Equifax security forces its users to change their passwords every month. If that is the case, then as part of your application logic, you need to ensure that you keep track of this date and change the password, as per the expectation of Equifax. This recipe talks about the password change service of Session Service to change a user password.
Note down your current password.
change_password_requestXML using the old password and the new password.
String xml = "<?xml version=\"1.0\" standalone=\"yes\"?>" + "<request>" + "<request_header session_token=\"22c06cf0-cfb4-11df-87da-0a884fe6aa77-76\" interface_version_no= \"1.0\" dtd_version_no=\"1.0\">" + "<client_reference>XXXX</client_reference>" ...