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At a previous place I worked, the company was not even aware this information was being shared with Equifax. The payroll provider would share this data by default unless it was explicitly turned off.

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This. It’s often ADP, Paychex, etc that is sharing the data. Did they get permission from the companies? I don’t know.

Thanks to this comment I searched for QuickBooks and Equifax. QuickBooks signed up their customers to automatically to share data with Equifax:

https://quickbooks.intuit.com/learn-support/en-us/employees-...

I just emailed Gusto to find out if they are sharing data with Equifax. I did not see a way to opt out in the employer or employee interface.

I work at a company using Gusto and Equifax did not have my data from my current employer, you should be ok.

Kudos to Gusto for not following the lead of less scrupulous payroll providers.

Gusto never responded. That is quite incriminating to me (you can't plea the 5th in the marketplace).

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