Description: Creditworthiness Schufa scores in Germany reportedly privileged older and female consumers, and people who changed addresses less frequently, and were unreliable depending on scoring version.
Entities
View all entitiesAlleged: Schufa Holding AG developed and deployed an AI system, which harmed young men having credit scores , people scored on old scoring versions and people changing addresses frequently.
Incident Stats
Risk Subdomain
A further 23 subdomains create an accessible and understandable classification of hazards and harms associated with AI
1.1. Unfair discrimination and misrepresentation
Risk Domain
The Domain Taxonomy of AI Risks classifies risks into seven AI risk domains: (1) Discrimination & toxicity, (2) Privacy & security, (3) Misinformation, (4) Malicious actors & misuse, (5) Human-computer interaction, (6) Socioeconomic & environmental harms, and (7) AI system safety, failures & limitations.
- Discrimination and Toxicity
Entity
Which, if any, entity is presented as the main cause of the risk
AI
Timing
The stage in the AI lifecycle at which the risk is presented as occurring
Post-deployment
Intent
Whether the risk is presented as occurring as an expected or unexpected outcome from pursuing a goal
Unintentional
Incident Reports
Reports Timeline
It was supposed to be a road trip, two weeks in a rental car through the USA. But when Sven Drewert wants to increase his credit card limit for the holidays, he gets a surprise. The bank declined the increase. The reason: His rating at the …
Reporting about large-scale finance decisions is difficult for any journalist—but a team of German investigative reporters has crowdsourced a major investigative story revealing flaws in a closely guarded credit scoring algorithm.
Most citi…
Variants
A "variant" is an AI incident similar to a known case—it has the same causes, harms, and AI system. Instead of listing it separately, we group it under the first reported incident. Unlike other incidents, variants do not need to have been reported outside the AIID. Learn more from the research paper.
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