Earlier quoted context omitted.
How is equinox getting the data? Is it from self reports? (EG: you apply for credit, say you work for XYZ and make $QWR -- that goes in your credit report.) Or are employers turning over this information to equifax? By what right can they do that? Seems a violation of the privacy act to me.
The employer is giving (selling?) the data. http://www.nbcnews.com/technology/exclusive-your-employer-ma... In the US the Fair Credit Reporting Act gives collection firms the ability to access this data. In other uses (like the landlord example) the access is granted by the employee.
So, yet another argument for starting a startup rather than being an employee.