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Reporting company used your report improperly. in accordance with the fair credit reporting act XXXX XXXX and portfolio recovery 's 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 a account with out my written instructions. 15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.