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Reporting company used your report improperly. I am writing to formally dispute several items listed on my credit report and to bring to your attention multiple violations of my privacy and confidentiality rights as defined by the Fair Credit Reporting Act ( FCRA ) and relevant federal laws. 1. Unauthorized Access to My Credit Report Violation of 15 USC 1681b ( 2 ) Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c