"So says Al Gidari, the director of privacy at the Stanford Center for Internet and Society, who points to a criminal investigation into whether Equifax executives sold company stock on insider knowledge of the breaches, which may affect every adult American who has at least one credit card, and even some who have none.
“The system needs to change, where the user has control of their credentials,” Gidari says. “The current model of credit is broken. All the data that can be stolen has been stolen.”"