Datatilsynet (Norway) - 20/02172

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Datatilsynet - DT-20/02172
LogoNO.png
Authority: Datatilsynet (Norway)
Jurisdiction: Norway
Relevant Law: Article 6(1)(f) GDPR
Article 24 GDPR
Type: Complaint
Outcome: Rejected
Started:
Decided: 04.01.2021
Published: 06.01.2021
Fine: 100000 NOK
Parties: Lindstrand Trading AS
National Case Number/Name: DT-20/02172
European Case Law Identifier: n/a
Appeal: n/a
Original Language(s): Norwegian
Original Source: Datatilsynets (in NO)
Initial Contributor: Rie Aleksandra Walle

The Norwegian DPA (Datatilsynet) fined Lindstrand Trading AS NOK 100,000 (€9,700) for subjecting the complainant to multiple credit ratings without a legal basis under Article 6(1)(f) GDPR. The DPA also requires that the company implement internal controls of their credit rating process as per Article 24 GDPR.

English Summary

Facts

The general manager of Lindstrand Trading AS conducted multiple credit ratings of the complaintant and her sole proprietorship, despite having no customer relationship or any other affiliation with the company. The DPA noted that the general manager used the credit rating tool for personal purposes, completely outside of the company's area of business. Consequently, Lindstrand Trading did not have a legal basis for such processing as per Article 6(1)(f) GDPR.

Dispute

Did Lindstrand Trading AS have legal grounds for processing the personal data of the complaintant for a credit scoring, as per Article 6(1)(f) GDPR? And did they have sufficient internal controls for the use of credit scoring in their business?

Holding

No, Lindstrand Trading AS did not have legal grounds for processing the personal data of the complaintant for credit scorings, as per Article 6(1)(f) GDPR. For this offense, the company was fined NOK 100,000.

They also didn't have sufficient internal controls for the use of credit scoring in their business, as per Article 24 GDPR. For this offense, the company is required to establish corresponding internal controls and, within four weeks after the expiry of the appeal period, submit a written confirmation and actual documentation of the internal controls, to the DPA.

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English Machine Translation of the Decision

The decision below is a machine translation of the Norwegian original. Please refer to the Norwegian original for more details.

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Credit information is a type of personal information that is particularly important to protect.</p><p> - Since a credit assessment contains details about personal finances, one can experience the infringing when a company uses the information without law, says legal adviser Ole Martin Moe.</p><h2> Directly linked to the owner's personal finances</h2><p> Credit information about a sole proprietorship is also personal information, as the owner is directly identified with the company and this is directly linked to the owner's personal finances. This means that one must have a legal basis for assessing the creditworthiness of sole proprietorships.</p><p> A credit assessment is a compilation of personal information from many different sources, and estimates how likely it is that one person will be able to pay for it. A credit assessment will also show details from the personal finances of individuals, such as any payment remarks, debt ratio and whether the person in question has pledged anything.</p><p> <a href="/personvern-pa-ulike-omrader/kundehandtering-handel-og-medlemskap/kredittvurdering/">Read more about credit rating and privacy</a></p><h2> Seriously looking at this type of violation</h2><p> The Norwegian Data Protection Authority considers that the credit assessments have been made for private purposes completely outside the business's business area. On the basis of this, we have concluded that the credit assessments were carried out without the requirement for a legal basis in the Privacy Ordinance being met.</p><p> - We generally receive many complaints regarding credit ratings, and we see that many businesses do not know the rules well enough. We take this type of case seriously, and normally respond with a fee for such offenses, Moe concludes.</p><p> Lindstrand Trading AS has appealed the decision on the order and fee.</p><h2> download</h2><p class="link-download"> <a href="/contentassets/a5ac87c91d9f4835b2b7abfa5e907cf7/vedtak-om-overtredelsesgebyr-lindstrand-trading-as.pdf" target="_blank" rel="noopener">Decision on infringement fee to Lindstrand Trading AS (pdf)</a></p></div></div></div><aside class="article__sidebar"><h3> Contact person </h3><div><div><div class="person-contact-card"><div class="person-contact-card__inner"><div class="person-contact-card__image"><div class="profile-image"><div class="image-block Standard "><figure ><img alt="Ole Martin Moe" src="/globalassets/global/bilder/ansatte-dt/ole_martin_moe3.jpg?width=200&quality=80" /></figure></div></div></div><div class="person-contact-card__info"><div><h2 class="person-contact-card__info-name"> Ole Martin Moe</h2><p class="person-contact-card__info-title"> legal adviser</p></div><dl class="person-contact-card__info-list"><dt class="describe"> Office:</dt><dd class="define"> <a class="" href="tel:(+47)22396959">(+47) 22 39 69 59</a></dd><dt class="describe"> Email: </dt><dd class="define"><span data-e="AC92CD83908C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8CA6A1C3C282D8C9C2D5DFC0C5D8CDD8CDC8ECC1C1C38C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8C8CA6A1928EC3C282D8C9C2D5DFC0C5D8CDD8CDC8ECC1C1C396C3D8C0C5CDC18E91CAC9DEC48C8E8E91DFDFCDC0CF8CCD90"></span></dd></dl></div></div></div></div></div><div class="article__sidebar-dates"><div > <span>Published:</span> <span>06.01.2021</span> </div></div></aside></div></div></main><footer class="main-footer"><div class="main-footer__wrapper"><div class="main-footer__upper"><div class="main-footer__content container"><div class="main-footer__content-column desktop-only" aria-hidden="true"><img src="/UI/datatilsynetLogo.png" width="141" height="35" alt="The Data Inspectorate logo" class="main-footer__logo"></div><div class="main-footer__content-column"><p> The Data Inspectorate<br> PO Box 458 Center<br> 0105 Oslo</p><p> Org.nr 974 761 467</p><div class="user-content"><p> <a href="/om-datatilsynet/kontakt-oss/">Contact Us</a></p></div><div > <a href="https://ext.mnm.as/s/2751/9366">Receive our newsletter</a></div><div class="main-footer__social"><div class="main-footer__social--twitter" > <a href="https://twitter.com/datatilsynet">The Data Inspectorate on twitter</a></div></div><div class="main-footer__personvernpodden_logo"> <a href="/regelverk-og-verktoy/personvernpodden/"><img src="/UI/personvernpodden-logo.svg" alt="The Privacy Podcast - A podcast from the Danish Data Protection Agency"></a></div></div><div class="main-footer__content-column"><ul class="clean-link-list"><li> <a href="/aktuelt/">Currently</a></li><li> <a href="/regelverk-og-verktoy/ordliste/">Dictionary</a></li><li> <a href="/regelverk-og-verktoy/sporsmal-svar/">Frequently Asked Questions</a></li><li> <a href="/om-datatilsynet/datatilsynets-personvernerklaring/">The Data Inspectorate's privacy statement</a></li><li> <a href="/om-datatilsynet/datatilsynets-cookie-erklaring/">The Danish Data Protection Agency's cookie statement</a></li><li> <a href="#" id="_jsManageCookies">Manage cookies</a> </li></ul></div></div></div><div class="main-footer__lower"><div class="main-footer__sponsors container"><p> Other sites</p> <a href="/om-datatilsynet/Andre-nettsteder/Personvernbloggen/"><img alt="The Privacy Blog" src="/globalassets/global/bilder/logoer/footer/personvernbloggennb.png?width=400&quality=80" /></a> <a href="/om-datatilsynet/Andre-nettsteder/Du-bestmmer/"><img alt="You decide" src="/globalassets/global/bilder/logoer/footer/dubestemmernb.png?width=400&quality=80" /></a> <a href="/om-datatilsynet/Andre-nettsteder/Slett-meg/"><img alt="slettmeg.no" src="/globalassets/global/bilder/logoer/footer/slettmegnb.png?width=400&quality=80" /></a></div></div></div></footer></div><script src="/Scripts/libs/jquery/3.2.1.min.js"> </script><script src="/Scripts/libs/jquery/jquery-ui.min.js"> </script><script src="/Scripts/libs/svg4everybody.js"> </script><script src="/Scripts/libs/jquery.sticky-sidebar.min.js"> </script><script src="/Scripts/libs/vue.min.js"> </script><script src="/Scripts/global/common/jquery.aria.js"> </script><script> window.jQuery || document.write('<script src="/Scripts/libs/jquery/3.2.1.min.js"><\/script>') </script><script src="/Scripts/site.js?bundle=637432963380000000"></script><script src="/Scripts/global/common/jquery.unobtrusive-ajax.js" async defer></script><script>
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