>>> Surely the heavy amount of regulation around credit freezes prevents an app like that from being created in the first place. No, the law says nothing speci

>>> Surely the heavy amount of regulation around credit freezes prevents an app like that from being created in the first place. No, the law says nothing specific. It would take a lawsuit to determine whether this is lawful. It's way too expensive for consumers to go against a big company with unlimited time and budget. It takes year to settle, during which Equifax can make a lot of money. They have nothing to lose really by playing on the edge.