Well they sold services which made use of a vulnerable version of struts.... You can argue services != products, but It could be argued a similar approach coul

Well they sold services which made use of a vulnerable version of struts.... You can argue services != products, but It could be argued a similar approach could apply. The fact that they didn't sell those services to consumers but that consumers are the ones impacted is actually a big part of the problem. There's an externality here in that the people who suffer the loss have no part in the transaction (they are neither buyer no seller) so have no way to, in an economic sense, impact Equifax's behaviour, which does lead to the idea that regulation could be an appropriate approach.