Still haven't figured out the profile on people who were affected
I wasn't affected and I checked for my mom and dad as well as they also weren't affected. We all have great credit scores, multiple credit cards, and a mortgage so it isn't like we don't use credit.
The only thing I can think of is that we haven't opened any new credit accounts for a few years - no new credit cards, car loans, mortgage refinances, etc. Maybe that kept us out of that list of 143 million people?
I agree with the IRS guy, I think it is virtually certain someone has stolen my personal information including SSN from somewhere already, and surely that's true of a lot of those affected by the Equifax breach. Most of us won't ever have identity theft issues because there's a limited market for identity theft. If there were tens of millions of cases of identity theft in a year, trying to manage that the current way would quickly become untenable.
At that point, companies would no longer issue credit without further proof I am who I say I am beyond my name, address, and SSN. They'd probably require appearing before a notary who could check my ID - ideally someone at my local bank branch who might even know me. While showing an ID, which can of course be faked, and appearing at my local bank branch doesn't guarantee someone there might know me, requiring personal appearance at all raises the bar and at least keeps foreign fraudsters out of the game. Those in the US who try to play would significantly increase their chances of being caught by showing up somewhere that has a lot of security cameras. Today it is almost impossible to get caught so it is a lot safer of a crime to commit.