There's an important difference: consumers choose to fly with UA just like they choose to walk into Chipotle and buy a burrito.
The vast majority of EFX's profits come from services that consumers (effectively) don't choose to participate in.
The vast majority of EFX's profits come from services that consumers (effectively) don't choose to participate in.
I'm not suggesting that's right, but it is how it is.
The only one I can think of would be consumers refusing to open bank accounts or credit cards with them because they run Equifax checks, which seems improbable.