I mean that's really what it comes down to, isn't it? The incentives. Why should any of them care? They make thousands of errors with regularity that cause millions of consumers endless hours of agony trying to get jobs, trying to buy homes, trying to buy cars, but like, we can't not use them. In my entire long life I have never once done business with Equifax, Experian, and TransUnion. Yet each of them have an entire drawer's worth of data on me, all of which is stored incredibly insecurely, is rife with errors, and the only time I really hear from them is when they've once again screwed something up and have dropped it in my lap like a cat showing up with a dead bird: "Heads up, you gotta handle this."

Like, name one thing they actually do right. Literally anything. I challenge anyone who reads this to name a single bad thing that would happen if all these leech companies got Thanos-snapped out of the universe tomorrow.