what's lost? my SSN/name/address/phone? or what? what is exactly lost? if SSN/birthdate/name is gone, then anyone can fake me online, apply credit card under m

what's lost? my SSN/name/address/phone? or what? what is exactly lost? if SSN/birthdate/name is gone, then anyone can fake me online, apply credit card under my name. am I missing something? what was stolen from me? so yes I can say I worried for 10+ hours and Equifax will pay me $250 no questions asked, but this is not exactly what I want to have.