In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.