Incidents gathered from public reporting around the world. Each one links to the articles it came from. None of it is a finding that anyone broke the law.
Reports people file about their own experience are not shown here and never will be without their agreement. Tell us what happened to you.
44 incidents closest to “Earnix Enterprise Rating Engine” · matched on meaning · public reporting
Job applicants were automatically screened out by AI, allegedly discriminating against older, minority, and disabled applicants.
1 source article · read the reporting →
The system screened out job applicants based on personality tests, video interviews, and cognitive assessments, affecting autistic, neurodivergent, and people of color.
1 source article · read the reporting →
Cigna, one of the largest health insurers, used an algorithm called PXDX to automatically deny medical claims. The system flagged mismatches between diagnoses and procedures, and company doctors signed off on denials in batches without reviewing patient files. One patient, Nick van Terheyden, was denied coverage for a $350 vitamin D test that his doctor had ordered. Former employees said the system saved Cigna billions of dollars but left patients with unexpected bills.
10 source articles · read the reporting →
Scammers used generative AI to create a fake clone of the brokerage firm Exante, including a replicated trading platform and AI-generated passports. They opened a real JPMorgan Chase bank account using a US address and tricked at least one US victim into transferring funds. Exante, which does not serve US clients, discovered the scam when the victim was registered on its real platform and reported the incident to the FBI, SEC, CFTC, and other authorities. The scammers remain unidentified, and the victim's funds have not been recovered.
2 source articles · read the reporting →
During the pandemic, insurers accelerated the use of AI and photo-based tools to estimate car repair costs. Body shop owners say the estimates are often inaccurate, missing hidden damage and leading to more time haggling over prices. The insurance industry acknowledges the technology is new and evolving, but repairers argue it cannot replace in-person inspections.
1 source article · read the reporting →
AI screening system determined which job applicants to advance to the next stage of recruitment.
1 source article · read the reporting →
In 2016, the municipality of Castricum, Netherlands, used an algorithm to set the WOZ value of a resident's home at €320,000, affecting their property tax. The resident challenged the valuation, arguing earthquake damage reduced the value, but the municipality could not explain how the algorithm arrived at the figure. On appeal, an Amsterdam court upheld the valuation, finding it reasonable based on comparable sales, but ordered the municipality to pay court costs for failing to provide an explanation as required by GDPR.
1 source article · read the reporting →
An investigation by SPIEGEL and BR Data reveals that Schufa's credit scoring algorithm often assigns poor risk scores to consumers with only positive credit information. One consumer, Sven Drewert, was denied a credit card limit increase despite having no negative entries. The algorithm uses limited data, and its secret formula can lead to arbitrary categorisations, affecting access to loans, phone contracts, and housing. The system's opacity and potential biases raise concerns about fairness and accountability.
2 source articles · read the reporting →
The Portland Water Bureau used a machine learning system in a randomised control trial to identify customers for its financial assistance programme. The system selected Columbia Sportswear CEO Tim Boyle, a billionaire and one of the city's largest residential water consumers, for a 40% water bill discount. Boyle declined the discount, stating it should go to someone who needs it. The bureau is testing whether the SERVUS algorithm can accurately identify customers' ability to pay.
1 source article · read the reporting →
The Competition Bureau of Canada is investigating allegations that major corporate landlords, including Dream Unlimited, used AI-powered software YieldStar to coordinate rent increases. Tenant advocacy groups filed over 100 complaints, claiming the software recommended above-market rents, exacerbating housing affordability. Some landlords have since halted use of YieldStar amid public backlash, while the investigation continues.
7 source articles · read the reporting →
Popular smartphone apps including Life360, MyRadar and GasBuddy reportedly shared users' location and motion data with Arity, an Allstate-owned company. Arity used the data to calculate driving scores that could be sold to car insurers to set rates. Users were said not to be clearly informed that their data would be used for insurance pricing. Life360 and Arity stated that users had to opt in and that no personally identifiable driving data was shared without consent.
2 source articles · read the reporting →
Payment services company Xsolla terminated 150 employees at its Perm, Russia office after a big data analysis of their activity in Jira, Confluence, Gmail, chats, and documents tagged them as unengaged and unproductive. CEO Aleksandr Agapitov sent an email to affected employees stating that Xsolla was not for them, sparking backlash. The company later held a press conference, explaining the layoffs were due to slowing growth, and offered affected employees medical insurance and severance pay equal to four to six months' salary.
4 source articles · read the reporting →
The Council of Europe Human Rights Commissioner reported that Estonia's social security system used AI to establish incapacity levels and remove benefits from elderly people without human involvement. The system allegedly made decisions automatically, leading to complaints from NGOs.
8 source articles · read the reporting →
Durham Constabulary developed the Harm Assessment Risk Tool (HART), a machine learning algorithm that assesses the recidivism risk of offenders. The tool uses 34 data categories including criminal history, age, gender and two types of postcode, one sourced from Experian's Mosaic marketing segmentation system. Big Brother Watch alleges that using such commercial consumer behaviour data to inform custody decisions risks prejudice and disproportionate targeting of deprived neighbourhoods. The force has stated it is refreshing the model with an aim to remove one of the postcode predictors.
9 source articles · read the reporting →
A study of mortgage lending from 2012-2018 found that Latinx and African-American borrowers were charged higher interest rates than white borrowers with similar credit risk. FinTech algorithms reduced the disparity by 40% but did not eliminate it. The discrimination costs minority borrowers an estimated $765 million per year in extra interest.
10 source articles · read the reporting →
RealPage's YieldStar algorithm uses private competitor data to recommend rent increases for apartment units. Landlords adopt up to 90% of the suggestions, leading to higher rents for tenants. Critics allege the software may facilitate indirect price-fixing in violation of antitrust law. The company denies wrongdoing and says the software helps eliminate collusion.
10 source articles · read the reporting →
A class action lawsuit alleges that UDR, Inc. used RealPage's YieldStar algorithmic pricing software to set rental rates and occupancy levels for its San Diego properties, in violation of a local ordinance. The suit claims the software relied on nonpublic competitor data, contributing to inflated rents and making housing less affordable. The lawsuit, filed in July 2026, seeks to represent all affected tenants. UDR has previously acknowledged using YieldStar as one tool among others in its decision-making.
1 source article · read the reporting →
The US Equal Employment Opportunity Commission (EEOC) alleges that tutoring provider iTutorGroup programmed its recruitment software automatically to reject female applicants aged 55 or older and male applicants aged 60 or older. More than 200 qualified US-based applicants were denied work in 2020. The EEOC has filed a lawsuit in the Eastern District of New York seeking back pay and damages.
10 source articles · read the reporting →
The Educational Testing Service's E-rater algorithm, used to grade essays on the GRE and other standardized tests, has been found to systematically give higher scores to students from mainland China and lower scores to African American students compared to human graders. The bias stems from the algorithm's reliance on surface-level metrics like vocabulary and sentence length, which disadvantage certain groups. Despite studies dating back to 1999, the bias persists, and in many states, only a small percentage of essays are reviewed by humans.
10 source articles · read the reporting →
A seventh-grade student in the Los Angeles Unified School District received a failing grade on a history assignment graded by Edgenuity's automated scoring algorithm. With help from his mother, a history professor, he reverse-engineered the algorithm by writing a paragraph with relevant keywords and a jumble of words, earning a perfect score. The incident highlights concerns about the accuracy and fairness of automated grading systems in education.
10 source articles · read the reporting →
Allstate proposed an auto insurance rate adjustment plan in Maryland using a retention model algorithm that varied premium changes based on existing premiums. The algorithm would have increased rates up to 20% for customers already paying the highest premiums while capping increases at 5% for others, and would have denied meaningful discounts to thousands owed reductions. The Maryland Insurance Administration rejected the plan as discriminatory, but Allstate claims it was withdrawn and has continued proposing similar models elsewhere. The proposal never took effect in Maryland.
9 source articles · read the reporting →
A study by the Universities of Padua, Udine and Carnegie Mellon found that Italian car insurers, including Genertel, Mps, Quixa and Con.Te, use birthplace and citizenship in pricing algorithms, charging some drivers over €1,000 more. The practice was ruled against in a 2018 decree involving Linear, but the study says it continues. The companies contacted denied or explained the findings.
8 source articles · read the reporting →
DeepScore, a Tokyo-based company, is marketing an app that uses facial and voice recognition to score people's trustworthiness for lenders and insurers in Japan, Indonesia, Vietnam and the Philippines. The company says the app can detect deception with 70 per cent accuracy, but researchers and privacy advocates say there is no reliable scientific basis for such judgments and warn of discrimination and privacy harms. The chief executive said the system is only one part of lenders' and insurers' decision-making and that people can choose not to use it. Critics respond that an unequal balance of power makes consent difficult.
6 source articles · read the reporting →
Dozens of hospitals across the US are using Epic's deterioration index AI system to predict which Covid-19 patients will become critically ill, despite the tool not being validated for the new disease. The rapid deployment during the pandemic bypassed normal testing and validation processes.
9 source articles · read the reporting →
