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Reporting company used your report improperly. The following alleged collection account, XXXX Funding, is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$600.00}. This account is reporting inaccurately. This is a violation of the FCRA and is in violation of the requisite XXXX Complaint reporting standards. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand this derogatory item to be DELETED from my report immediately. 15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit repo