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Reporting company used your report improperly. It has recently come to my attention XXXX Integra is illegally reporting a charge off on all 3 of my consumer reports. This is a direct violation of the law since I have not granted XXXX written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with Internal Revenue policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX Integra reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this