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Experian headquarters as company is facing class-action lawsuit over security concerns, in Costa Mesa, CA, U.S., on Monday, August 8, 2022. For decades, credit reporting companies Experian, Equifax, and TransUnion have functioned as gatekeepers — central repositories for data about the income, assets, payment history, and outstanding debt of American consumers. Signage outside Experian's North American headquarters in Costa Mesa, California, US, on Monday, Aug. 8, 2022. For decades, credit reporting companies Experian, Equifax, and TransUnion have functioned as gatekeepers — central repositories for data about the income, assets, payment history, and outstanding debt of American consumers. Photographer: Bing Guan/Bloomberg