Interesting insight in this article. Comments will be closed on it.
"One of the few stories that has managed to compete successfully with the specter of hurricanes pounding US cities is the massive Equifax data breach. It was bad enough that 143 million individuals’ records were compromised, which given how borrowing is distributed, almost certainly translates into more than half of the working population. To add insult to injury, Equifax knew about the hacks as of late July. "
https://www.nakedcapitalism.com/2017/09/how-us-regulators-created-the-equifax-mess.html