Noyb WIN: Austrian authority forbids unlawful credit scoring by KSV1870
4 hours ago
- #GDPR
- #Data Protection
- #Automated Decision-Making
- noyb won a complaint against KSV1870 and Unsere Wasserkraft for unlawful automated credit scoring.
- The Austrian Data Protection Authority (DSB) ruled KSV1870's fully automated credit rating unlawful and banned future checks without consent.
- Both companies were reprimanded for lack of transparency and must provide comprehensible explanations for their decisions.
- The GDPR prohibits fully automated decisions with significant consequences, with few exceptions.
- The CJEU previously ruled in 2023 that automated credit ratings like KSV1870's are unlawful unless explicit consent is given.
- DSB issued a processing ban on KSV1870 for violating automated decision-making prohibitions and transparency obligations.
- Unsere Wasserkraft was also reprimanded for non-transparent conduct in automated contract rejections.
- The DSB's decision is not final, and noyb expects appeals from the companies involved.