The Equifax  breach has created a groundswell of voices, including congressional ones, demanding change in how credit reporting agencies are regulated. I think that regulation isn’t the cure for what ails the three players who control how credit information is accessed and used. Instead, it’s important for policymakers to focus on the real issue — and listening to consumers who’ve been telling the CFPB for years that there’s something really rotten in the land of credit reporting. …see more