How do you imagine such an Equifax system would regard criticism of said Equifax system? Seems like the sort of thing that makes you a default risk, doesn't it.
Maybe? The point of the system is to profit/ensure no default/etc. So if the system determined criticism actually did make you more likely to default, sure. If not, no.
That may be the stated goal of the system. Any system, however, has an underlying goal of sustaining itself. If that's by accomplishing its stated goal, then great. If it's by suppressing criticism of itself, then that's just as good.