When Equifax was hacked, 145 million adults had their SS #, birthdate, address, were all compromised. I had someone hack my bank account, change username, password, put money into this account from another person’s accounts, transferred money from savings to my checking account. Then transferred money from a second account of mine in a different bank. We acted fast captured the first account back, stopped the transfer from the second bank account, changed all the usernames, passwords and started using two part account verification where a temp password is sent to your cell phone to enter on your computer. These people got almost $5000 from a major drug store, it cost me nothing but time.
You then notify the the IRS that your information has been stolen, they will go after tax return, you can get a pin from the IRS that must become part of your return, but you will always have to use it.
When it is all said and done Equifax has not been punished in any way for their non action in securing your information that you didn’t give them permission to have.