Expiration of SOL means that their ability to secure a court judgment has expired, not that the debt has been discharged.
They can still pursue its collection. New NYS regs that go into effect theis year, however, requre that they provide notice if the SOL has expired, advising you as such in communications attempting to contnue to collection on a debt that is outsider of SOL..
Consumer authoriization is not required if the inquiriy has permissible purpose.
The entire purpose of FCRA 604 is to define situations where express consumer permissibion is not required. Otherwise, business and credit approval processes would screech to a crawl.
A permissible purpose that is provided under section 604 iis for a debt collector who is authorized to collect on a debt.
If the debt collector has permissible purpose, they do not need consumer authorization.
