Agency Convicting Them.
Q: Are there decisions regarding Equifax or any credit reporting agency convicting them of libel or any moral damage (else: how did they manage to survive Texas courts) ?
A: They have been apparently been sued for libel, but I don't have any citations handy right at the moment. Note that, for a statement to be libel, it must be false. And credit bureaus may have (or at least claim) the defense that they were just re-stating information that reporting creditors, collectors, etc. submitted to them, as they (the bureaus) are allowed to do under the Fair Credit Reporting Act, and thus try to blame the original false statement libel on the creditor, collector, or whoever reported it. If I recall correctly, a couple of years or so ago, the actor Tom Cruise sued a German magazine for publishing an article that said he was infertile. Cruise's libel claim was that this statement was allegedly *not* true, and had damaged his marketability as an actor. Other news publications then reported on the lawsuit, like, "That other magazine said Cruise is infertile, and he is suing in retaliation," which doesn't have nearly the same legal responsibility level. So a credit bureau might defend a libel claim with, "We didn't accuse him of defaulting on that debt. We just relayed the information that the creditor accused him of this."