The longstanding problem of providing efficient and rapid online user services while maintaining user privacy is addressed. Disclosed is a system and method for providing unverified users an ability to act upon private records known to them while protecting user privacy by not reflecting private information back to the unverified user. As an unverified user inputs information related to their identity into an interface, the system searches an indexed database which may include both registered users and/or unregistered customers indexed from a single data source or from disparate data sources.