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Reporting company used your report improperly. In accordance with the fair credit Reporting act XXXX Account with Comencitycapital/XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furniss an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any opens end consumer credit plan as late for any purpose.