It is known as Habeas Data to the legal Resource available to any individual that allows access to an information bank or data record that includes informative references about himself. The subject has right To demand that part or all of the data be corrected in the event that they generate any type of damage or that they are erroneous
Habeas Data has been regulated by the legislation of many nations and is also covered by personal data protection regulations. Argentina, Spain Y Uruguay, among other countries, have control bodies that supervise the management of said information of its citizens that are carried out by both private companies and public institutions.
The Habeas Data, therefore, supposes a warranty on the proper handling of personal information that is under the knowledge of third parties. This makes it possible to prevent abuses and correct inadvertent errors in the administration and publication of said data.
In other words, it is a right that all citizens protected at a jurisdictional level have to know, update and modify the information that is disclosed about your person in the different databases or files of public or private organizations.
This resource legal is usually very important when it comes to financial information. Habeas Data enables a person to know their own credit history and to know to whom this information has been provided. The subject can also demand that, once the expiration period of the information has expired, all negative details of his credit history be erased, to give an example of a situation that usually occurs in practice.
The Habeas Data resource has also been used by public figures such as models and actresses who demanded the removal of their names in search engines. Internet that linked said data to pornographic content.
A concept linked to that of Hábeas Data is that of Central risk; this is the name given to certain organisms that offer a service that collects information in a database about each of its clients, allowing access to the specific dissemination that is being made about them and being able to collaborate in their favor if data that is not truthful or any type of information that they are not circulating have authorized.
To the headquarters of risk Both legal and natural persons can join, and they are allowed not only to access all their information collected, but also to update or rectify any of the data present in the database of the risk center.
At the same time, it is worth mentioning that all the information related to the activity is reflected in the reports made by the credit bureaus. financial or commercial of the people involved and These reports must always be at your entire disposal.
Regarding the updating of the information found in the databases, we will give an example for a better understanding. If a debtor catches up with its delinquent obligation, the entity with which it has resolved said economic lag must inform the credit registry and this will automatically reflect the reality of the client; however, the above situation should not be cleared from the database.
In other words, credit bureaus have the obligation to maintain a report updated people, so that no customer is listed as delinquent if they have already caught up with their debts.