I apologise but I think you have a poor understanding of the way this stuff works.
Everyone absolutely wants to extend you credit.
No, you're missing the poster's point.
They're saying the problem is this:
You want to do business with company A. Company A asks company B for information about you. Company B lies to company A. Now company A won't do business with you, because company B lied about you.
Company B in this scenario is a company like Experian.
If I publish your nude pictures in a newspaper, you are similarly not a party to this transaction, but you are hurt by it. This is similar.