Credit Scoring: Negative credit rating generated without data

Credit Scoring noyb.eu 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 credit points to a debt-free electricity customer with a well-paid permanent job. This is astonishing as CRIF emphasised several times that it did not know the person concerned and did not have any data stored on him. The score was calculated out of nowhere. However, the consequence was very real: the electricity company refused to sign a contract with him. Download: German Complaint to the Austrian Data Protection Authority (PDF) Download: English Machine Translation of the Complaint (PDF) Like a magician with a rabbit, CRIF has conjured “creditworthiness” out of thin air. An electricity customer wanted to sign a new electricity contract. The energy supplier unexpectedly refused to sign the contract. The reason: his credit rating was too low - rather surprising given his income and profession, which should