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Their investigation did not fix an error on your report. In accordance with the FAIR CREDIT REPORTING ACT ..XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason