{"id":27741,"date":"2023-12-09T19:04:07","date_gmt":"2023-12-09T19:04:07","guid":{"rendered":"https:\/\/www.2b-advice.com\/?post_type=post&p=27741"},"modified":"2024-05-25T14:54:42","modified_gmt":"2024-05-25T14:54:42","slug":"jugement-schufa-sur-les-informations-sur-le-credit","status":"publish","type":"post","link":"https:\/\/2b-advice.com\/fr\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/","title":{"rendered":"Jugement Schufa sur les informations de cr\u00e9dit"},"content":{"rendered":"
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Arr\u00eat de la Cour de justice de l'UE sur la refonte du stockage des donn\u00e9es et l'\u00e9valuation automatis\u00e9e du cr\u00e9dit : cons\u00e9quences pour les \u00e9tablissements de cr\u00e9dit dans le cadre du RGPD<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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La Cour de justice des Communaut\u00e9s europ\u00e9ennes (CJCE) a statu\u00e9 dans une affaire concernant Schufa et le Protection des donn\u00e9es<\/a> a d\u00e9cid\u00e9 que la production automatis\u00e9e d'\u00e9valuations de cr\u00e9dit par Schufa \u00e9tait contraire au droit de l'UE si elle \u00e9tait utilis\u00e9e comme base d\u00e9terminante pour les d\u00e9cisions de cr\u00e9dit.<\/span><\/p>\n

En outre, les agences d'\u00e9valuation du cr\u00e9dit ne peuvent pas conserver les donn\u00e9es des registres publics, tels que les registres des tribunaux d'insolvabilit\u00e9, plus longtemps que le tribunal d'insolvabilit\u00e9 lui-m\u00eame. Cette d\u00e9cision pourrait avoir des r\u00e9percussions importantes sur le mod\u00e8le commercial des agences d'\u00e9valuation du cr\u00e9dit et leurs interfaces avec d'autres entreprises telles que les banques et les d\u00e9taillants, car elle affecte directement les pratiques des agences d'\u00e9valuation du cr\u00e9dit telles que Schufa. Il remet en question l'admissibilit\u00e9 de la production automatis\u00e9e d'\u00e9valuations de cr\u00e9dit et le stockage \u00e0 long terme des donn\u00e9es des registres publics. Cela pourrait signifier que Schufa et les entreprises similaires devront revoir leurs proc\u00e9dures de collecte et de traitement des donn\u00e9es afin de se conformer aux exigences du GDPR. Cela pourrait \u00e0 son tour avoir un impact sur les banques, les d\u00e9taillants et les autres entreprises qui utilisent ces donn\u00e9es.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Arr\u00eat de la Cour de justice de l'UE sur la refonte de la conservation des donn\u00e9es et l'\u00e9valuation automatis\u00e9e du cr\u00e9dit : cons\u00e9quences pour les \u00e9tablissements de cr\u00e9dit sous le RGPD La Cour de justice de l'UE (CJUE) a d\u00e9cid\u00e9, dans une affaire concernant Schufa et la protection des donn\u00e9es, que la production automatis\u00e9e d'\u00e9valuations de cr\u00e9dit par Schufa est contraire au droit de l'UE si elle est utilis\u00e9e comme base d\u00e9terminante pour les d\u00e9cisions de cr\u00e9dit. En outre, les agences d'\u00e9valuation du cr\u00e9dit ne peuvent plus utiliser les donn\u00e9es des registres publics, tels que les registres des tribunaux d'insolvabilit\u00e9 ...<\/p>","protected":false},"author":1,"featured_media":27743,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-27741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-datenschutz-unternehmen"],"yoast_head":"\nSchufa Urteil zur Kreditausk\u00fcnften<\/title>\n<meta name=\"description\" content=\"EuGH: Schufas automatisierte Kreditbewertungen versto\u00dfen gegen EU-Recht, wenn sie f\u00fcr Kreditentscheidungen ma\u00dfgeblich sind.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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