Rb. Amsterdam - ECLI:NL:RBAMS:2023:7218
| Rb. Amsterdam - ECLI:NL:RBAMS:2023:7218 | |
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| Court: | Rb. Amsterdam (Netherlands) |
| Jurisdiction: | Netherlands |
| Relevant Law: | Article 6(1)(f) GDPR |
| Decided: | 15.11.2023 |
| Published: | 01.12.2023 |
| Parties: | Rabobank |
| National Case Number/Name: | ECLI:NL:RBAMS:2023:7218 |
| European Case Law Identifier: | ECLI:NL:RBAMS:2023:7218 |
| Appeal from: | |
| Appeal to: | |
| Original Language(s): | Dutch |
| Original Source: | de Rechtspraak (in Dutch) |
| Initial Contributor: | n/a |
A Court refused to enforce a data subject's objection to processing (Article 21(1) GDPR), which requested that their negative registration be removed from the Netherlands' national Credit Information System, as the data subject had no overriding legitimate interest.
English Summary
Facts
Rabobank (the controller) provided a business loan of €86,000 to the data subject in 2008. In 2014, the controller terminated their financial relationship with the data subject, as the data subject was unable to meet payments on time and had exceeded their credit limit.
In 2015, the data subject negotiated a new payment plan with the controller, but they were unable to maintain this. In September 2022, the data subject reached a new agreement with the controller, where the data subject paid €27,375 to the controller and the controller wrote off the remaining debt. On 6 October 2022, the controller formally waived their remaining claim against the data subject and the data subject was negatively registered in the national Credit Information System (CKI). Under domestic law, the data subject's negative registration could only be removed after 5 years, on 6 October 2027.
On 6 February 2023 and 27 February 2023, the data subject requested the controller to remove his negative registration from the system so that he could purchase a commercial property. In response to both requests, the controller refused, noting that there were no compelling grounds to shorten the 5 year registration period.
Following the controller's refusals, the data subject filed a claim with the District Court of Amsterdam, requesting that his negative registration be removed. As part of this request, the data subject made an objection to the processing of his personal data under Article 21(1) GDPR.
Holding
f
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English Machine Translation of the Decision
The decision below is a machine translation of the Dutch original. Please refer to the Dutch original for more details.
