Not an atty, but I would imagine that any reasonable judge would consider the notion that an agreement that was never signed or even presented to the other party would qualify as bogus. Also, my understanding is that there’s a lot of back and forth in the courts as to whether or not click thru agreements are even legit. Of course you don’t even have click thru w/ Equifax, which leads me to wonder if, when all is said and done on this, they will be forced to actually get formal agreement from their “customers”.
