[JumpCrisscross]

> What exactly is the best case scenario here I wonder?

Pass a law that (a) lets Equifax fail, thereby (i) sending a clear message while (ii) solidifying, in law, the industry's liability to consumers; and (b) prohibits existing credit rating agencies from purchasing Equifax's data, thereby priming the pump for a new entrant. Alternatively to (b), mandate a separation (Glass-Steagall style) between those who warehouse credit data and those who use it to calculate a credit score.