{"id":1827,"date":"2024-01-29T09:11:07","date_gmt":"2024-01-29T08:11:07","guid":{"rendered":"https:\/\/blog.eprivacy.eu\/?p=1827"},"modified":"2024-01-29T09:11:07","modified_gmt":"2024-01-29T08:11:07","slug":"activities-of-credit-reference-agencies","status":"publish","type":"post","link":"https:\/\/blog.eprivacy.eu\/?p=1827","title":{"rendered":"Activities of credit reference agencies"},"content":{"rendered":"\n<p>On 7. December 2023 in the case C-634\/21 (<a href=\"https:\/\/t5baa4d95.emailsys1a.net\/c\/107\/7239718\/4225\/0\/19756748\/695\/476748\/c9a29e2741.html\">curia.europa.eu\/juris\/liste.jsf?language=de&amp;td=ALL&amp;num=C-634\/21<\/a>), the Court holds as regards<strong>\u00a0\u2018scoring\u2019<\/strong>, that it\u00a0<strong>must be regarded as<\/strong>\u00a0an<strong>\u00a0\u2018automated individual decision\u2019 prohibited in principle\u00a0<\/strong>by the GDPR,\u00a0<strong>in so far as SCHUFA\u2019s clients, such as banks, attribute to it a determining role in the granting of credit.<\/strong>\u00a0According to the Administrative Court of Wiesbaden, this is the case. It is for that court to assess whether the German Federal Law on data protection contains a valid exception to that prohibition in accordance with the GDPR. If this is the case, it will still have to check whether the general conditions laid down by the GDPR for data processing (such as Article\u00a05 and 6)\u00a0have been met.\u00a0<br>\u00a0<br>As regards information relating to the granting of a discharge from remaining debts, the Court considers in the joined cases C-26\/22 und C-64\/22 (<a href=\"https:\/\/t5baa4d95.emailsys1a.net\/c\/107\/7239718\/4225\/0\/19756748\/695\/476749\/9890f1d7e5.html\">curia.europa.eu\/juris\/liste.jsf?language=de&amp;td=ALL&amp;num=C-26\/22<\/a>), that it is contrary to the GDPR for private agencies to keep such data for longer than the public insolvency register.\u00a0(Extract from the ECJ&#8217;s press release).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On 7. December 2023 in the case C-634\/21 (curia.europa.eu\/juris\/liste.jsf?language=de&amp;td=ALL&amp;num=C-634\/21), the Court holds as regards\u00a0\u2018scoring\u2019, that it\u00a0must be regarded as\u00a0an\u00a0\u2018automated individual decision\u2019 prohibited<\/p>\n<p class=\"link-more\"><a class=\"myButt \" href=\"https:\/\/blog.eprivacy.eu\/?p=1827\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=\/wp\/v2\/posts\/1827"}],"collection":[{"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1827"}],"version-history":[{"count":1,"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=\/wp\/v2\/posts\/1827\/revisions"}],"predecessor-version":[{"id":1828,"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=\/wp\/v2\/posts\/1827\/revisions\/1828"}],"wp:attachment":[{"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.eprivacy.eu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}