17-year Veteran Losing My Home Because Equifax Is "verifying" A 180-day Delinquency On A $0.00 Balance.

Location: Texas

I am at my wit's end and need to vent/seek advice. I am a 17-year Air Force Veteran currently in the middle of a VA loan for my first home. I had a 3.99% rate locked in. Everything was moving forward until Equifax decided to tank my life.

They are reporting a 180-day delinquency for a Texas child support account. Here is the kicker: The balance is $0.00. I have the official Financial Activity Report (FINA12) from the Texas OAG proving I am current and have a $0 balance. I sent this to Equifax in a formal dispute on March 3rd. They "investigated" and sent back a letter saying they verified the delinquency as accurate.

How can I be 180 days late on a ZERO dollar balance? Even worse, under 1 Tex. Admin. Code § 55.102, the OAG is legally mandated to report parents on a payment plan as "zero months delinquent." Equifax is ignoring state law and their own math. Meanwhile, Experian isn't reporting this at all, which proves Equifax is just being lazy/negligent.

Because of this one "verified" lie, my lender can’t clear me for closing. I’m about to lose the house and my rate lock. If I have to re-lock today, the interest difference alone is going to cost me $300k over the life of the loan.

I feel like I’m screaming into a void. Has anyone successfully sued these people? I've reached out to a few Texas FCRA lawyers, but I'm terrified I'm going to lose this house before anyone moves.

TL;DR: 17yr Vet losing a house because Equifax claims I'm 6 months late on a $0 debt. They "verified" it even after I sent proof from the State.