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Reporting company used your report improperly. Company 1 : XXXX XXXX XXXX Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.