Verbraucherschutz durch Datenschutz am Beispiel des Scorings und der personifizierten Preise

This dissertation provides a comprehensive analysis of scoring systems and personalized pricing in digital markets. It shows how credit agencies such as Schufa influence consumers’ participation in economic life through algorithmic evaluation methods. Based on an empirical study, the work reveals data practices, transparency deficits, and potential misclassifications. It then examines the legal compatibility of these systems under data protection, consumer, anti-discrimination, constitutional, civil, and unfair competition law. Finally, it identifies regulatory needs, highlights risks of automated decision-making, and offers concrete recommendations for effective consumer protection.