[jkaplowitz]

That isn't an opt out on data collection, is it? Like, the data freeze only stops people from accessing the data, but doesn't stop Equifax from adding data newly received from employers to the file? And then any data breach they have includes that new data.

What's more, any time you remove the freeze to allow someone to verify the data, you have to remember to put it back again if you want it to remain otherwise private, instead of lifting it temporarily for hours or a day or one inquiry or one verifier.