This is the correct answer. The tort system is designed to make people whole. If you haven't suffered damages then there's nothing to sue about. Copyright infringement is a red herring, IP is an entirely separate area of law from torts.

If you've been harmed by Equifax but it is difficult for you to legally prove the chain of causation, that's a problem that tort law needs to solve. The law is flexible enough to come up with such solutions, albeit slowly. See for example the doctrine of market share liability.