WASHINGTON, DC - OCTOBER 04:  Former Equifax CEO Richard Smith prepares to testify before the Senate Banking, Housing and Urban Affairs Committee in the Hart Senate Office Building on Capitol Hill October 4, 2017 in Washington, DC. Smith stepped down as CEO of Equifax last month after it was reported that hackers broke into the credit reporting agency and made off with the personal information of nearly 145 million Americans.  (Photo by Mark Wilson/Getty Images)