Two sisters, the members of an LLC, applied for a loan, so are expected to guaranty. The first sister is a housewife, and relies on her husband's income. The lender pulls credit on her and her husband. He has a PFS signed by both which includes a statement that they are providing it for the purpose of guaranteeing credit and authorizing a credit report. Ultimately he did not require the husband to guaranty.
It seems he did not have a permissible purpose for the husband's credit report since he didn't require him to guaranty. On the other hand, he does have written authorization. Is this an FCRA violation?