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Reporting company used your report improperly. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. The late payment should not be on my credit report I was never late and the account is paid in full and closed please correct asap.