I have said for years this credit controlling triopoly needs to be shut down and replace with something less disgusting. Ever tried to fix a mistake they made in your credit report? You may as well be dealing with the Spanish Inquisition. There is no penalty for Cxx's who perpetuate inept security to make more money so security is always job #99. These folks seem to have cornered the market on ineptness. I doubt any lawsuit will make them do anything different.
Organizations at the hazy nexus of the public-private spheres (e.g. public benefits corporations, regional transit authorities, FINRA, health insurance companies) appear to be endlessly prone to "disgusting" fallout like this, no?