I read your link for the fcra.
In section 604 (3)a
It reads:
To a person which it has reason to believe ,
To use the information in connection with a credit transaction involving the comsumer on whom the information is to be furnished and involving the extension of credit to, or review, or collection of an account of the consumer
This appears to mean that any collection company can pull your credit report at anytime without you even knowing it. They dont need your permission
Am I reading this proper?