> ...but they can query company databases... my favorite example: a US person setting up their own personal account on the US Social Security Administration's

> ...but they can query company databases... my favorite example: a US person setting up their own personal account on the US Social Security Administration's website must provide sufficient authentication information. and where Social Security get this authentication information about each person? Equifax! [0] see https://www.ssa.gov/hlp/mySSA/df-idverification.html https://www.ssa.gov/hlp/mySSA/df-idverification.html