>> For example: describe how you would stop doing business with Equifax.
> I can't speak to every area of their business, but as a credit consumer: You freeze your Equifax credit report and only work with lenders who will accept pulling a report from a different agency.
Are there actually any lenders that would actually be Ok with that when you apply for a mortgage? It's de rigueur for them to demand your credit report from all three major agencies. I suspect that's because some of your accounts may be missing from one report or another, and they don't want borrowers tactically freezing the one credit report that has adverse information.
I suspect the only way to stop doing business with Equifax is to stop using or applying for credit. For many people, that means forever renting their housing, because they'll never be able to buy.