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Reporting company used your report improperly. As in regards, the consumer reporting and the lending to third-party affiliates LVNV, has insisted upon assuming an ILLEGALLY established account be reported against me outside of my knowledge or consent to the initiation of the account, in any regard And as it states in 15 USC 1681 regarding the fair credit, reporting act section 602 ( a ) of this title clearly says there is a need to ensure that consumer reporting agencies exercise, their grave responsibilities with fairness and impartiality, and a respect for the consumers right to privacy XXXX and XXXX our consumer reporting agencies and I myself am the consumer. I believe it is my obligation, right and duty to make sure that my information that is private information not be allowed to be