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Reporting company used your report improperly. In accordance with the fair Credit Reporting act XXXX Account, XXXX XXXX Bank account number starting with XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.