Dear President Trump's, Equifax has exposed the entirety of U.S. consumers and business to hackers and the executives waited to announce the breach until after selling off millions of their insider shares. A) they should be tried for insider trading B) those profits should be clawed back and used to mitigate damages C) we need to mandate that all three of the credit reporting agencies demonstrate a plan to completely overhaul their systems to a blockchain. Or similarly encrypted ledger for future data collection within 12 months. The ramifications near and long term can be devasting to our security and financial stability as a nation.