This provision requires that most disputes between users and Equifax be resolved through individual binding arbitration administered by the AAA, and prohibits participation in class actions or representative actions. Exceptions include FCRA claims against Equifax Information Services LLC, claims related to the 2017 cybersecurity incident, and claims eligible for small claims court.
This analysis describes what Equifax's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This clause establishes individual arbitration as the default dispute resolution mechanism for the broad category of claims defined in the agreement, including contract, tort, and statutory claims. The class action waiver applies immediately upon acceptance unless the user submits a timely written opt-out request, and the arbitration obligation survives termination of the agreement.
Under this provision, disputes between the user and Equifax proceed through individual binding arbitration rather than court, and participation in class or representative actions is waived upon acceptance of the agreement. The agreement requires users to mail a written opt-out notice to a specified P.O. Box in Atlanta within 30 days of first accepting the terms in order to preserve access to court-based and class dispute resolution.
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Compare across platforms →"Any Claim (as defined below) raised by either You or Equifax against the other shall be subject to mandatory, binding arbitration. As used in this arbitration provision, the term "Claim" or "Claims" means any claim, dispute, or controversy between You and Us relating in any way to Your relationship with Equifax, including but not limited to any Claim arising from or relating to this Agreement, the Products or this Site, or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory, regardless of what remedy is sought. Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis. By consenting to submit Your Claims to arbitration, You will be forfeiting Your right to bring or participate in any class action (whether as a named plaintiff or a class member) or to share in any class action awards, including class claims where a class has not yet been certified, even if the facts and circumstances upon which the Claims are based already occurred or existed.Excerpt from Equifax's Terms of Use
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This clause establishes individual arbitration as the default dispute resolution mechanism for the broad category of claims defined in the agreement, including contract, tort, and statutory claims. The class action waiver applies immediately upon acceptance unless the user submits a timely written opt-out request, and the arbitration obligation survives termination of the agreement.
Under this provision, disputes between the user and Equifax proceed through individual binding arbitration rather than court, and participation in class or representative actions is waived upon acceptance of the agreement. The agreement requires users to mail a written opt-out notice to a specified P.O. Box in Atlanta within 30 days of first accepting the terms in order to preserve …
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