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.
Depends on where you are and where they are. In Massachusetts, for example, it is completely illegal to record someone's voice without their knowledge, and permission, even if it's part of an obvious video-surveillance system, in public, unless it's part of a newsworthy event that would fall under First Amendment protection.