Don't you remember how Equifax was hacked into and their stock price briefly dropped? Then they were burdened with all those email addresses people entered to check their credit... And they had to pay the ultimate price by spamming those addresses constantly with advertisements, and that's not cheap!

And as a free service, I can now have them email me whenever my credit score changes, so I can log in and see that I fluctuate up and down 2 points routinely for "algorithm changes". Take that, Experian!

The issue in question isn't so much the breach, but the misuse of data by the subcontractor. I've personally witnessed people be fired for this, and know of lawsuits that exist for this specifically, and that's just at the company I work for...