{"id":35790,"date":"2026-08-24T08:30:00","date_gmt":"2026-08-24T06:30:00","guid":{"rendered":"https:\/\/kpw.law\/?p=35790"},"modified":"2026-08-24T11:01:03","modified_gmt":"2026-08-24T09:01:03","slug":"assignment-of-the-right-to-access-under-the-gdpr","status":"publish","type":"post","link":"https:\/\/kpw.law\/en\/assignment-of-the-right-to-access-under-the-gdpr\/","title":{"rendered":"Assignment of the Right to Access Under the GDPR"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull v4-pattern-hero v4-pattern-hero--post is-style-background-blend is-style-arrow has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-cover alignfull is-light v4-pattern-hero__cover\" style=\"padding-top:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);min-height:75vh;aspect-ratio:unset;\"><img data-dominant-color=\"9a539f\" data-has-transparency=\"false\" decoding=\"async\" sizes=\"100vw\" class=\"wp-block-cover__image-background wp-image-35788 size-full not-transparent\" alt=\"Abtretung des DSGVO-Auskunftsanspruch, Datenschutzrecht, Rechtsanwalt\" src=\"https:\/\/kpw.law\/wp-content\/uploads\/Abtretung-des-DSGVO-Auskunftsanspruch.avif\" style=\"--dominant-color: #9a539f; object-position:50% 76%\" data-object-fit=\"cover\" data-object-position=\"50% 76%\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-base-background-color has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div style=\"height:5em\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-97ba1214 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a6a2a725 wp-block-group-is-layout-constrained\">\r\n<h1 id=\"multirow-headline-block_39aaf63ffb90c551a0c00fcd2d94177c\" class=\"wp-block-visual4-multirow-headline\">\r\n    <div class=\"wp-block-visual4-multirow-headline\">\n\n<p class=\"has-gigantic-font-size wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">Assignment of the<\/p>\n\n\n\n<p class=\"has-text-align-left has-huge-font-size wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:15%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">right to access<\/p>\n\n\n\n<p class=\"has-contrast-color has-text-color has-link-color has-gigantic-font-size wp-elements-1 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\"><span class=\"v4-marker-highlight-background\">Under the GDPR<\/span>.<\/p>\n\n<\/div> \r\n<\/h1>\n\n\n<div class=\"wp-block-group has-small-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-878d3859 wp-block-group-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;padding-top:0;padding-bottom:0;font-style:italic;font-weight:300;text-transform:uppercase\"><div style=\"font-style:italic;font-weight:300;text-transform:uppercase\" class=\"wp-block-post-date has-small-font-size\"><time datetime=\"2026-08-24T08:30:00+02:00\">24. August 2026<\/time><\/div>\n\n\n<p class=\"wp-block-paragraph\">of<\/p>\n\n\n<div style=\"font-style:italic;font-weight:600\" class=\"wp-block-post-author-name\">Clemens Pfitzer<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3b99a472 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Does the right to access information under data protection law automatically transfer to a company that purchases claims from consumers? And does it help if this company, as an alternative, invokes a power of attorney to assert the claim in its own name?<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n<h2 id=\"h-eine-schweizer-gesellschaft-verlangt-auskunft-von-einer-krankenversicherung\" class=\"wp-block-heading\">A Swiss company is requesting information from a health insurance provider<\/h2>\n\n<p class=\"wp-block-paragraph\">The plaintiff in this case is a stock corporation based in Switzerland whose business model consists of having consumers assign their claims against their contractual partners to the company through the purchase of receivables, in order to subsequently assert those claims in its own name.  <\/p>\n\n<p class=\"wp-block-paragraph\">In 2021, the plaintiff entered into identical contracts with six policyholders. These policyholders held corresponding policies with the defendant, a provider of private health and long-term care insurance. In the plaintiff\u2019s view, the defendant had invalidly increased the premiums on multiple occasions in the past. The contracts between the plaintiff and the policyholders expressly distinguished between two types of claims. On the one hand, the policyholders assigned to the plaintiff \u201call claims for reimbursement and damages\u201d in connection with overpaid premiums. On the other hand, they merely authorized the plaintiff to assert all claims for information and data transfer necessary for enforcement, while only the claims for damages arising in the event of non-fulfillment of these claims were separately assigned. As a purely alternative measure, the policyholders also authorized the plaintiff to enforce the aforementioned claims in its own name.<\/p>\n\n<h2 class=\"wp-block-heading\">What the parties were disputing in court<\/h2>\n\n<p class=\"wp-block-paragraph\">On this contractual basis, the plaintiff initially requested information regarding the amount of premium revenue generated by the respective health insurance plans for the six policyholders for various years between 2010 and 2018. In bringing its action, the Swiss company proceeded by way of a staged lawsuit, meaning it first sought information in order to subsequently claim a specific amount. The aim was to establish that certain premium increases were invalid and to enforce a claim for payment, the exact amount of which was yet to be determined.<\/p>\n\n<p class=\"wp-block-paragraph\">The Regional Court dismissed the action for disclosure as unfounded and ruled that some of the additional claims were inadmissible. The Hamm Higher Regional Court upheld this ruling and dismissed the plaintiff\u2019s appeal. For the appeal to the Federal Court of Justice, the Hamm Higher Regional Court allowed only the question of whether the plaintiff is entitled to a <a href=\"https:\/\/kpw.law\/en\/topics\/was-sind-betroffenenrechte\/\">right to information<\/a> under the GDPR.<\/p>\n\n<h2 class=\"wp-block-heading\">The decision of the Federal Court of Justice<\/h2>\n\n<p class=\"wp-block-paragraph\">The Federal Court of Justice dismissed the plaintiff\u2019s appeal in <a href=\"https:\/\/openjur.de\/u\/2544634.html\">its ruling of February 24, 2026\u2014Case No. VI ZR 430\/24<\/a>. The Federal Court of Justice ultimately confirmed that the plaintiff has no right to information under the GDPR, neither by virtue of an assigned right nor by way of a so-called \u201cvoluntary representative action.\u201d This refers to a situation in which a person asserts another person\u2019s claim in court in their own name based on a power of attorney.<\/p>\n\n<h2 class=\"wp-block-heading\">Why the Right to Information Is Not Merely an Ancillary Right<\/h2>\n\n<p class=\"wp-block-paragraph\">A central argument of the Federal Court of Justice concerns the legal nature of the right to information itself. Under the German Civil Code, the assignment of a claim entails not only the transfer of the claim itself, but also certain ancillary rights necessary for its enforcement, such as classic claims to information and accounting. The plaintiff argued that the right to information under data protection law is such an ancillary right and therefore automatically passed to her along with the assigned claims for reimbursement and damages.<\/p>\n\n<p class=\"wp-block-paragraph\" id=\"h-uberschrift\">The Federal Court of Justice has rejected this view. The right to information under data protection law serves a different purpose than traditional ancillary rights, which are intended solely to determine the subject matter and amount of a principal claim.<\/p>\n\n<div class=\"wp-block-group v4-pattern-general-quote-box has-kpw-yellow-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--70);padding-left:var(--wp--preset--spacing--70)\">\n<p class=\"wp-block-paragraph\">The right under Article 15 of the GDPR was not established to enable the data subject to enforce a (primary) claim, but rather to ensure that the data subject is aware of the processing of their data and can verify its lawfulness.<\/p>\n<\/blockquote>\n<\/div>\n\n<p class=\"wp-block-paragraph\">In practice, this means that the purpose of the right to access\u2014namely, to provide the data subject with transparency regarding the processing of their own data\u2014cannot be achieved if an outside third party requests the information. In the Senate\u2019s view, the nature of the disclosure would be altered if the request were made not by the data subject themselves, but by a company not involved in the data processing.<\/p>\n\n<h2 class=\"wp-block-heading\">Why the Contract Wording Did Not Cover an Assignment<\/h2>\n\n<p class=\"wp-block-paragraph\">Regardless of this general consideration, the plaintiff\u2019s claim failed already on the basis of the specific interpretation of the contracts. The contracts expressly distinguished between the two types of claims mentioned. According to the wording, only the claims for reimbursement and damages were assigned. With regard to the claims for information and data transfer, however, the plaintiff was merely authorized to assert them.<\/p>\n\n<p class=\"wp-block-paragraph\">The appellate court had not made any findings of its own on this matter but had merely assumed that the rights to information had been assigned. The Federal Court of Justice therefore interpreted the contract itself and reached an unambiguous conclusion. According to the clear wording of the agreement, there is no apparent reason why the rights to information under data protection law should also be covered by the assignment, even though the contract elsewhere clearly and deliberately treats these rights differently from claims for reimbursement and damages.<\/p>\n\n<h2 class=\"wp-block-heading\">Nor did the power of attorney to act as a representative in litigation have any bearing on the matter.<\/h2>\n\n<p class=\"wp-block-paragraph\">Since an assignment was ruled out, the Federal Court of Justice examined, as an alternative, whether the plaintiff could in any event assert the right to information in her own name by way of a discretionary representative in litigation, based on the contractual power of attorney. The Senate rejected this as well. According to the structure of the agreement, the wording stating that the plaintiff had been authorized \u201cpurely as a matter of convenience\u201d to enforce claims in her own name referred exclusively to the assigned claims for reimbursement and damages. The concept of \u201cenforcement\u201d appeared in the contract only in connection with these claims, not in connection with the claims for information and data transfer.<\/p>\n\n<p class=\"wp-block-paragraph\">The Senate also pointed out an internal contradiction. It would be difficult to understand why, on the one hand, the plaintiff would be authorized to assert claims for information on behalf of another party, while, on the other hand, she would be authorized\u2014without any apparent prerequisite\u2014to assert the same claims once again in her own name. No condition under which this alternative authorization would apply could be inferred from the agreement.<\/p>\n\n<h2 class=\"wp-block-heading\">What does this mean in practice?<\/h2>\n\n<p class=\"wp-block-paragraph\">What is important is what the Federal Court of Justice expressly left open. The decision does not state that the right to access information under data protection law is, as a matter of principle, non-transferable. The Senate left this question open due to its irrelevance to the decision and merely noted that the Federal Administrative Court had ruled against transferability in another decision. Nor did the Federal Court of Justice rule that arbitrary standing to sue is generally precluded under <a href=\"https:\/\/kpw.law\/en\/fields-of-law\/data-protection-law\/\">data protection law<\/a>. The decision is based on the specific, narrowly worded contractual provisions in this particular case.<\/p>\n\n<p class=\"wp-block-paragraph\">For companies that themselves are the recipients of requests for information under assignment-based legal tech or debt collection models, the ruling thus provides a checklist, not a blank check. As we have already shown in an earlier post on <a href=\"https:\/\/kpw.law\/en\/limit-for-abusive-gdpr-requests\/\">abusive GDPR requests<\/a>, it is worth taking a close look at the claimant\u2019s standing before disclosing any information.  <\/p>\n\n<h2 id=\"h-fazit\" class=\"wp-block-heading\">Conclusion<\/h2>\n\n<div class=\"wp-block-columns v4-pattern-text-copy-half-col is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">A careful reading of the agreement made it quite clear that such a vaguely worded contractual clause would not hold up in court. Nevertheless, the ruling is a major setback for the plaintiff\u2019s specific business model because it simultaneously precludes two potential grounds for a claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This decision is particularly beneficial for companies that are subject to data protection-related requests for information from assignment companies. It provides them with an additional, court-confirmed line of defense.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fundamental question remains as to whether the right to access information under data protection law is assignable at all, and whether a representative action could be valid in data protection law in cases phrased differently.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80)\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide v4-pattern-cta-box has-secondary-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-0c8cea62 wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-top v4-pattern-cta-box__columns is-layout-flex wp-container-core-columns-is-layout-71c143ff wp-block-columns-is-layout-flex\" style=\"padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-column is-vertically-aligned-top v4-pattern-cta-box__columns-column is-layout-flow wp-container-core-column-is-layout-fb77afb0 wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:0;flex-basis:60%\">\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-right is-layout-constrained wp-container-core-group-is-layout-1931a79c wp-block-group-is-layout-constrained\">\r\n<div id=\"multirow-headline-block_4228fdba897a4daf4b425743aab5a602\" class=\"wp-block-visual4-multirow-headline alignwide\">\r\n    <div class=\"wp-block-visual4-multirow-headline\">\n\n<p class=\"has-text-align-left has-huge-font-size wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">We\u2019d be happy to<\/p>\n\n\n\n<p class=\"has-text-align-left has-x-large-font-size wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:8%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:0.9;text-transform:uppercase\">you on<\/p>\n\n\n\n<p class=\"has-text-align-left has-huge-font-size wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:0.9;text-transform:uppercase\">Data protection law!<\/p>\n\n<\/div> \r\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-9da75b5c wp-block-group-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\">\r\n\r\n<div class=\"wp-block-visual4-contact-modal__button\">\r\n            \r\n        <div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\r\n            \r\n\r\n<div class=\"wp-block-button v4-contact-modal-button is-style-fill\" style=\"font-style:normal;font-weight:600\" data-form-id=\"8\"><a class=\"wp-block-button__link has-contrast-color has-base-background-color has-text-color has-background has-link-color wp-element-button\">Contact Form<\/a><\/div>\r\n\r\n        <\/div>\r\n        \r\n    <\/div>\n\n\n<div class=\"wp-block-buttons is-style-mobile-only is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-a768b15a wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-arrow is-style-fill\"><a class=\"wp-block-button__link has-base-background-color has-background wp-element-button\" href=\"tel:4971141019030\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50);font-style:normal;font-weight:600\">Call now!<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top v4-pattern-cta-box__columns-column v4-pattern-cta-box__columns-column--image is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<figure class=\"wp-block-image size-full v4-pattern-cta-box__columns-column__image\"><img decoding=\"async\" src=\"https:\/\/kpw.law\/wp-content\/themes\/kpw-law\/assets\/samples\/person-cropped.png\" alt=\"\" class=\"wp-image-23155\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Federal Court of Justice ruled that the right to access information under data protection law is not automatically transferred along with assigned claims.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4904],"tags":[6591,6330,5460,6590,5606,5085],"thema":[],"rechtsgebiet":[4940],"produkt":[],"class_list":["post-35790","post","type-post","status-publish","format-standard","hentry","category-general","tag-assignment","tag-datenschutz","tag-gdpr","tag-litigation-representation","tag-right-to-information","tag-right-to-information-under-data-protection-law","rechtsgebiet-data-protection-law"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Assignment of the Right to Access Under the GDPR<\/title>\n<meta name=\"description\" content=\"The Federal Court of Justice ruled that the right to information under data 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