OLG München - 19 U 1468/25 e

Holding === Holding ====== Holding === The court dismissed the data subject’s appeal in full. The court noticed the parties that it intends to dismiss the data subject’s appeal in full. The court could not produce a declaration of illegality of credit scoring based on automated processing. It reasoned that the mere creation of a score does not constitute a legal decision under Article 22. Also, the rejections faced by the data subject were not exclusively, if at all, based on the credit scoring, but on other factors. Thus, there is no demonstrable link between the scoring and the rejections. For Article 22 to apply, three cumulative conditions have to apply:The court could not produce a declaration of illegality of credit scoring based on automated processing. It reasoned that the mere creation of a score does not constitute a legal decision under Article 22. Also, the rejections faced by the data subject were not exclusively, if at all, based on the credit scoring, but on other factor