Changing credsStore to credStore simply disables that functionality, docker will then run without credentials.
/mnt/c/Program\ Files/Docker/Docker/resources/bin/docker-credential-desktop.exe list failed, complaining it couldn’t find docker-credential-wincred.exe in %PATH%. Docker Desktop 3.4.0 had just been installed fresh on Windows 10.
In this case a reboot solved the problem. Logging the user out and back in again might have done the same.