Laughlin, Terrence Private Investor @ Self-Employed Boston, MA
$100 Oct 25, 2012
2012
Actblue
Laughlin, Terrence Principal @ Total Immersion Swimming, INC New Paltz, NY

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Terrence Laughlin. Total disclosed contributions amount to $41,458. Recipients include Toomey, Patrick Joseph, Frankel, Dan B. Federal law requires disclosure of contributions above $200 to federal candidates.

Note: PPP loans shown are for businesses with addresses associated with Terrence Laughlin. These loans were issued to businesses, not individuals.

Zheng He Navigation Assets Management

Corporation

$23,332 Paid in Full
Address:
85 Viscount Dr Unit 1c
Milford, CT06460
Approved

Jun 25, 2020

Forgiven

$23,597

Jobs Reported

1

Loan #

4192678005

Loan Size

Small

Ct Seo Firm LLC

Single Member LLC

$20,833 Paid in Full
Address:
85 Viscount Dr Unit 9H Unit 9h
Milford, CT06460-5774
Approved

Mar 25, 2021

Forgiven

$20,908

Jobs Reported

1

Loan #

8908038605

Loan Size

Small

Total Immersion INC

Corporation

$50,965 Paid in Full
Address:
37 Kleine Kill Dr
New Paltz, NY12561-2925
Approved

Feb 1, 2021

Forgiven

$51,295

Jobs Reported

4

Loan #

1078678400

Loan Size

Small

Total Immersion, INC.

Corporation

$50,965 Paid in Full
Address:
37 Kleine Kill Dr
New Paltz, NY12561
Approved

May 1, 2020

Forgiven

$51,495

Jobs Reported

4

Loan #

1391037701

Loan Size

Small

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

Find Terrence Laughlin on the map

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Terrence Laughlin in FL: Background Summary

Location
2955 Avon Ln Titusville, FL 32796-1616
Other Locations
Providence, RI ยท Boston, MA ยท Goodyear, AZ and 2 more
Profiles Found
9 people with this name
Phone Numbers
(407) 610-7783 and 8 others on file
Email
successtoday@earthlink.net and 5 others on file
Possible Relatives
Amy Sue Commodario, Julius Richard Kropok 3RD, Kevin S Laughlin, Robin Lea Laughlin, Ruth L Laughlin and 48 more
Career
Vice Chairman, GWIM, Trustee
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
1 linked โ€” 2010 Volkswagen Jetta
Contributions
$41.5K total โ€” Toomey, Patrick Joseph, Frankel, Dan B
PPP Loans
$146K for Zheng He Navigation Assets Management, Ct Seo Firm LLC
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 Terrence Laughlin. Because public records are indexed by name rather than by a unique identifier, the 92 results displayed here may include information belonging to multiple individuals who share the same name โ€” a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value โ€” in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency โ€” these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Terrence Laughlin

Search Complexity: High

92 public records across 9states, belonging to approximately 9 different individuals. With 9 distinct profiles across 9 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 9 states. Highest concentration: New York (7%), followed by Indiana and District of Columbia. Spans the Northeast and South regions.

NY6recordsIN2recordsDC2recordsPA2recordsMA2recordsFL1record

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (58%), which include employer and occupation, which are strong distinguishing fields. Also includes Corporate Records (11) and Contact & Address Records (9).

53
Political Contribution Records
11
Corporate Records
9
Contact & Address Records
6
Property Ownership Records
4
Voter Registration Records
4
PPP Loan Records

Age Distribution

Age range: approximately 14 years. Largest group: Senior (65+) (67%).

Senior (65+)2peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Terrence Laughlin

Is Terrence Laughlin a registered voter?
Yes, voter registration records show Terrence Laughlin is registered in Pennsylvania with D affiliation. 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 Terrence Laughlin own property?
County assessor records show 6 properties associated with Terrence Laughlin . 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 Terrence Laughlin?
Records show 1 vehicle registration associated with Terrence Laughlin, including a 2010 Volkswagen Jetta. 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 Terrence Laughlin?
We found 3 business affiliations for Terrence Laughlin. Business records are compiled from state registries, SEC filings, and professional databases.
Has Terrence Laughlin made political donations?
FEC disclosure records show 53 reported political contributions from Terrence Laughlin, totaling $41,458. Recipients include Toomey, Patrick Joseph and Frankel, Dan B. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Terrence Laughlin?
Our database contains 92 total records for Terrence Laughlin spanning 9 states. This includes 9 distinct contact records, 7 with phone numbers, 3 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Terrence Laughlin?
The 92 records displayed for Terrence Laughlin 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 Terrence Laughlin 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.