non checxsystem and telecheck banks

There are some good ones out there that do not report as secured.
The # for "R" is in my post, located in the database section of the board.
They only checked my wife's credit to make sure there were no judgements against her, and didn't count her previous defaults or debt against me.
I have a mortgage that was purchased by a new lender. I just noticed that this new lender performed two AR shortly before the loan transfer date. I presume that this is non-PP since I did not authorize this nor can the old lender give them permission. Am I wrong in this assumption?