The concern I have, and it has been raised by a few of the members here, is what happens on the 13th month after someone's data has been stolen. If someone has stolen a credit card, it's not a big deal. We can replace a credit card. However, I can't change my SIN or my date of birth, and I probably don't want to move just because of this. There are a few things that are hardwired and that are going to be susceptible to being taken advantage of, say, on month 13 or month 14.
If that person is defrauded on month 13 and it costs them $20,000 to get their identity back or to fight the person who has taken it, how much will Equifax reimburse that person?