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Credit inquiries on your report that you don't recognize. in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 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 a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.