The suggestion (in both the article and the parent) is that the platforms themselves are submitting URLs. For example, if I send a link in Discord[0] DM, it might show the recipient a message like “warning: this link is malicious”. How does it know that? It submitted the url to one of these services without your explicit consent.
[0] Discord is a hypothetical example. I don’t know if they have this feature. But an increasing number of platforms do.