$15/month for identify protection/tracking X 12 X 40 years.

You can't even dispute $15/month, since that's how much Equifax charges for their identity protection, so that must be how much it's worth since they caused these damages.

That makes it more like $7200 in damages, not including the cost of money over time, inflation, etc.

For anyone reading this: I believe it’s a one time $10 per credit bureau to freeze your credit. Equifax would obviously like to charge you more if you’re willing. Do not sign up for Equifax’s service. It is a rip-off for a number of reasons.

That exceeds the $$ limit for claims is many states.

I'm sure equifax would respond by offering you free credit monitoring for life (which costs them nothing to do)

Who said the hypothetical plaintiff was interested in _Equifax's_ credit monitoring services? They've already demonstrated they can't keep data safe.

future payments are usually discounted rather than inflated (IE money you have to pay now is more of a burden than money you have to pay in the future)

You could prove how much it will cost to buy service that will protect your identity for a period of time.

> that will protect your identity for a period of time

For the rest of your life