(As a quick note, I'm using ZFC for concreteness, but this property applies to any theory with an axiom schema that uses parameters.)
If we look specifically at the axiom schema of separation and the axiom schema of replacement, we can see that they quantify over formulas with parameters $\varphi(\cdots)$ and not merely formulas.
However, one of the main things you can do with a theory is check whether a given structure satisfies it, $A \models T$.
This makes me wonder we can meaningfully call ZFC something other than a theory, like a theory-valued function or a parameterized theory or something and instead write $A \models \text{ZFC}(A)$ where $\text{ZFC}(A)$ tracks the fact that the parameters used to spell out the axiomatization of $\text{ZFC}$ are taken from $A$. (This also opens the door to potentially fun stuff like comparing $\text{ZFC}(A)$ and $\text{ZFC}(\Omega_A)$ where $\Omega_A$ contains exactly the ordinals inside of $A$.)
As is mentioned in this comment by Noah Schweber, among other places, this doesn't really cause problems in practice. My question is specifically not about potential foundational circularity caused by having parameters; it's merely about what to call ZFC to distinguish it from other theories that don't "change" depending on which structure we're inspecting and whether it makes sense to ever make this distinction in practice.