There is/was a case in my district against CRAs and furnisher.
Plaintiff happens to be a lawyer.
Case was filed almost a year and half ago in state court, but OC and the 3 amigos removed to district (that's how I found it, while searching for removal to federal ).
In this case plaintiff had submitted credit reports (redacted ) showing discrepancies which were entered as exhibits.
Plaintiff had also, unsuccessfully disputed derogatory TL numerous times with OC and CRAs (via CMRR).
Funny thing is these communications/ disputes were written on law firm's letterhead ,but plaintiff still had to sue !
Case was still going back and forth in court, last I checked was a few weeks ago.
My intake was/is CR can be submitted as proof for willful non-compliance, probably and most definitely it's up to the judge to decide, but, unless submitted one will never know.