If the allegedly incorrect credit reporting had no measurable impact on a Plaintiff’s credit score then it begs the question, “where are the damages?” And, the only way allegedly incorrect (and likely derogatory) information would not have any measurable impact on a Plaintiff’s credit score is if there were other unrelated derogatory entries that were already causing a lower credit score.
There is also the issue of materiality when it comes to score impact. If someone’s credit score went from 550 to 540 because of an allegedly incorrect credit entry, what that really a material impact? If someone’s credit score went from 820 to 810 because of an allegedly incorrect credit entry, what that really a material impact? In neither case is a lender’s decision likely to change because of the difference in credit scores.