[sonicanatidae]

I've frozen all of mine, because thanks to Equifax, I don't have a choice.

I wish you good luck opting out. I'm not talking about what the law says, I'm talking about how they act.

Technically, you can dispute incorrect info. What that dispute amounts to is the bureau asking the entity if it's accurate. No proof needed. If they say it's accurate, then you're stuck with it, until you jump through many, many more hoops.