I'm entirely ignorant of the law around credit scores, but isn't your Equifax credit score just whatever Equifax says it is? How can they be wrong? I'm not endo

I'm entirely ignorant of the law around credit scores, but isn't your Equifax credit score just whatever Equifax says it is? How can they be wrong? I'm not endorsing them, it just highlights how ridiculous the concept of centralized credit agencies are.