Crossroads Investigations

Frequently Asked Questions

General

Worldwide.  Whether you need to check out a possible investor in China, have someone followed in California, or have a background check on someone in Montana, Crossroads can assist. We take advantage of our membership in several elite associations of highly skilled professionals to make sure every job is completed to strict Crossroads Investigations standards.

Crossroads Investigations is owned and operated by Marc Hurwitz, a former federal intelligence officer with experience in the Central Intelligence Agency (CIA), The White House National Security Council, and the U.S. Department of State.

The Crossroads analytical team is comprised exclusively for former CIA officers, and the Crossroads field team is comprised exclusively of for former FBI and law law enforcement officers.

Absolutely. Crossroads Investigations adheres to the strict stipulations set forth by the Florida Department of Agriculture and Consumer Affairs, Florida Statues Chapter 493. We maintain an “A” Agency License, an “MA” Agency Manager’s License, and a “C” Private Investigator License.
Furthermore, Crossroads Investigations is fully insured. This should be a critical factor when considering who to hire for your investigative needs.

Yes, our owner is a fully insured and bonded Notary Public.

No, but we are happy to refer you to an affordable and reliable process serving company that we work very closely with, who has never let our clients down.

Background Reports

An employment or tenant screening report is compliant with the Fair Credit Reporting Act (FCRA), which stipulates what can and cannot be used when making a decision. It also requires the subject’s written consent. It generally consists of a limited-scope criminal background check, address history, and Patriot Act searches (such as national wants and warrants, sex offender), with optional add-ons such as credit and driving history.
A Crossroads deep national background report does not require a subject’s consent, and has much, much more information than an FCRA-compliant report. The Crossroads report has expanded criminal, properties, vehicles, liens, bankruptcies, judgments, foreclosures, evictions, corporate affiliations and a lot more. it does not include credit as this requires the subject’s consent.

No problem. We can run our deep national background reports based on very little information. A name, an age range, any and current or previous city where the subject has lived, may be all that is needed.

Yes, Crossroads offers an online solution for clients who need to run reports on a regular basis. This system is compliant with the Fair Credit Reporting Act (FCRA). Once you have access, you can login and run reports whenever you’d like.

Assets

Yes. A person’s bank account information is obtained using a variety of techniques, all of which are legal under the Gramm-Leach-Bliley (GLB) Act and does not involve any pretext to the financial institution or the customer. A typical search usually involves combining several of these methods. These may include researching for payment methods in public records such as UCC filings, real estate records, vehicle ownership, boat ownership, land-lord records, sales tax permits, court records including divorce records, bankruptcy records, payments made to public entities such as county tax collectors or company filings, payments made to creditors such as utility companies or loan companies and information provided by clients.

Our agents works closely with the collection centers and payment processors of numerous companies to share data and payment methods of individuals. This helps us locate banking institutions of the subjects and helps the collection centers with possible upcoming issues with the subject. These methods will normally uncover bank accounts used by the subject to make payments and are all legal methods in obtaining copies of checks or banking information.

Our agents uses proprietary software with algorithms that use data from third party providers of electronic transactions to locate the originating transfer bank and funds available. These providers use key data in the transactions to track and verify funds availability. Account numbers are not used, just a key number for that transaction, however that key number describes the originating bank, account holder and the receiving bank and account holder. Additional details may be obtained from the financial institution if the case meets the standards under the GLB act section 6802 (e)(3)(D) (persons holding a legal interest relating to the consumer).

Asset searches cannot be used for FCRA-regulated purposes to determine the eligibility for credit, insurance, employment or any other purpose regulated under the FCRA. Asset information can only be used by persons holding a legal or beneficial interest relating to the consumer, or to protect against or prevent actual fraud, unauthorized transactions, claims, or other liability. 

Not at all – that is not legal. We only use our data to obtain provisional information and follow up with SWIFT confirmations from the bank. These networks have been around a long time passing this financial data to everyone and selling the data for commercial use.

No. If we do not find any accounts, there is no fee. After that, we have a sliding scale depending on how much we find – call us for rates.

Crossroads only runs bank searches for requests related to legal or business purposes, such as pre-litigation, post-judgment, divorce cases, probate, investments, mergers or acquisitions.

No. Our asset searches have a sliding fee schedule depending on how much we find. Payment is required prior to release of information.

Due Diligence

Yes, our research team is comprised exclusively for former CIA officers who are relentless in their information-searching capabilities. We regularly put together reports that examine every facet of a company or person, to include litigiousness, news reports, social media, blogs, financials, reputation, civil and criminal records, and a lot more. Generally, our executive summary is aa few dozen pages, supported by hundreds of pages of agendas.

Yes – Crossroads Investigations is a boutique firm – our analytical team is comprised exclusively of former CIA officers who have similar experience and training as the analysts working for any large “beltway bandit”. We have access to amazing sources of information and a part of a worldwide network of agents who can help us find hard-to-find information. We offer personalized service and an exceptional work product for a fraction of what a large consulting firm would charge.
Locates/Skip-Tracing

No. We ask that you send us all the information you already have, and if we can’t add new information to that body of knowledge, we will waive our locate report fee.

No, this is not legal. However, we do have available several other unique (and legal) tools to help us locate hard-to-find subjects.

Surveillance

Yes, we can place the subject under surveillance. However, we advise to check with your attorney first to make sure that this is an actually good use of your money. Further, surveillance works best when there is an actual suspected time and place of expected malfeasance. Otherwise, you are paying an hourly rate when nothing is happening.

Fulfilling last-minute requests is dependent on our current case-load.

Technical

No, that is not legal.

No, but we are happy to refer you to a company that has excellent expertise in this area.