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Reporting company used your report improperly. In accordance with the fair credit reporting Act, This creditor has violated my rights under 15 USCS 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section XXXX it also states a consumer reporting agency can not furnish an account my without written instructions Under 15 USCS 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose