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Reporting company used your report improperly. 15UCS 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1681 ( a ) - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term ( consumer report ) does not include - any report containing information solely as to transaction or experiences between the consumer and the person making the report. 15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.