It’s not just a breach you have to worry about. Credit agencies actively monetize your financial data by selling it to anyone who wants it. You didn’t give it to them, you didn’t authorize it, they collect it and they sell it.

https://www.equifax.com/business/marketing/

https://www.cnet.com/tech/services-and-software/ios-18-beta-delivers-rcs-messaging-heres-how-to-enable-it/

I think you misread that. This poster’s experience isn’t from 2016. They installed a program called “Outlook 2016” recently.