Your original comment, before you edited it, did not call that out. You specified the 425 million as only for people affected by the breach. And that's not what

Your original comment, before you edited it, did not call that out. You specified the 425 million as only for people affected by the breach. And that's not what it was for. Anyhow, how do you know there have been exactly 0 incidents? Where do you even begin to trace any incident back to this breach as the cause? Claiming it as non-existent is a bit naive. The damage has been done. Your information is out there. Again, slice it anyway you want. Let's assume NO ONE has been ACTUALLY impacted. Let's go with identify theft protection. As a consumer, I don't trust Equifax anymore. Since they mishandled my data, it's perfectly valid for me to reject them and opt for another monitoring service I trust, which let's say I have to pay for. I am in the situation covering my bases because of Equifax. So, I expect them to compensate me for this service. Oh wait, there's no money left. Use our credit monitoring service or get wrecked. And this is ok? So, based on your statement, we're literally relying on a vast majority of people either opting for the credit monitoring from Equifax or not claiming any damages for the rest to receive any compensation? If that's OK, then I guess I'll stop engaging here.