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Reporting company used your report improperly. In accordance with the fair credit act XXXX XXXX XXXX XXXXXXXX with Marcus by Goldman Sachs has violated my rights. 15 USC 1681 section 602 : states I have the right to privacy. 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnishe an account without my written instructions. 15 USC 1666 B : states a creditor may not treat a credit account under an open end consumer credit plan as late for purpose.