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Deliberation No 60_RECL49_2025 of 26 June 2025 of the National Data Protection Commission, in a plenary session, on complaint file No 7.091 lodged against the company [REDACTED] via IMI Article 61 procedure 296775
Having regard to Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (hereinafter: the 'GDPR');
Having regard to the Act of 1 August 2018 on the organisation of the National Data Protection Commission and the general data protection framework (hereinafter: the 'Law of 1 August 2018');
Having regard to the Rules of Procedure of the National Data Protection Commission adopted by Decision No 07AD/2024 of 23 February 2024 (hereinafter: the 'ROP');
Having regard to the Procedure for complaints before the National Data Protection Commission adopted on 16 October 2020 (hereinafter referred to as the 'Complaint Procedure before the CNPD');
Having regard to the following:
# I. Facts and procedure
1. In the framework of the European cooperation, as provided for in Chapter VII of Regulation (EU) 2016/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation or GDPR), the Supervisory Authority of Germany (Brandenburg) submitted to the National Data Protection Commission (hereinafter: "the CNPD") a complaint (national reference of the concerned authority: 136/20/2118) via IMI in accordance with Article 61 procedure - 296775.
2. The complaint was lodged against the controller [REDACTED] (hereafter [REDACTED]), who has its main establishment in Luxembourg. Under Article 56 GDPR, the CNPD is therefore competent to act as the lead supervisory authority.
3. The original IMI claim stated the following:
"The complainant states that he never registered for a [REDACTED] account. He says that he tried to use [REDACTED] for guest payments but was rejected and asked to choose a different way of payment. The complainant contacted [REDACTED] in order to find the reasons for the rejection but didn't receive a satisfying answer. In addition, he asked for his right of access whether or not personal data concerning him are being processed [REDACTED] only answered with the general categories of data it's
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CNPD
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Deliberation No 60_RECL49_2025 of 26 June 2025 of the National Data Protection Commission, in a plenary session, on complaint file No 7.091 lodged against the company [REDACTED] via IMI Article 61 procedure 296775
processing but didn't grant access to the personal data of the complainant that's being processed."
4. In essence, the complainant asks the CNPD to order the controller to comply with the complainant's access request.
5. The complaint is therefore based on Article 15 GDPR.
6. On the basis of this complaint and in accordance with Article 57(1)(f) GDPR, the CNPD requested [REDACTED] to take a position on the facts reported by the complainant and to provide a detailed description of the issue relating to the processing of the complainant's personal data, in particular with regard to his or her right of access.
7. The CNPD received the requested information within the deadlines set.
## II. In law
### 1. Applicable legal provisions
8. Article 77 GDPR provides that "without prejudice to any other administrative or judicial remedy, every data subject shall have the right to lodge a complaint with a supervisory authority, (...) if the data subject considers that the processing of personal data relating to him or her infringes this Regulation."
9. In accordance with Article 15 GDPR "The data subject shall have the right to obtain from the controller confirmation as to whether or not personal data concerning him or her are being processed, and, where that is the case, access to the personal data and the following information (...)";
10. Furthermore, in application of Article 12(2) GDPR "the controller shall facilitate the exercise of data subject rights under Articles 15 to 22". Recital 59 GDPR emphasises that "Modalities should be provided for facilitating the exercise of the data subject's rights under this Regulation, including mechanisms to request and, if applicable, obtain, free of charge, in particular, access to and rectification or erasure of personal data and the exercise of the right to object. The controller should also provide means for requests to be made electronically, especially where personal data are processed by electronic means."
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Deliberation No 60_RECL49_2025 of 26 June 2025 of the National Data Protection Commission, in a plenary session, on complaint file No 7.091 lodged against the company [REDACTED] via IMI Article 61 procedure 296775
11. Article 56(1) GDPR provides that “(...) the supervisory authority of the main establishment or of the single establishment of the controller or processor shall be competent to act as lead supervisory authority for the cross-border processing carried out by that controller or processor in accordance with the procedure provided in Article 60”;
12. According to Article 60(1) GDPR, "The lead supervisory authority shall cooperate with the other supervisory authorities concerned in accordance with this Article in an endeavour to reach consensus. The lead supervisory authority and the supervisory authorities concerned shall exchange all relevant information with each other";
13. According to Article 60(3) GDPR, "The lead supervisory authority shall, without delay, communicate the relevant information on the matter to the other supervisory authorities concerned. It shall without delay submit a draft decision to the other supervisory authorities concerned for their opinion and take due account of their views";
## 2. In the present case
14. [REDACTED] is authorised as a Bank in Luxembourg pursuant to the Luxembourg Act of 5 April 1993 on the financial sector, as amended. It is subject to the regulatory framework applicable to banks and supervised by the competent national supervisory authority Commission de Surveillance du Secteur Financier (CSSF). [REDACTED] is also subject to the obligation of professional secrecy set out in Article 41 of the aforementioned Act and shall keep secret all information entrusted to it in the context of its professional activity. The disclosure of such information is punishable, under Article 458 of the Luxembourg Penal Code.
15. The CNPD have requested that [REDACTED] address the following points:
- Provide further information regarding the background of the case.
- Provide further information why [REDACTED] did not provide a comprehensive response to the complainant's request of 6 October 2020, including the reason for the rejection of the [REDACTED] guest payments.
- Act on the Complainant's requests and provide the personal data and information requested or provide the CNPD with the reasons that would justify not acting on the requests.
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Deliberation No 60_RECL49_2025 of 26 June 2025 of the National Data Protection Commission, in a plenary session, on complaint file No 7.091 lodged against the company [REDACTED] via IMI Article 61 procedure 296775
- Provide evidence of the response sent to the Complainant.
16. Following the intervention of the Luxembourg supervisory authority, the controller confirmed that:
- The complainant was indeed the victim of identity theft in 2019 which led to a third party creating a [REDACTED] account using the name of the complainant and his email address. A negative balance was incurred on this account, which led to the complainant's name and email address then being shared with a third-party collections agency to recover the debt. [REDACTED] was subsequently alerted to the fraudulent creation of the account and took appropriate action to restrict its functionality and recall collection efforts.
- [REDACTED] confirmed that the personal data associated with the fraudulent account has been erased by the outside collections' agency. [REDACTED] retains minimal data, in this case only the name of the complainant, to prevent any such future fraud occurring. The complainant's email address is no longer associated with the account created by the bad actor.
- [REDACTED] has also identified that the complainant did not hold a registered [REDACTED] account but had previously attempted purchases using [REDACTED] without a [REDACTED] account and while a direct debit mandate was created, the debit of funds was not successful from the bank account. The complainant has been able to complete payments using a credit card, but bank debit requests have not been completed due to declines from the bank. [REDACTED] is unable to provide specific details in these scenarios as the decision is made by the financial institution who rejects the debit request.
- [REDACTED] previously responded to a data access request made by the complainant. However, it appeared that specific details requested were not immediately provided. Therefore, the controller prepared an extensive data access request for the complainant and sent an email to the complainant on the 24th of August 2021 advising him of the actions [REDACTED] took to address his request and confirmed that his data has been erased by the outside collections' agency. A copy of this communication was shared with the CNPD.
### 3. Outcome of the case
17. The CNPD, in a plenary session, therefore considers that, at the end of the investigation of the present complaint, the controller has taken appropriate
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Deliberation No 60_RECL49_2025 of 26 June 2025 of the National Data Protection Commission, in a plenary session, on complaint file No 7.091 lodged against the company [REDACTED] via IMI Article 61 procedure 296775
measures to grant the complainant's right of access request, in accordance with Article 15 GDPR.
18. Thus, in the light of the foregoing, and the residual nature of the gravity of the alleged facts and the degree of impact on fundamental rights and freedoms, it does not appear necessary to continue to deal with that complaint. Moreover, the CNPD is of the view that the issue has been resolved in a satisfactory manner.
19. The CNPD then consulted the supervisory authority of Germany (Brandenburg), pursuant to Article 60(1), whether it agreed to close the case. The Supervisory Authority of Germany (Brandenburg) has responded affirmatively, so that the CNPD has therefore concluded that no further action was necessary and that the cross-border complaint could be closed.
In light of the above developments, the National Data Protection Commission, in a plenary session, after having deliberated, decides:
- To close the complaint file 7.091 upon completion of its investigation, in accordance with the Complaints Procedure before the CNPD and after obtaining the agreement of the concerned supervisory authority. As per Article 60(7) GDPR, the lead supervisory authority shall adopt and notify the decision to the main establishment or single establishment of the controller.
Belvaux, dated 26 June 2025
The National Data Protection Commission
Chair
Commissioner
Deputy Member
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CNPD
COMMISSION
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Deliberation No 60_RECL49_2025 of 26 June 2025 of the
National Data Protection Commission, in a plenary session, on
complaint file No 7.091 lodged against the company
via IMI Article 61 procedure 296775
## Indication of remedies
This Administrative Decision may be the subject of an appeal for amendment within three months of its notification. Such an action must be brought by the interested party before the administrative court and must be brought by a lawyer at the Court of one of the Bar Associations.
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