It's usually because legislation specifically blocks liability, as requested by the backers. By default you could sue a credit agency for reporting false information but they specifically got that exempted, similar to the way companies have managed to establish things like EULAs or binding arbitration as alternatives to the legal system.

All we need to do is restore the primacy of the legal system over suborned alternatives but that requires undercutting decades of successful marketing the idea that government is inevitably bad or corrupting which has been highly effective at convincing people not to expect better.