FCRA Notice

Understanding the Fair Credit Reporting Act

Effective Date – July 16, 2026

1. What the FCRA Is

The Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (“FCRA”), regulates how “consumer reports” may be assembled and used for certain decisions, including employment, credit, insurance, tenant screening, and other eligibility determinations. It places strict obligations on consumer reporting agencies and on anyone who uses consumer reports for those purposes.

For official information, review the Federal Trade Commission’s page on the Fair Credit Reporting Act.

2. ReverseThatLookup Is Not a Consumer Reporting Agency

ReverseThatLookup was built for informational and personal-use public-record research. Our tools may help you review unknown phone numbers, emails, usernames, addresses, names, or other public clues — but the results are not intended, and may not be used, to determine any person’s eligibility for employment, housing, credit, insurance, education, benefits, licensing, or any similar purpose.

3. Prohibited Uses

You may not use ReverseThatLookup, or any information obtained from it, in whole or in part, for any of the following:

Employment Screening

Evaluating a person for employment, hiring, reassignment, promotion, retention, or workplace eligibility.

Household Worker Screening

Screening household workers, including nannies, babysitters, caregivers, domestic workers, contractors, or similar roles.

Tenant Screening

Evaluating a person for renting, leasing, or occupying residential or commercial property.

Educational Qualification

Evaluating a person’s qualifications for an educational program, scholarship, fellowship, grant, or similar opportunity.

Credit or Insurance

Assessing credit risk, determining credit or loan eligibility, evaluating insurance eligibility, or reviewing existing credit obligations.

Government Licenses or Benefits

Evaluating a person’s eligibility for a license or benefit granted by a government agency.

Business Transactions Initiated by an Individual Customer

Reviewing a personal customer account or determining whether a person continues to meet the terms of an account.

Any Other FCRA-Regulated Purpose

Any other purpose for which a consumer report may be used under the FCRA or any similar state statute — including, without limitation, check-cashing or the opening of a deposit or transaction account.

You also may not use any information obtained through ReverseThatLookup to take any “adverse action” against a person, as that term is defined in the FCRA. If you are unsure whether your intended use is regulated, consult an attorney before proceeding.

4. Violations

Using ReverseThatLookup for prohibited FCRA purposes violates our Terms of Service and may violate federal and state law, exposing you to civil and criminal liability. We take misuse seriously and reserve the right to restrict access, terminate accounts, block usage, and report misuse to the appropriate authorities where appropriate.

5. If You Need a Consumer Report

If you need a consumer report for a legally permissible purpose, use a qualified consumer reporting agency. ReverseThatLookup has no affiliation with the following services and provides these names only as examples of consumer reporting and screening providers:

Credit reporting: TransUnion, Equifax, and Experian.

Employment screening: Examples include Sterling, Integrascan, and SentryLink.

Your own credit file: Under the FCRA, you are entitled to a free copy of your credit report from each of the three national credit bureaus once per year through AnnualCreditReport.com, the only source authorized by federal law. You do not need to purchase anything from anyone to dispute inaccurate information in your credit file.

6. Contact Us

If you have questions about this FCRA notice or permitted use of ReverseThatLookup, contact us at support@reversethatlookup.com or through our Contact Us page.