[The credit header] is personal information that the credit bureaus Experian, Equifax, and TransUnion have on most adults in America via their credit cards. Through a complex web of agreements and purchases, that data trickles down from the credit bureaus to other companies who offer it to debt collectors, insurance companies, and law enforcement.
A 404 Media investigation has found that criminals have managed to tap into that data supply chain, in some cases by stealing former law enforcement officer’s identities, and are selling unfettered access to their criminal cohorts online.