Credit reporting is always consensual. In the same way you agree on the interest rate, fees, payment schedule, etc., you agree to a credit pull at the beginning of a loan and reporting on your payments over time.

Maybe you feel entitled to be extended a loan without any credit reporting. I, personally, feel entitled to a loan without any interest. But neither of us are going to get what we want.

I am not American and not living in the USA. I am not subject to any of this contrary to what you think.

Tell me more about this magical country where there are no repetitional consequences or persistent records when you don't pay your debts.

I strongly suspect you are subject to all of this via a state-owned CRA or little to no borrowing activity (also an option in the US).