Is it your opinion as the Supreme Court that the facts are the same and thus the Equifax case can't be heard?

My opinion is that forced arbitration sucks and the FAA should be restored to it's original intention: A tool for large corporations on equal footing to do business with each other: not a tool to be used against individual consumers to provide impunity for damages inflicted on customers.

What the Supreme Court, unfortunately, has decided the "fact" is that you are correct - If you were covered in the forced arbitration clause, you would forfeit your right to civil action against Equifax in exhange for having your case heard by an "Arbitrator" that Equifax chooses. Have fun with that.