Under the laws of all states in this country, the purposeful reporting of false credit scores of a consumer by a creditor causing damages may very well subject the creditor to a legal action similar to a claim for defamation by the person who has been injured.With respect to the matter that you have written about, I suggest that you consult with a business attorney as to issues of liability, damages and costs to bring a legal action against the creditor who seemingly damaged your credit score on purpose.