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Reporting company used your report improperly. Capital One has violated my rights enacted by the FRCA, FBCA and Privacy Act. For items that have been placed on my credit report. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If thi