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Reporting company used your report improperly. XX/XX/year> Best buy/CBNA In accordance with the fair credit reporting act XXXX account XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose.