Which of the following violate your consumer credit rights?

A. A credit card company sends you a notice that the periodic rate on an account opened 12 months ago will double in 45 days.

B.You are denied a credit card because you have never borrowed money before.

C. Your credit report contains information that relates to a person that has the same name as you.

D. A bill collector raises their voice and threatens to tell your employer that you are a deadbeat in a phone call related to a late payment.