Well still, that’s an open door to fraud. The SSN has become too mighty. People ought to be able to designate some private additional key. If Equifax proposed a workable solution, it could turn a flop into a success.
You get free 90 day credit freezes for suspected fraud. If they are going to make money from my SS and info, it seems to me I ought to have more control over when I can freeze/unfreeze my account without being charged for it.