I worked for a while for the local Equifax branch, and that's basically what they do (aggregate and process data from payment records). In my country, they can

I worked for a while for the local Equifax branch, and that's basically what they do (aggregate and process data from payment records). In my country, they cannot do some profiling because of personal data protection laws (similar to Europe), but I understood that they do use information in that way in the U.S. .