> From my reading of ToS it also apparently waives your right to be a part of a class action lawsuit against Equifax...
IIRC, there wasn't even a clickthrough and they framed it as "find out if you're affected." How could that be enforceable?
You'll probably get nothing of note anyway from class action given the scale of this breach. If you are truly impacted in some way, you'll be better off in small claims (or a full suit if it devastates you enough.)