Legal Disclaimer & FCRA Notice
General Public Notice & Fair Credit Reporting Act Compliance
NOT A CONSUMER REPORTING AGENCY
USA People Search is not a Consumer Reporting Agency (“CRA”) as defined by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). USA People Search does not compile or sell consumer reports.
1. Third-Party Search Operation
USA People Search does not own, administer, or operate an internal public records database. All search functionality displayed on this website redirects to third-party partner search services (principally Spokeo). We do not verify, audit, or guarantee the accuracy of data returned by third-party search platforms.
2. Accuracy Limitations & Independent Verification
Public records are compiled from thousands of municipal, state, and county repositories across the United States. While our partners strive for high data fidelity, records may contain inaccuracies, historical gaps, misspellings, or outdated address listings. Any information retrieved through third-party services should be independently verified before taking any action.
3. FCRA Prohibited Uses
You agree that you will not use any information obtained through our referral partners to make determinations regarding:
- Employment eligibility, hiring, promotion, or reassignment.
- Consumer credit, personal financing, or commercial loans.
- Residential tenant housing, lease approval, or rental terms.
- Personal or commercial insurance underwriting.
- Professional licensing, certification, or educational admissions.
4. Limitation of Liability
In no event shall USA People Search, its owners, affiliates, or licensors be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use this directory or any third-party search service.
Legal Disclaimer Frequently Asked Questions
Essential questions regarding FCRA restrictions, third-party liability, and permissible use.
What is the Fair Credit Reporting Act (FCRA)?
The Fair Credit Reporting Act (15 U.S.C. § 1681) is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in consumer reporting agency files, regulating how consumer data can be used for credit, employment, and housing.
Why is USA People Search not a Consumer Reporting Agency?
USA People Search does not compile, maintain, or evaluate consumer reports for the purpose of serving third parties. We function solely as an informational geographic directory that links users to commercial search engines.
Can I use reports from this site to evaluate job applicants or employees?
No. Using records obtained through our platform or third-party referral partners for employment hiring, retention, or evaluation is strictly prohibited by federal law.
Can landlords use information from this site for tenant screening?
No. Landlords and property management companies are legally barred from using data from our site or referral partners to evaluate prospective tenants, lease eligibility, or rental terms.
Can financial institutions use this site for credit or loan underwriting?
No. Information retrieved through our site cannot be used to determine eligibility for personal or commercial loans, lines of credit, or financial services.
Why might some public records contain outdated or inaccurate data?
Public records originate from thousands of independent municipal, county, and state agencies. Records may reflect clerical delays, spelling discrepancies, historical residences, or reassigned phone numbers.
Who is legally responsible for data retrieved from third-party partners?
All underlying search databases and report contents are compiled, administered, and delivered by our third-party partner, Spokeo, under their respective terms of service and legal standards.
What are the legal consequences of misusing public records data?
Violating the Fair Credit Reporting Act or state consumer privacy statutes can expose violators to civil liability, statutory damages, and regulatory enforcement action by the Federal Trade Commission (FTC).
Does USA People Search guarantee the completeness of search results?
No. We provide directory access on an 'as-is' and 'as-available' basis without warranties of completeness, merchantability, or fitness for any specific purpose.
How can individuals dispute inaccurate records found through search partners?
To dispute or correct an inaccurate record on our partner's platform, you should submit a dispute or suppression request directly to Spokeo's customer support at spokeo.com.
Transparency & Affiliate Disclosure
USA People Search does not own, manage, or operate an internal background check database. All searches initiated on this site are securely redirected to our third-party partner, Spokeo, which provides the underlying public records search services. We may receive referral fees when you choose to use partner services, which supports our ongoing directory research.