Ryan Winch On the next episode of “Things That Didn’t Happen”

WOOOOO

@@amedicabg r/nothingeverhappens

Ryan Winch r/thathappened

@@amedicabg why would u assume that didnt happen I believe my mom did the same thing granted her identity wasnt stolen but it's not unbelievable to think something like this happened

Tokorai this is actually so sad!! I really wish that was a thing, and can I go there?! Thought it would have to be a problem for the happy show to even happen, there would have to be a difference in brain chemistry, otherwise people might not enjoy it.

Even an infinite number of universes might not allow for the impossible

Oh I do feel proud, even my worst nightmares aren't this screwed up, it's genuinely impressive.

This IS the bizarro universe, where Trump somehow won the election. We're basically living in a Sliders episode.

Would we need or watch this show, in that scenario?

They never do.

'Murica.

i know this is a late comment but nope they just pass the buck. “oops, sorry my bad but it was so and so’s fault!”

4 of the people who hacked equifax did get changed

Now we have literal batshit with a virus thanks to a chinese boi eating bat soup 😂

@@TheRealOnlineAcc no he ate pangolin soup, made from a pangolin that got infected by a bat. Still disgusting, but at least we have the facts right now.

Nah things have been a shitshow since 2016. Just seems worst now cuz its recent

@@xmlthegreat pangolin sliders bruh

I thought this shit was recent smh made more sense

I'm willing to bet on that, too. It's almost always the case unfortunately.

Preach it. Security always takes a backseat, and then if you have an incident, you also get to be the sacrificial lamb.

Because cyber security is REEEALLLY expensive and boring, so we'll get to it later, gotta save up for our next ad campaign. nobody thinks about the I.T department, until it's all too late and everything is broken.

As a programmer that has dealt with computer security issues in the corporate sector, I can absolutely 100% confirm that it happens _all the time._ Executives are pure evil about 90% of the time.

Why wouldn't they just do it on purpose?

hzuiel Exactly.

If they have your data it's because you opened a bank account or something and signed a paper at that time which gave the bank permission to give Equifax your information. So they did get permission. It's just impossible to not give them permission, unless you avoid ever using a financial institution for your entire life.

+aCynicalPie Has anyone ever actually told you who they were checking your credit with? Because there are the big 3, and then a bunch of other small ones, and they could check anywhere from 1 to all of them, if i tell a bank they can check my credit history i don't really have any control if they decide to use equifax to check my score or trans union, or both, or a smaller local credit bureau. I have never been informed who my credit was being checked with, and inevitably with only 1 or 2 exceptions that info will wind up on all 3 of the big credit bureau's reports. Then consider that you need to use those services to live anything remotely approaching a normal life in the modern world and the problem should be apparent, it's not as if you can just choose not to have a file at a credit bureau and live your life like anyone else. There's only one type of life you can live that way, amish. You can't get utilities turned on, you can't rent a place to live, you can't finance a place to live or anything else for that matter, you can't have anything besides a pre-paid cell phone plan, you can't even get a job in most places anymore without a credit check. Basically the only people unaffected by the need for credit these days are people who are born into enough money to pay cash for everything for the entire rest of their life. It is an illusion of choice, you can't actually choose between the two options, the options are live without it or live with it, and you can't really live without it.

I’m not sure what we could do to fix any of that besides hold the companies more accountable, maybe make it mandatory to tell customers within a shorter amount of time. It’s still terrible for everyone involved. I think these things need to be more open, I hate how closed off businesses get to be.

I don’t want to have to take such huge gambles to do normal life stuff. It’s infuriating.

Same

I'm afraid this expression will apply to the whole 21st century, and there are 80 more years of it...

Well did you hear about the heat ray happening at the same time as life on Venus yet?

Sometimes I go back to the older LWT videos to see what we thought was "whoa, so crazy"

Yep

Doesn't that describe America in every single imaginable possible way?

Novuu Kami Vron pretty much 😂

the perfect description of every episode of this show-

@@novuukamivron3073 Also the UK, sadly. Possibly most of the world.

Another day, anything thing done horribly wrong.

Henri-Ansel Vallee this show is literally the worse Look up Philip de Franco if you actually want someone not spewing liberal trash or conservative bullshit

I've been watching Philip de Franco since 2008 and it is nowhere near to this show when it comes to being informative, he simply has too much to cover in 15-20 minutes. But i do appreciate him bashing both sides.

Andrew Adricatico The worst? This show is the most informative show out there and you say it's the worst? This video has informed me waaay more on this issue than Phillip did and I like Phillip Defranco but his take on this wasn't as depth as John Oliver's.

Yes, it is the worse. Absolutely suck. I hates it. Just the worse. (Being sarcasm)

It is informative, but do not forget it is also opinioned. Not all their positions is to take by the letter.

Erin Leitner Oh, so that's who was having trouble with their hat in the background of those video clips. All I could see was that someone was trying to wear a formal top hat indoors, for whatever reason. Someone should have told her to remove her hat because there's a lady present.

John Francis Doe interesting

Can you put a time stamp?

@@dowskivisionmagicaloracle8593 www.washingtonpost.com/news/the-switch/wp/2017/09/19/equifaxs-top-security-exec-made-some-big-mistakes-studying-music-wasnt-one-of-them/

+Totally Nameless While it doesn't excuse unmeritorious "diversity" hiring this piece did (inadvertently) present the ongoing problem of carpet baggers in the ICT industry that started around the dot-com boom. The costs of maintaining and cleaning up after some of these people is immense because they don't understand fundamental information systems principles or how to properly design and plan. Either way, thank you for the informative article.

Who the fuck wants my SSN it's more worthless than wet toilet paper

John Gamble, Rudy Ploder, Trey Loughran. Look them up, they're starting new businesses as we speak. We need to spread the word and make them pay, or they'll do the same shit knowing no one has the will to take them down.

I'd say it's obvious insider trading!

Under present laws all management personnel in the company MUST plan the stock sell at least 12 months in advance and use a neutral 3rd party (stock broker) to do the transactions. This means that the stock sale deal was actually signed into contract before the breach happened and before it was found out. It is not related to the breach and thus is why it does not violate anti-trust laws.

@@StrazdasLT Funny coincidence, tee-hee.

@@StrazdasLT Ok, but they hid the hack from the public until after the deal went through.

+

The more amazing thing to me is that is their staff. Whenever there is a graphic of an angry man taking a sh*t it could be anyone from their cameraman to the producer. That is dedication.

Ikr? Such dedication. And the quality never wavers

Haruhiro Grimgar I still remember that one from several weeks ago with the guy masturbating with a horse stuffed animal. He really took one for the team.

It'd just be great to hang with friends and have one of them ask you how work was going. "Great actually; last week I spent six hours making the Kool-Aid man masturbate furiously!"

Button Nose like martha stewart? Heh. They need 10 years in general pop

Ya why isn't that already happening, I'm so confused.

Unfortunately plausible deniability for insider trading is as trivial as saying "oh WE didn't know".

Waypoint oh God that sounds like a jurisprudential disaster. Thanks for letting me know. I'm sorry for the folks who have already/are going to be affected by this, this could create so much difficulty in the lives of ordinary people.

The fact that they had shares in a company they worked for should be hella suspect. That's a conflict of interest.

🤣 omg I just realized that

For real

145M Americans. Sure, it's about half the population, but then you realize...what percentage of the country uses credit cards?! I'd say about 95% of CC users have been affected.

Because industries wont change unless it threatens their shareholders in some way.

Because the government would have to institute a policy to force the companies and the people in charge of the government are too busy taking handouts from the companies to make them have to spend money on anything. The US is bought and paid for by monopolies and we're merely the resource waiting to be harvested.

How dare you suggest something reasonable!

We may very well have had an opportunity if it weren’t for Senator Turtleman blocking any attempt at it. (That’s Mitch McConnell, BTW.)

Kkas10 start the communist revolution /s

Kkas10 Eat the rich? Eat the rich.

mondovb Yes, kneeling during your anthem will stick it to all those rich cretin that don’t care about you. Self-defeating twat.

Or a reason to stand for it b/c the only way anything will change in this country is if the people stop fighting with one another over small differences in opinion and fight for a change instead. Stop electing these paid for government officials who are all golfing buddies with the CEO of equifax... Vote for people who can prove they don't have ties with corporations. If you vote for anybody with ties or refuse to vote b/c you know it wont matter you are the problem. Stop fighting your fellow civilians and fight the policies that cause all the shit.

I have no idea what he meant by that: all I know is thats how I’m pronouncing her name now

I know, right? "Hey, so I understand your company is collecting, storing and selling my personal information!" - "Uhh... yeah." - "Well, I'd like you to stop that. It's personal information. I don't want a bunch of random people and companies to have it without my knowledge or consent." - "Ohhhh, you're one of those weirdos. Well sure, I guess we can stop... *if you pay us."* ...Makes me damn happy we have the GDPR here in the "european nightmare".^^

No, it's the dude behind the CEO dressed as Mr. Monopoly.

You never signed a contract with the government either, they shouldn’t have any information about you either.

@@lovefoole6920 yeah no, you signed hundreds of contracts with the government when it provided you write through schemes and infrastructure all throughout your life and you paid indirect tax on almost everything

D'oh!

SEC must punish management for insider trading, knowing a bad news and sell stock before tell to the market

ukposts.info/the/WvMmm_sSdgALpo1Ci4WvtQ.html

Why are there so many spam comments?!? So Annoying

fakeclip.info/48_ftsgbsns99.html

jtech0 That "warning from department of homeland security" was just their daily/weekly list of everything that offered a security update that day/week including a page about that one patch that might have been the problem. There have been more than 10000 of those warnings this year, and some of the patches are worse than the problem, which makes it hard and time consuming to decide if each patch is good, bad or don't care. All of IT is basically fucked after some of the biggest suppliers decided a few years back that putting poison and boobytraps into security updates was good business.

It doesnt matter. If equifax goes under a new one will just take over. We need to fix the laws so the data could not be stored like that in the first place.

Yeah and remember what happened like what, not even 2 weeks ago? Jfc

@@StrazdasLT Well, there are some genuine reasons why you would want to store that information, but clearly better regulations are needed, with more oversight in the industry at large.

DriftKingNL oo now I'm prepared...

Turn that days into hours and you'd still be correct about 95% of the male population.

I read this as it rolled and I lolled

Ssshhhush.

Tom K oh

reluctantmuggle the government already has all that information so I guess why not, plus they should be more secure since they wouldn’t worry about profit and revenue

If the government credit score system were breached like this things would change after the fact.

And since the government can't buy politicians with donations if something needs to be addressed congress can actually go on the war path to fix things rather worry about stepping on the toes of donors.

LMAO Pepperidge Farm. Some people are going to believe you, too. Some others are going to think you're serious and jump all over you.

I love it. People don't trust the government because they fear the government could act in its own interest rather than in the peoples. An then they think for profit companies are the solution who we know for an absolut fact will and very much expect to do so. I mean seriously where did complete privatisation do anything good for the mayority of the people? Education? Health care? Defense contracts? Infrastructure? Media? Pretty much all of your problems can be traced back to the idea that a completely free, unregulated market will sort it out and yet you defend it with your life. You don't want to be called dumb all the time then PLEASE explain this nonsense to me!

When you make money over someone’s debt, money needs to be as accessible as possible. Its America..

I might actually just be a poor dog assistant.

Ivanka's already taken that spot...

andrineslife assistant*

Spell check your resume before you submit it

andrineslife I want to roll joints for rich people...

Nice, I was curious but too lazy to type it in myself

It's October and I couldn't reach it.

It's still up and working!

@@jazzman5115 Still up

@@bthy384 still up now too

Aniyunwiya Ageya exactly! In fact, I’m hoping that the bill collectors will start hounding them instead of me.

Same here! Truth is I quit having anything associated with robber baron businesses - no banks no cards nada anything! I'm actually living a much happier life - fuck Equifux....

TheGeckoNinja we live in a fucked up system that benefits corporations, and Fucks anyone who doesn't have a minimum 7 figure sum.

Info here ukposts.info/have/v-deo/jmWifoCLr2uFko0.html

Lifelock isn't too bad. I've actually been alerted about suspicious activity. It's better than nothing, ya know?

Half of us Americans are unaffected. You see we are so poor our credit is fucked and nobody could take advantage of our information anyways.

Praying doesn't do much so you're just fu*ked.

Provided you know what a fraggle is lol

Actually, the third one was TramsOnion. But anyway, yeah.

Must be fake news.

Remember: you're the fucking chicken.

Ann Nee look up charter spectrum, greatest example. A TV company that got rid of all Viacom channels today

Preach

Ann Nee this is to a whole new level then most corprations. Becuse as he said ushly they have other reasons to care about us. As treating us to badly can lose massive buisness. Even a monopoly has to be more carfull as a customer might chose to go without the thing they sell at all just to spite them. Also as enron learned they can get fined and shutdown. And they can end up in jail. But Equifax seams immiune to all this. No matter how many insider trading laws they break how bad they handle this. They wont lose one penney.

Ugh, of course that accountability applies to small businesses, but Equifax remains unscathed. This country is trash.

Tyiff Pejic that has been a firmly established fact about this country. Where's the current CEO of equif***? He deserves to get knocked the f*** out.

​@@tyiffpeijc8702 Not just the US is plagued by this problem, The Netherlands is as well, we have an organisation called the Authority for Personal Information, which seems to turn up in court cases against companies abusing the law concerning the usage of personal information more and more on the side of the abusing companies, while they actually should be protecting the regular consumer/citizen. The National Donor-register (for registering organ donors) recently had an incredibly moronic security breach in which a hard drive full of personal information of about 1,3 million people got into the wrong hands (oh, and the drive was UN-EN-FUCKING-CRYPTED !) . The National Donor-register didn't really apologize, and even had the balls to say "There is no serious risk of the information being abused for identity theft, because you need more information for that", and the news article about the breach actually stated "The information contains names, addresses, birth dates, postal codes and the social security number" and I was like "Hmmm, what security-checks do some companies ask you over the phone to verify it's actually you who is calling? Oh I know, they ask you your address, your name, birthdate and sometimes, the ones who are allowed to, your social security number, what could possibly go wrong!?" But they have gotten away with an investigation and apologizes later on, no fine at this moment, which I really do not understand.

It's like this game of capitalism has been rigged from the fuckkng start

The person identified themselves as non-binary gender neutral, that is if we want to be specific

+asherael Because people that keep structures like these, can't be fucked to spend effort or budget to fix something that "works well enough". Well, here's their proof of concept. I bet they still won't care.

asherael this is our lawmakers making sure we are screwed,only the rich are really protected.

asherael they actually weren't meant to be. Look up "cgp grey social security number" if you wanna find out more

Agree with the concern, but it’s not the number, it’s how it’s used. The number is just another name for each of us. The fact that this number/name is all that is required to set up an account is crazy. There should be at least a phone call to a known number, lawyer, bank, whatever to confirm who this request is coming from.

You can't do much with *just* a SSN. It's not the only thing needed: they also need your full name, date of birth, current address, current employer, and probably a couple other things as well, but guess what? All those things were stolen in the Equifax breach too!! *That's* what's going to eff us. And in this age of information automation, a credit app submitted nowadays might NEVER be reviewed by a human during the entire process. The denial or acceptance letter can emailed without anybody having to look it over.

Money??? To our people???? It's less likely than you think

I think 99% of the damages will happen in the next months or years. Social security number theft is usually done by the dozens, not by the millions. I guess the black hat market has yet to adapt to this, but it will and people will find ways how to monetize millions of identities at once.

It's roughly 50% of the _total_ population of the US, but it's 99%+ of the _working_ population of the US. THAT is the legitimately scary part.

Subtract everybody under age 18 and those affected is an even bigger number of the population.

Considering the population too young to have ever needed to use Equifax, or too young for a bank, landlord, employer, car dealer to require a credit check, you might as well assume all adults have been affected. Because we as individuals never even needed to use Equifax, we just needed to do business with an entity that did. 145 million people is much more than half the adult population. And this is just the breach we know about. Not including all the other, more minor breaches they haven't issued alerts about.

Ever hear of paragraphs? Idk why your putting every thought into a new comment.

Join the fucking club dude lol

Harley Q. the problems US are having right now, from crisis in Puerto Rico, mass shooting that happens more than it should, to a basically impotent government, it makes my country Indonesia look a lot better. Not saying that Indonesia is better, but i'm just saying that it look better by comparison.

I am reading comments that totally degrade this entire country...myself included...and I just smile and think...who can blame the people of the World for finally speaking the truth? I am literally surrounded by millions of people who sit back and watch innocent women, children and men get shot down in the street. So many things here make me so sick. (The food, air, water and blind followings) The Divided States of America...a revolution is brewing...there's literally no other way to correct this insanity...it's way too many imbeciles and not enough corrective actions by the intellectuals.

Jamila Monaco i sympathize with what's happening in the US. I know that the current US government doesn't reflect the average american citizens. And personally, and i think should be the norm everywhere, is that when the government doesn't represent the people, it's time to make a change.

Syahreza Difachri Exactly why a revolution is the necessary corrective action. An impressive uprising of The People is the only way to be heard through the insanity. I have an idea but it takes all people to be united. The enterprise has done an oustanding job with brainwashing and dumbing down The People it will take a literal act of God to make my idea come to fruition.

Jamila Monaco well Indonesia had experience with such revolution. To sum it up, in 1998 college students and young people across nation got fed up with 32 years regime of a president, gathered in the capital Jakarta and all kinds of hell broke loose. And then, 19 years since the revolution, we're getting better. I think the key and driving force behind any revolution is every young people who want make their country a better place. Like back then when US gained indepence from british, CMIIW but many of the major player is "young".

Damn, that sounds like a dream come true.

Congrats on living in a country where people care for each other.

It similar in all European countries. Identity theft usually never happens around here. It's just the US and other 3rd world countries that are messed up.

You can blame the government. Identity cards are considered racist here.

How has this post not been up voted to #1?!

Harley Q. Well, I mean, you got a Star Wars icon as your avatar and a super villain as your username, so I mean pot and kettle

Lofti I didn't even notice that, that's hilarious.

Lofti LOL thank you for pointing this out. Made my day.

Yeah she’s remarkable. She should absolutely be president.

Pochantas😂

i can't believe he didn't point out ur mum

Monopoly Man is crazy..... Watch the entire video and he will make you LYAO.....

Can I have a time stamp?

+Thunder Jay 13:17 Far right of the screen.

cool, thanks

That's the thing though, nobody "uses" Equifax really, it's not like any of us Americans has a choice. All of this personal information is given to them against our will. We have no choice.

Equifax is one of three companies that display your credit score.

if by users you mean most Americans yes, it's hard to call us users when we aren't voluntary to their having the information in the first place.

#Equifucked

Except we're not its users, as Oliver said, we're the product being sold to the real users.

Lol right?! Laugh outside cry inside!

Sound like your a loser

H Akhio how tf can you see them?

stonematt X-Ray Vision Bitch.

There's a loan for every score. Enjoy the 1000% interest rates.

You act like they're going to be the ones responsible for the payments? They don't make a single payment before walking out with a cashier's check... 13% interest is irrelevant for their side of it apart from the financial institution possibly denying them outright. There's always quickloan shit, they'd approve anyone if they promise them a 120% interest rate.

John Doe there isn't.

I’m a college student I’m in the 800s and I was hacked so I’m screwed but don’t really care cause soon the credit score will become obsolete because if this they will need to replace it with something else

You misspelled "fucked"

mariel ivana you’ve been fucked for 3 months lmao

Do pOrn

Do poRn

Do porN

Mansquatch312 I'm assuming it's because when you get something on credit from a company, that company has an arrangement with the credit bureau. We are the commodity/product....its ridiculous that it's considered ID theft when the info is really owned and controlled by corporations and out of our hands. Credit is BS.

Well, yeah you kinda did. Whenever you sign up for a credit card, loan, apartment, cell phone, etc. there is a provision in the contract that says that they will be sharing your information with credit monitoring agencies. Whether or not this is *fair* or not... you'll be arguing till your dead (which is probably at this point the safest option)... but give the way the market works, you don't have an options where this clause doesn't appear...but you still agreed to it when you signed the paperwork. Now credit scores are necessarily a horrible idea. Lenders need to know how big of a risk you are before they decide to lend you money or trust that you'll be on time with payments, etc. To determine that, that's why we have a credit history. It's fair that a person who has never missed a payment in their entire life gets a better rating than those that are tardy or late in their payments. In all honesty, the score itself isn't all that meaningful because after all ... people don't go by the score as much as they go by your history and the individual transactions to see how risky you are. The real issue here isn't the credit reporting companies as much as it should be placed on security and the enforcement of it. There needs to be a serious as hell discussion about how to make this industry more secure.

We don't have credit score in my country and things go well regardless

exept for the fact that it blatantly targets a weaker population: the poor. if you have all the money in the world it would be your personal problem if you missed a payment. yet most of these cases are people not ABLE to pay them. the people that do have good money, get beter credit; spend less money. it's like the saying. it's very expensive being poor.

Matthew Buchman the reason it's bullshit is because these banks charge crazy high interest rates and make it almost impossible to pay them off. People who have money don't need credit cards. It mostly affects poor people who don't know how to handle credit.

Harley Q. And what would that be?

I'm reading Data Protection laws right now, and I agree. This is a pressing matter right now, across the world. More power to you

LOL, with cyber wars and stuff. Good luck.

Rem. Thanks mate

Thank you, I was having the same idea.... It would be costly.... But not as costly as this breach by Equa-freaking idiots

Opening a new way like that may also open up a whole new can of worms...

2 - 5 step verification process for all credit applications, where the Social Security Number isn't regarded as the most private form of verification.. that would be the best solution.. multiple forms of verification for anyone to open a new account in your name!

The Social Security office said when these started getting assigned at birth that they aren't very secure don't use them.

It's the paper you. Kinda hard to do picture and biometrics. You'd have to start when someone is a baby, update constantly.

Yup.

But that's why you can't give up! Look at John Oliver! Bring awareness to the issues. Put out fires. Learn. Improve. I know that's super naive, but I don't want to accept that there's no hope. Yknow? ;___;

ey, that's the spirit @ayesha!

Mc FruityBooty nice name lol

yeah, it's easy to feel hopeless in a time like this. But when you think about it, that's kind of what life has always been like.. It's just worse for us because of how fast everything is happening. Everyday, technology keeps advancing, corporations keep growing, all within a government that sucks at regulating it all... mostly because of corruption. But once you try to understand how it works and try to find a solution, like how ayesha put it, it's just a matter of actually doing something. And if that doesn't work, do more research and try to figure out something new. Rinse and repeat. It's easier said than done, but it's what has to be done, especially at a time like this.

They took the info to make money, not to get into debt.

Asmodeus duh, im saying since they can hack into accounts, they can go ahead and hack into my student loans and clear it.

Leondra Fair Some companies have a vested interest in not losing your info..😂

This would be the greatest hack of all-time. The "Student Loan Forgiveness Hack".

Rae hence, y its called being hacked. Overriding security

Reject off ft y

Someone call 911, I think this guy just had a stroke

I don't think you know how identity theft works. It doesn't matter if you have no money and are in debt, they can still open up credit cards in your name and rack up more debt.

Kyle Carnett Not with that crappy credit hes having cause of his student loan debt. #murica

Austintagious theres all sorts of loans you can take out with bad credit. so if you think you're untouchable because of your credit, you're gonna have an even worse time than you're already having

Changyuan Pang oh

Bwahahahahaha!!

He gets to retire with $90 million, awesome. fortune.com/2017/09/26/equifax-ceo-richard-smith-net-worth/

AlucardRemixed phenomonal

Welcome to America. The more money you have, the more likely you are to get rewarded when you seriously fuck shit up. Isn't capitalism grand?

Tofu Kingpin - Identification in 'murica commonly uses SSN 'cuz it's federally issued, unlike passports and military IDs that are state issued. This means they most likely will assume that y'er you if you have y'er SSN (and several personal info that they require) right.

Noterare but what if I'm like Todd and my SSN has been stolen and now not-me is unfreezing my credit? D:

I doubt someone with valuable information like that would give it up by freezing the account.

To freeze it initially, you have to answer a number of questions about previous loans and addresses and employers that hackers don't have, at least not immediately. After you freeze it, only you have the PIN to unfreeze as needed. But you have to keep track of it.

It's also important to note you can get your credit report from these companies free of charge once a year..if everyone gets theirs now, any would be impostors would have to pay to get it the second time..seems like a good deterrent but a yearly practice

they won't. because THEY are the ones profiting. and usa has bearly any regulations on anything. so they won't care and nothing will change unless we all speak up

Lmao they have balls?

This is a company that demands everyone's most important personal information, fails to secure that personal information, conceals the most serious data breach in US history for weeks, tries to trick people into giving up their right to sue, and charges people for the ability to protect themselves from the consequences of having their personal information stolen. Their whole business model is based on the idea of judging the fitness of consumers to receive the blessing of debt. I'm guessing they are comprised of almost nothing but balls. 70% scrotum, 29% testicle, and the remaining 1% is every other part of their anatomy.

you are hoping that a company that is only a hop and a skip away from full legal autonomy feels negative repercussions? that is really cute but really stupid as well. they aren't seriously harmed by allowing this stuff to happen and it requires effort to change there is so little regulation that the money they pay out in litigation and fines is easily made back and they are so tied into the network that even if they are held to account there is little chance of dissolution making it monetarily unnecessary to preserve the privacy of the persons whose information it is they keep. at this point the us government has to legitimately fall to affect mega corporations like equifax in any serious way so for sure noone is able to litigiously dent equifax's ballsack let alone take it clear off

You know, that would be fun to hear from a jury. "The defendant is ordered to pay a huge pile of money and must have their ballsack removed and fed to pigs." However, without some sort of credit reporting, there would no meaningful commerce. No home sales, cars sales, business to business loans, no credit lines, no credit cards, nothing. In short, welcome to 80% unemployment and all cash sales.