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LDI NRW: Gui­de for debt coll­ec­tion companies

At the end of 2018, the North Rhi­ne-West­pha­lia Sta­te Com­mis­sio­ner for Data Pro­tec­tion and Free­dom of Infor­ma­ti­on (LDI NRW) issued a Gui­de to data pro­ce­s­sing in debt coll­ec­tion com­pa­nies published, not­ing, among other things,

  • that the dis­clo­sure of per­so­nal data by the cre­di­tor to a debt coll­ec­tion agen­cy is based on Art. 6 (1) f DSGVO (legi­ti­ma­te interests);
  • that a debt coll­ec­tion agen­cy may obtain cre­dit­wort­hi­ness infor­ma­ti­on from a cre­dit agen­cy on the same legal basis;
  • that a debt coll­ec­tion agen­cy may report unpaid receiv­a­bles to a cre­dit agen­cy, alt­hough Ger­ma­ny con­ti­nues to have its own regu­la­ti­on in this regard (§ Sec­tion 31 (2) BDSGThe regi­stra­ti­on pre­sup­po­ses that the exi­stence of the cla­im has been substantiated.)

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