Okay, so I'm reviewing and found some supporting statements I can quote, but I can see them being picked apart. Most notably, the one from the act itself that states:
"A. Marketing purposes. This section does not allow a CRA to provide a creditor with consumer reports to "review" accounts in order to market its other products or services.122 See also comments 603(m)-1 and 604(a)(3)(F)-6. "
That seems helpful at first, but the CRA is providing the report for a permissible purpose, not for the purpose of reviewing the account, so I don't think it will be solid enough to convince anyone.
I have this from the interpretation "This means that even if a creditor has a permissible “review” purpose to obtain a consumer report, it may not exploit the report to market other products or services to the consumer." which is exactly what I need though.
Next, to the contract to find something else supportive. Assuming it can be found without having to request a copy from Equifax...sigh.
Someone's about to get horned!