When an alert is missing, or the bank cannot prove that it has been sent, the notified person can then request cancellation.

Before becoming a bad payer, someone who skips a loan installment has the right to receive an alert and a CRIF notification, which appears in the archives of Experian, CTC, and Assilea, only after 15 days from the delivery of the advance notice. These new privacy guidelines for information systems on the Guarantor's website remind us about this.

When an alert is missing, or the bank cannot prove that it has been sent, the notified person can then request cancellation. However, the outcome depends on whom the debtor is and where they are making their own reasons valid. The Arbitral Bank-Financial Body protects all natural persons, including sole proprietors and professionals.

The Cassation Court rules that illegality is limited solely to credit for consumption. For consumer loans, the new rules on credit for consumption add a second obligation. After the negative information is registered, the financier must notify the customer and indicate the rights they can exercise. In summary: the advance notice is provided by Article

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SOURCE SECTION: 5, comma 6, del Codice di condotta per i sistemi di informazioni creditizie, approvato in via definitiva dal Garante con il provvedimento n.324 del 6 ottobre 2022, e riguarda il primo ritardo; l'avviso è valido se inviato con PEC, con posta tracciata e certificazione della consegna oppure, se concordato con il cliente, con SMS, telefonata registrata o area riservata dell’home banking (Allegato 1 del Codice di condotta); un preavviso arrivato dopo la prima segnalazione salva solo le registrazioni successive alla ricezione (Arbitro Bancario Finanziario, Collegio di coordinamento, decisione n.4632 del 15 maggio 2023); i ritardi poi regolarizzati sono conservati nei SIC fino a 12 o 24 mesi, le morosità non regolarizzate fino a 36 mesi (Allegato 2 del Codice di condotta); le bollette di luce, gas e telefono non pagate non entrano nei SIC, che questi operatori possono soltanto consultare (FAQ)

The Privacy Protection Authority of October 23, 2026, point 4): Pre-Notification from CRIF: When and How It Takes Effect: According to Article 5, paragraph 6, of the Credit Information Systems Code, the financier notifies the customer about the imminent registration. Only data related to the delay can be made accessible to other participants after at least fifteen days have passed since dispatch. The FAQs published by the Privacy Guardian on October 23, 2026, summarize the rules of the Code. The Code applies not only to managers (CRIF, Experian, CTC, and Assilea) but also to banks and financial institutions that feed into the archives. The treatment is based on the legitimate interest of the financier, in accordance with Article 6, paragraph 1, letter f), of Regulation (EU) No 2016/679, and therefore does not require the customer's consent.