This subthread is about, or at least started out when I initially responded as - adtech using ssn as an user identifier. I responded to that. I didn't intend to make any claims about anything else. Equifax is not adtech and is explicitly in the business of collecting ssn and related data.
Equifax is absolutely adtech. Their data is sold used by advertisers all the time. You can make changes to elements of your credit report using techniques widely available on YouTube and watch the spam and junk mail you receive change.
