200,000 Euro fine against ASNEF-EQUIFAX, SERVICIOS DE INFORMACIÓN SOBRE SOLVENCIA Y CRÉDITO
Credit agency refuses data deletion despite insolvency debt relief.

The Spanish data protection authority AEPD imposed a fine of EUR 200,000 on the credit reference agency ASNEF-EQUIFAX for breaches of the lawfulness of processing and the right to erasure. Following a complaint, it emerged that the credit agency was continuing to process personal data relating to a debt even though the person concerned had already been granted a final discharge of residual debt (BEPI). Despite multiple requests for data erasure and although the discharge of residual debt was entered in the public insolvency register, ASNEF-EQUIFAX made new data entries several times.