Canadian privacy & access decisions

An individual complained that a retail store inappropriately collected her personal information and disclosed it to a financial institution, and that the financial institution used and disclosed her information without consent. The complainant provided her information for a credit application but decided not to proceed, tearing up the contract. However, due to a salesperson's error, her information was entered into the system before her signature, leading to a credit card being issued. The financial institution apologized, removed inquiries from her credit file, and purged her information. The retail store implemented new procedures to ensure signatures are obtained before data entry. Both the complainant and the OPC were satisfied with the corrective actions.

• Whether the retail store inappropriately collected and disclosed personal information without consent
• Whether the financial institution used and disclosed personal information without consent
• Whether the salesperson followed proper procedure for credit applications