To be fair, using Meta isn't exactly required, and they have no power over you if you don't use it. Experian will collect information about you as long as you take any credit ever, even if you never directly interact with them.
You’re fine if you say no. If you say you don’t have social media and they find you do, of course that’s fraud. But I know several couples off social who were asked, explained, and then showed photos off their camera roll and were fine.