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hstone wrote:

For those interested.

 

§ 604. Permissible purposes of consumer reports

[15 U.S.C. § 1681b]

(a) In general. Subject to subsection (c), any consumer reporting agency may furnish a

consumer report under the following circumstances and no other:

...

(3) To a person which it has reason to believe

(A) intends to use the information in connection with a credit transaction

involving the consumer 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

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A recent case in Washington state (I think) determined that there is no "credit transaction" when a CA is reviewing or collecting on an account, and therefore the CA does not have PP.