At some point, America is going to run out of the free credit monitoring offered after a data breach, and we're going to need something a little more concrete, like actual data protection laws.

@zackwhittaker It's still baffling to me how a service to predators who want to offer "me" credit and that further invades my privacy is supposed to be compensation for having my privacy violated.

Having them unable to assess whether any particular debt was incurred by me or someone using data they stole and thus unable to collect anything seems like a far better outcome.