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Reporting company used your report improperly. XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX Ss # XXXX Credit Bureau XXXX Experian I need you to investigate the following accounts XXXX XXXX account # XXXX XXXX XXXX account # XXXX In accordance to the fair credit reporting act Experian has violated my rights by reporting my accounts as late. 15 USC 1681 Section 602 States I have the Right to privacy. 15 USC 1681 Section 604 A Section 2 : It alsc states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under Any open end consumer credit plan as late for Any purpose.