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  • CRIF case shows: Public registries are increasingly being misused

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    Credit Scoring
    A new noyb review involving more than 2,400 affected individuals shows that CRIF's biggest data sources access public registers such as the company and land registers.
    … Data extracted from public registers.  The credit agency CRIF obtains most of its address data from the address … made on behalf of the more than 2,400 participants in the CRIF project, we now know: the three address brokers … has sold a total of more than 7 million data records to CRIF. It is currently completely unclear where CRIF's …
  • Over 40,000 CRIF queries: Klarna, banks and telecoms entangled in CRIF network

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    Credit Scoring
    Following an initiative by noyb, more than 2,400 affected individuals have now received their data from the credit agency CRIF
    … (.zip) Data sources: Three major address publishers. CRIF's address data comes primarily from three address … for marketing purposes. Nevertheless, they end up at CRIF and form the basis for CRIF's credit rating. If the unlawful transfer of address … In order to gather further information on the practices of CRIF and its partner companies, noyb calls on all 2,440 …
  • CRIF has a ‘score’ for almost everyone in Austria. noyb needs support for a potential class action lawsuit

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    Credit Scoring
    noyb wants to scientifically examine CRIF's score and its significance – and potentially launch class action lawsuit. We need your help!
    … Frequently asked questions and answers Background: What is CRIF? CRIF is one of the two major credit agencies in Austria. The … to calculate a ‘creditworthiness score’. In other words, CRIF has built up a kind of national register in which … ‘data donations’. noyb wants to get to the bottom of CRIF's non-transparent and possibly illegal business …
  • List of Collective Redress Cases

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    … and EU law in relation to the processing. Planned n/a** AT CRIF GmbH and Partners n/a** n/a** Injunction and/or Redress https://crif.noyb.eu/   Injunction and/or redress in relation to the …
  • German DPA declares data trading between credit agency and address trader illegal

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    Credit Scoring
    noyb win in proceedings against the credit reference agency CRIF and the address trader Acxiom in Germany
    … Complaint against CRIF and Acxiom Background: Secret, illegal data trading. The credit reference agency CRIF constantly buys personal data such as the names, … authority (DPA), which is handling the proceedings against CRIF, has now followed this assessment: CRIF processed the …
  • noyb sues CRIF and AZ Direct for illegal and secret data processing

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    Credit Scoring
    noyb is suing for injunctive relief and damages, among other things.
    … Lawsuit against CRIF and AZ Direct (DE) Data protection violations as a … and gender of Austrians to the credit reference agency CRIF. This is illegal, as address publishers are only … this data for advertising purposes. In reality, however, CRIF uses the data to calculate people's (supposed) …
  • Address trader sues German DPA to prevent noyb from accessing files

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    Credit Scoring
    noyb asked the Hessian authority for access to the case file of the Acxiom complaint. The address trader filed an interim injunction against the authority
    … the address trader Acxiom and the credit reference agency CRIF in Germany. Although there is strong evidence that the … prevent any kind of access to the files. Complaint against CRIF and Acxiom (German) English auto-translation of the … illegal trade of personal data. The credit reference agency CRIF continuously buys the names, dates of birth and …
  • Credit agency CRIF systematically withholds data from consumers

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    Credit Scoring
    noyb's proceedings against credit reporting agency CRIF are draining a swamp of legal violations and cynical interpretation of the GDPR.
    … has a right to receive all data that credit bureaus like CRIF store within one month. However, CRIF's response fails to indicate the source of the data on … Chairman of noyb : " It is almost bizarre to what extent CRIF disregards the GDPR. At every turn, a new violation of …
  • noyb win at CJEU: Right of access may include documents and database extracts

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    The Court of Justice of the European Union ruled: the right of access is broad and can also include the provision of documents and database extracts.
    … under Article 15 of the GDPR to the credit reporting agency CRIF - which noyb has also successfully prosecuted for other data protection violations. CRIF responded to the data subject with a mere list of the …
  • Majority of credit bureau "CRIF" database illegal

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    Credit Scoring
    Decision by Austrian DPA in noyb case: Data of millions of Austrians have to be deleted
    … the core data (name, address, date of birth, gender) that CRIF uses to calculate questionable "creditworthiness … the entire resident population) unlawfully ended up at CRIF GmbH for credit agency purposes. noyb has filed a test … problems recorded and "scored". With the help of AZ Direct, CRIF has data of millions of Austrians, assignes everyone a …
  • Illegal credit scores: noyb to amplify pressure

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    Credit Scoring
    Diverting direct marketing data to assess creditworthiness is unlawful and needs to stop. noyb filed a complaint against CRIF Bürgel and Acxiom who have been engaging in such practices.
    … the address trader Acxiom and the credit reference agency CRIF Bürgel in Germany. Their illegal trade with personal … and credit reference agencies.  Download: Complaint against CRIF Bürgel and Acxiom (German) Download: English machine translation of the complaint (PDF) CRIF Bürgel uses data sets that were originally collected …
  • Data voodoo: credit ranking agency CRIF creates credit rating out of thin air

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    Credit Scoring
    After about a year, the Austrian Data Protection Authority (DPA) finally issued a decision on our first complaint against the credit ranking agency CRIF.
    … Data voodoo: Credit ranking agency CRIF creates creditworthiness out of thin air. Data … on our first complaint against the credit reporting agency CRIF . CRIF had attributed a negative credit rating to a data … on our first complaint against the credit ranking agency CRIF. …
  • Illegal data exchange between address publisher and credit ranking agency

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    Credit Scoring
    noyb filed a GDPR complaint against the credit ranking agency CRIF GmbH and the address publisher AZ Direct for illegally exchanging data.
    … filed a GDPR complaint against the credit ranking agency CRIF GmbH and the address publisher AZ Direct on March 18, … English machine translation of the complaint (PDF) CRIF and AZ Direct: GDPR violation as a common business … had submitted an access request under Article 15 GDPR to CRIF. CRIF stated that it had stored his name, date of birth …
  • Credit Scoring: Negative credit rating generated without data

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    Credit Scoring
    noyb files complaint against CRIF. "Pulling a name from a hat is fairer than these credit scores".
    … filed a GDPR complaint against the credit rating agency "CRIF", who is active in over 28 countries. CRIF assigned a "score" of exactly 446 out of 700 possible … with a well-paid permanent job. This is astonishing as CRIF emphasised several times that it did not know the …