Canadian Privacy Decisions

The Office of the Privacy Commissioner of Canada (OPC) investigated a complaint against an insurance company that collected and used an individual's credit score during an auto insurance claims assessment. The OPC found that the company did not have a legal basis to use credit scores for fraud detection in this context and did not obtain meaningful consent from the individual because they failed to clearly state that providing consent was optional. The company also lacked openness in its policies regarding credit score usage.

• Appropriateness of using credit scores for fraud detection in auto insurance claims assessment.
• Whether meaningful consent was obtained for the collection and use of credit score.
• Whether the insurance company over-collected personal information.
• The company's openness regarding its credit score collection and use policies.