What a great legal system...
It's not exactly news that with most "class action" settlelemnts, the people actually harmed get little or no recompensastion at all.
But this is taking the whole thing to a new level: The FTC allows the defendant to install arbitrary hurdles for any claimant, including bullying those who have suffered damage by that firm to buy even more of their services.
"Nice credit rating you have, there. Would be a shame if something happened to it..."
Effectively, a US federal agency is siding with the perpetrator, to keep the financial damage (to Equifax) as small as possible.
That level of corruption is amazing, even when you take the current government into account.