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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 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 with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an extension of credit account under an open and consumer credit plan as late for any purpose.