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Reporting company used your report improperly. Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 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. 15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.