We have several issues to unravel.
First, the Fair Credit Reporting Act does not allow you to order a credit report unless you have a permissible purpose. The law provides several different permissible purposes. Obtaining consent from the consumer is one permissible purpose. If the consumer applies for credit, that is a permissible purpose. So, if the consumer applies for credit you have a permissible purpose, even without consumer consent.
For purposes of TRID, once the consumer has submitted the six pieces of information you must deliver the loan estimate in a timely fashion. Submission of the social security number is sufficient; consent is not required.