Most likely they use field Annual Income that you voluntarily provide to banks/cc companies when applying for a loan and that number is reported to Equifax. That number is verified by a lender by inspecting your W-2/paystubs when underwriting car/mortgage/other loan.
So you should never voluntarily provide income info to lenders, because every bit of that info will be sold to other companies and can be used against yiu in the future
Depends on your employer. Per https://www.fastcompany.com/40485634/equifax-salary-data-and...
> Surprisingly, Facebook is among friends. Every payroll period, Amazon, Microsoft, and Oracle also provide an electronic feed of their employees’ hourly work and wage information to Equifax. So do Wal-Mart, Twitter, AT&T, Harvard Law School, and the Commonwealth of Pennsylvania. Even Edward Snowden’s former employer, the sometimes secretive N.S.A. contractor Booz Allen Hamilton, sends salary and other personal data about its employees to Equifax Workplace Solutions.
I only learned about it recently. When I requested a report on my SSN, I saw every bi-weekly payment ever made to me
https://theworknumber.com/solutions/industries/pre-employmen...
> Talent Report™ Income and Employment Provides verification of employment plus verification of a candidate’s income
See for yourself - I flipped a 0 and an O on this image, can you tell where? https://imgur.com/a/3hcg3zH
I'm very skeptical of any news coming from either side currently.