I don't have a source, but you are the subject of Equifax's business, not a participant, so you have very little say. They scrape public data, and buy data fro

I don't have a source, but you are the subject of Equifax's business, not a participant, so you have very little say. They scrape public data, and buy data from credit card issuers, store "loyalty" programs, etc. For the little you can do, see here: https://en.wikipedia.org/wiki/Credit_reporting_agency#United_States https://en.wikipedia.org/wiki/Credit_reporting_agency#United... Note that there are all sorts of unregulated ways in which companies (e.g. Facebook) use CRA data.