Legal question for you. I heard someone on Twitter saying that the individual has no recourse here, because Equifax has arbitration clauses. That seems odd to me, because who the hell even signs a contract with Equifax? Is it somehow included in credit applications by third parties (e.g. mortgage and credit card companies)? Doesn't quite seem fair to me, since I doubt very many individuals have ever had a chance to vet and sign a direct contract with them, Experion, or TransUnion.