> “We deployed an experience that embraces both security standards (using a multi-factor and layered approach to verify the consumer’s identity) and reflects sp

> “We deployed an experience that embraces both security standards (using a multi-factor and layered approach to verify the consumer’s identity) and reflects specific consumer feedback on managing security freezes and fraud alerts online without the use of a PIN,” she continued. “The account set-up process, which involves the creation of a username and password, relies on both user inputs and other factors to securely establish, verify, and authenticate that the consumer’s identity is connected to the consumer every time.” She tosses around the word security, but really what she is saying is that Equifax decided to make the experience as simple as possible because having people create accounts with them without the need for boosting CSR headcount is more important that securing those accounts.