Here is a list of contact numbers for your credit bureau inquiries: Equifax Inc. For credit-related concerns: Call 1-800-685-1111 to get a free credit report using the Fair and Accurate Credit Transactions Act.
California provides an exception-You can record someone without their consent, if it will be used to prove kidnapping, extortion, bribery, or a violent felony. Most states will not allow you to record someone in furtherance of your own crime or tort.
If I as a citizen recorded your phone calls with me, it is completely legal for me to do so. The question you are asking cannot be answered as laws vary state to state. In all states a person can record your call without consent but they can't do anything with it in some states. In my state only one person involved in the conversation needs to know and that can be the person recording the call. In other states all parties must be notified.