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Paypal credit scoring Fraud

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Paypal credit scoring Fraud

I have reported paypal for credit scoring fraud on ripoffreport. I received a credit score of 636 last fall 2019 my credit score was above 700 all bills rent, autos, credit cards all paid and current. I would like to demand that Paypal obey the FCRA and FDCPA U.S. Federal laws and not engage in credit scoring fraud this is a 1,000.00 fine for FCRA and 1000.00 fine for FDCPA