i understand what you are saying and agree the intent of the act was to disclose information lenders are obtaining and or using.
but how could you sue for not disclosing all scores if they were not used in pricing and or fees? if the only score used was the middle score? its not the lenders requirement it is freddies or fannies requirement.
Im new to compliance but agree, the problem is i have others with 20 plus years experience not agreeing, and with no additional guidance im losing the discussion.

I fully agree ....... If you get a credit score, the assumption is...you used it! If you obtain all three, then make the disclosure for all three and be done with it.