OBLIGAŢIA DE INFORMARE ÎN CAZUL DATELOR NEGATIVE TRANSMISE BIROULUI DE CREDIT
THE OBLIGATION TO INFORM IN CASE OF NEGATIVE DATA SENT TO THE CREDIT BUREAU

Summary/Abstract: According to art. 1 of Decision no. 105 from 15 December 2007 regarding the processing of personal data performed in an evidence system of credit bureau type systems, decision issued by the President of the Romanian National Supervisory Authority for Personal Data Processing, personal data can be processed in credit bureau type filling systems, for the purpose of evaluating the solvability, reducing the risk of crediting and determining the level of debt, by respecting the legal provisions in the field of personal data protection, the financial-banking rules, and also the said decision. For a better understanding of this particular data processing and in particular the obligation to inform the data subject on negative data transmission, we have chosen to present a recent judicial decision which reversed the lower court's ruling and decided, among others, that it is necessary to inform the data subject before each reporting of the negative data to the Credit Bureau, whether the negative data are accrued from the same arrears or result from a new arrear.

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