La eliminación de las deudas obsoletas en el Registro de Datos Crediticios.

Abstract

This dissertation seeks to analyze objectively the application of the Right to be Forgotten specifically to credit information in the Credit Data Registry, from debts that, due the passage of time, have become obsolete. In order to accomplish this, it takes a historical look at the Credit Data Registry along with its purpose and the constitutional rights that support its establishment; we will next introduce the right to be forgotten and how it has been incorporated into national legislation. On the basis of the theoretical elements, the second chapter explores national regulations that govern obsolete debts, as well as the treatment given to personal data obtained from them. An analysis of the right to delete data that is obtained in the Organic Law on the Protection of Personal Data is made, along with a comparison with the current and applicable international law as well as with the case law concerning the issue, to conclude that its application is feasible against the data from debts expired by time, by virtue of the conservation principle that regulates them, making it clear that this does not imply in any case the elimination of the debt.