User "Vod" shitposted my reputation for asking a loan "without" a collateral in his opinion, nevertheless it covered 70% of the loan in my opinion and anyway even if it wasn't he has no right to do so.

I could have asked a loan with no collateral at all(as many users do there), it was not his right to do so when I did not ask him anything at all, he could have posted in the thread saying his opinion instead of shitposting my reputation.

I could have changed collateral to something else as well, I've sent him three pms and he is not answering.

edit: read below too