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Reporting company used your report improperly. In accordance with the fair credit act this creditor has violated my rights. Under 15USC 1681 SEC 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.