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> The whole system upon which Equifax was built

You mean "which the credit industry was built"...not Equifax. Equifax is just one of the big 3 CRAs. Singling out Equifax in this context is taking a very narrow view.




Equifax is more than just a company in this business. It is part of cartel with just two other participants. It is not completely inaccurate to single out Equifax as a controller of this industry.


I don’t disagree. However, when I’m buying call options for a particular incident, I’m picking Equifax in this case, which was the context, and hence the singling out of one company amongst the three.




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