There is actually a response from the FTC about concerns relating to the credit service being offered by Equifax themselves. Therefore the agreement stipulates

There is actually a response from the FTC about concerns relating to the credit service being offered by Equifax themselves. Therefore the agreement stipulates that the first four years of monitoring is provided by Experian, the final 6 years, though, is still Equifax. https://www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement#FAQ8 https://www.ftc.gov/enforcement/cases-proceedings/refunds/eq...