In order for it to be a willful intent to injure, they have to believe it's not you and report that is is in order to knowingly tarnish your reputation. General

In order for it to be a willful intent to injure, they have to believe it's not you and report that is is in order to knowingly tarnish your reputation. Generally if they publish bad data about you it's because the data they have is bad. It's not because out of all the accounts at JP Morgan Chase or Wells Fargo or wherever some faceless drone decided your faceless account needs to be specifically and maliciously lied about.