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.
Federal law and many state wiretapping statutes permit recording if one party (including you) to the phone call or conversation consents. Other states require that all parties to the communication consent. Unfortunately, it is not always easy to tell which law applies to a communication, especially a phone call.