Fair Credit Reporting Act (FCRA) Compliance Notice

Last Updated: December 7, 2025

Important Notice: We Are NOT a Consumer Reporting Agency

This platform and its services are NOT a consumer reporting agency as defined by the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. We do not provide "consumer reports" as defined under the FCRA.

The information available through this service is aggregated from publicly available sources and is provided for informational and educational purposes only. It is not intended for, and may not be used for, any purpose covered by the FCRA.

Prohibited Uses Under FCRA

You MAY NOT use the information provided by this service for any of the following purposes:

  • Employment Purposes: Making decisions about hiring, promoting, reassigning, or retaining employees.
  • Credit Decisions: Determining creditworthiness, eligibility for credit, or terms of credit.
  • Insurance Underwriting: Evaluating eligibility for insurance or determining insurance premiums.
  • Housing/Tenant Screening: Deciding whether to rent or lease housing to a consumer, or determining rental terms.
  • Government Benefits: Assessing eligibility for government licenses or benefits.
  • Consumer Transactions: Any decision that would otherwise require a consumer report under the FCRA.

⚠️ Legal Consequences: Using our service for any FCRA-regulated purpose is a violation of federal law and may subject you to civil and criminal penalties. It also violates our Terms of Service and may result in immediate termination of your access.

Permitted Uses of This Service

You MAY use the information provided by this service for:

  • Personal Safety Awareness: Assessing whether to respond to or return an unknown call, text, or communication.
  • General Research: Gathering publicly available context about contacts for non-FCRA purposes.
  • Reconnecting with Contacts: Finding information to reconnect with old friends, classmates, or family members.
  • Verifying Your Own Information: Checking what publicly available information exists about yourself for privacy protection purposes.
  • Personal Due Diligence: Informal background knowledge before meeting someone socially (not for employment, housing, or other regulated decisions).
  • Educational and Awareness: Learning about scam patterns, fraud risks, and consumer protection strategies.

What the FCRA Is and Why It Matters

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer credit information is collected, shared, and used. It establishes strict requirements for "consumer reporting agencies" (CRAs) and anyone who uses consumer reports.

Under the FCRA, consumer reports may only be used for specific "permissible purposes," such as:

  • Credit transactions
  • Employment decisions
  • Insurance underwriting
  • Housing decisions
  • Government licensing or benefits

Because we are not a consumer reporting agency and do not provide consumer reports, the information available through our service may not be used for these purposes.

Accuracy and Limitations

The information provided through this service is aggregated from publicly available sources and may be:

  • Incomplete: Not all public records are included; some information may be missing.
  • Outdated: Public records take time to update; information may not reflect recent changes.
  • Inaccurate: Errors may exist in source data or aggregation processes.
  • Misattributed: Common names may lead to incorrect associations.

You must independently verify all information before making any decisions based on it. We disclaim all warranties regarding accuracy, completeness, or timeliness.

Your Rights and Responsibilities

Your Responsibilities as a User:

  • Use information only for permitted, non-FCRA purposes
  • Do not use information to discriminate against any individual
  • Verify information independently before relying on it
  • Comply with all applicable laws, including privacy and anti-discrimination laws
  • Respect the privacy and dignity of individuals you research

If You Are Researched:

If you believe inaccurate information about you appears in publicly available sources aggregated by this service:

  • Contact the original source: We aggregate data from public sources; corrections must be made at the source (courts, government agencies, etc.).
  • Opt-out options: Visit our Privacy Policy to learn about available opt-out mechanisms for certain data types.
  • Dispute process: Contact us at privacy@scamdetector.io to report inaccuracies, though we cannot guarantee removal or correction of information from public sources.

No Government Affiliation

We are an independent, private service with no affiliation with, endorsement by, or connection to any government agency, law enforcement organization, or official record repository, including but not limited to:

  • Federal Bureau of Investigation (FBI)
  • State or local police departments
  • Courts or judiciary systems
  • Department of Motor Vehicles (DMV)
  • Social Security Administration (SSA)
  • Internal Revenue Service (IRS)
  • Any other government entity

Any resemblance to official government services is coincidental. We are a private commercial service.

Data Sources and Methodology

Information provided through this service is aggregated from various publicly available sources, which may include:

  • Public records (court records, property records, business registrations)
  • Publicly accessible databases
  • User-contributed reports and reviews
  • Publicly available online information
  • Third-party data providers who aggregate public information

We do not access private databases, non-public records, or confidential information. All information is sourced from publicly accessible channels.

Certification and Acknowledgment

By using this service, you certify and acknowledge that:

  1. You have read and understood this FCRA Compliance Notice.
  2. You will not use information provided by this service for any FCRA-regulated purpose.
  3. You understand that this service is not a consumer reporting agency.
  4. You acknowledge that information may be inaccurate, incomplete, or outdated.
  5. You will verify information independently before relying on it.
  6. You agree to comply with all applicable laws, including the FCRA, privacy laws, and anti-discrimination laws.
  7. You understand that violations may result in legal liability and termination of service access.

Contact Information

If you have questions about this FCRA Compliance Notice or our service's permitted uses:

Email: compliance@scamdetector.io
Privacy Inquiries: privacy@scamdetector.io

For more information about your rights under the FCRA, visit the Federal Trade Commission at www.ftc.gov or the Consumer Financial Protection Bureau at www.consumerfinance.gov.

Related Legal Information

FINAL NOTICE: This FCRA Compliance Notice is incorporated into and forms part of our Terms of Service. Violation of this notice constitutes a material breach of the Terms of Service and may result in immediate termination of your access, legal action, and reporting to appropriate authorities.