Not only does the credit bureau max out their password length, you have a small list of available non-alphanumeric characters you can use, and no spaces. Also you cannot used a plused email address, and it had an issue with my self hosted email alias, forcing me to use my gmail address.
Both Experian and transunion had no password length limitations, nor did they require my username be my email address.
Update: I have been unable to log into my account for the last 3 days now. Every time I try I get a page saying to call customer service. After a total of 2 hours on hold I finally found the issue, you cannot connect to Equifax using a VPN. In addition there is no option for 2FA (not even email or sms) and they will hang up on you if you push the issue of their security being lax. Their reasoning for lax security and no vpn usage is "well all of our other customers are okay with this".
Just a quick tip: I've had good luck getting insurance through a broker. I have cheaper insurance through some B2B place that doesn't work directly with consumers with better coverage than if I went through some national brand that spends millions of dollars a month on advertising to consumers. The other benefit of a broker is now you have a third party who's incentivized to not only find you the best deal but also someone you can get advice from during a claim should anything seem off to you.
Thanks for the tip! I'll have to look into that.