CreditKarma doesn't give info to Equifax, it gets info from Equifax. The credit agencies (of which equifax is one of 3) get their info from credit card compani

CreditKarma doesn't give info to Equifax, it gets info from Equifax. The credit agencies (of which equifax is one of 3) get their info from credit card companies and other financial institutions. If you've ever signed up for a credit card or gotten a mortgage or car loan the information from that transaction was sent to the credit reporting agencies. That's how they get data to make their determination of how credit worthy you are.