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Permissable Purpose

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<blockquote>Originally posted by CSIBill

If a creditor sells your account, is the creditor still allowed to receive your credit file ? It seems to me that I would have multiple FCRA violations, Any thoughts/comments?


the account has to be OPEN and EXISTING in order for them to pull your file. Check out the FTC opinion letters, specifically the Gowan letter, which supports this. My opinion is that if they've sold the account, they no longer have permissible purpose and it's an FCRA violation.

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