I'm claiming that we should have the right to tell one of the three credit reporting agencies to get bent and delete our file if they're Equifax in October of 2

I'm claiming that we should have the right to tell one of the three credit reporting agencies to get bent and delete our file if they're Equifax in October of 2017. That's not the same thing as "delete the record of debts I don't want to pay." That's completely disingenuous of you to suggest that's what I meant. There are three credit reporting agencies. Can you tell me why there aren't more? Because from everything I can tell, there is nothing short of purely criminal activity that could actually result in Equifax being required to go out of business. It seems that no amount of negligent behavior on their part can give me the right to say "cease and desist your retention of my record," while I've never so much as signed a document that came from Equifax. I have no direct relationship with them, and I have the right to get a restraining order if a malicious stalker is all up in my shit, so how is this situation any different? What makes them the authority? Because credit banks do business with them? That's nice... I want them out of business! In Europe, I would have this right. Nobody could maintain a file on me that I can't get a legal order for them to delete. I'm not talking about debt holders. I'm talking about this parasitic company that evidently has no security team, or has chronically underfunded it to the point that we get where we are now, or had simply disregarded their advice umpteen times _after_ it became clear that the situation was very dire. The struts vulnerability was disclosed months before they patched it. Any security researcher worth a dime could have told them it was a mistake to put up that equifaxsecurity2017 site that was literally (so much that their own Twitter account linked to it 9 times) indistinguishable from a phishing website and make the only way to know it was legit, a link from the front page of Equifax.com. How did they get such a great gift from the law, if such is true then sign me up to be a credit reporting agency! I know how to build crappy websites and persist database records, it seems I meet all of the non-existent licencing requirements to be a CRA.