Also, plenty of employees in car dealerships and finance companies in the US sell access to credit reports (i.e. they make a new credit report search on demand,

Also, plenty of employees in car dealerships and finance companies in the US sell access to credit reports (i.e. they make a new credit report search on demand, not a previously stolen one). Just go to any of the darkweb markets and you'll find them there, with a lot of glowing "reviews". If the money is there, and it can be done anonymously, people will keep doing it.