Date of final decision: 21 September 2021
Cross-border case or national case: National case
Controller: Ultra-Technology AS
Legal Reference: Lawfulness of processing (Article 6), Responsibility of the controller (Article 24)
Decision: Infringement declared and fine imposed, Order to comply
Key words: credit rating, legal basis
Summary of the Decision
Origin of the case
The background to the fine is a complaint from a private individual who has undergone a credit assessment without any form of customer relationship or other connection to the company Ultra-Technology AS.
Upon investigating this matter, The Norwegian Data Protection Authority have concluded that the credit rating was performed without a legal basis, in violation of the requirements of the General Data Protection Regulation. The undertaking did not have a legitimate interest in performing a credit rating.
The General Data Protection Regulation requires all processing of personal data to have a legal basis. Credit information is a type of personal data that is especially worthy of protection.
The Norwegian Data Protection Authority has fined Ultra-Technology AS EUR 12,500 for performing a credit rating on a private individual without any legal basis. The company was also ordered to prepare written routines for credit ratings in accordance with Article 24.
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