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Legal- Opt out of CRA arbitration clause?

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Legal- Opt out of CRA arbitration clause?

This question is concerning the topic of opting of the CRA's arbitration clause. It is my understanding that a consumer should opt out of the CRA's arbitration clause, which is found under the terms and conditions page on their websites. I am however uncertain as to which scenarios that this is relevant to the consumer. When/why/how does a consumer you opt out, and where should the opt out request be sent? Should the consumer opt out when he/she enters into a PAID subscription service of the CRA? What if said subscription service is FREE?

 

Example 1:

February 10, 2018, a dispute/item verify letter was sent to Experian. February 19, 2018, consumer signs up online for EX's $4.99 credit monitoring program. Under the terms and agreements (in summary), EX has a clause requiring the consumer to enter into arbitration in lieu of court in the unlikely event that the consumer wishes to pursue legal damages over any and all issues. Could the clause have an impact on the aforementioned dispute example? IF SO, does the consumer have the right to opt out of the clause?

**Again, the February 10th dispute was NOT done online using EX's dispute tools.

 

Example 2: 

February 12, 2018, a dispute/item verify letter was sent to TransUnion. Prior to and after February 12th, consumer frequently checks T's FREE TrueIdentity website, and clicks on the update button to refresh consumer's credit report. Could the clause have an impact on the aforementioned dispute example? IF SO, does the consumer have the right to opt out of the clause? When/why/how does a consumer you opt out, and where should the opt out request be sent?

 

Example 3: 

February 14, 2018, a dispute/item verify letter was sent to Equifax. Prior to and after February 14th, consumer frequently checks EQ's FREE TrustedID website, and clicks on the update button to refresh consumer's credit report. Could the clause have an impact on the aforementioned dispute example? IF SO, does the consumer have the right to opt out of the clause? When/why/how does a consumer you opt out, and where should the opt out request be sent? 

 

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