45 Fraud prevention services, namely, providing fraud detection services for credit and non-credit identity records; identity and financial protection services, namely, providing authentication of personal identification information; fraud detection in the field of personal and financial identity; background screening services; monitoring of credit reports, public records, credit and non-credit identity records, court and criminal records, sex offender reports, change of address, non-credit loans and the Internet for identity theft prevention for individuals; providing consumer monitoring services of credit reports, credit and non-credit identity records, court and criminal records, public records, sex offender reports, change of address, non-credit loans and the Internet for identity theft and fraud prevention; providing identity recovery, resolution and restoration services caused by identity theft or fraud, namely, providing consultation in the field of identity theft