You don't think Equifax have lawyers? Of course they do, and they know that the clause exists. Just having the clause in the first place is a conspiracy to abuse consumers.
To believe that this clause is related to this matter is to require not merely mendacity (believable), not merely stupidity (believable), but an unbelievably precise combination of mendacity and stupidity that can only be read as constructing a rationalization for a pre-supposed conclusion.