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Reporting company used your report improperly. In accordance with the fair credit reporting act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor maynot treat a payment on a credit card account under a open end consumer credit plan as late for any purpose