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 “FRISS Risk Assessment at Underwriting” · matched on meaning · public reporting
AI generated false legal citations that were submitted in court, affecting the plaintiff in an insurance dispute.
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 →
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 →
The city of Rotterdam deployed a machine learning algorithm built by Accenture to flag welfare recipients for fraud investigation. The system used personal data including gender, language, and subjective caseworker notes to generate risk scores, leading to investigations that disproportionately targeted women and migrants. An external review found the algorithm discriminatory and inaccurate, prompting the city to suspend its use in 2021. The system's opacity made it nearly impossible for those flagged to challenge the decisions.
6 source articles · 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 U.S. Department of Justice's Pattern risk assessment algorithm, used to determine federal prisoners' eligibility for early release under the First Step Act, was found to produce racial disparities. A December 2021 DOJ report revealed that the tool overpredicted recidivism risk for Black, Hispanic, and Asian inmates, with only 7% of Black prisoners classified as minimum risk compared to 21% of white prisoners. Civil rights groups have called for the suspension of the tool, while the DOJ is working on an overhaul and reevaluating 14,000 prisoners who were misclassified.
1 source article · read the reporting →
The Markup found that several universities, including UMass Amherst, UW–Milwaukee, and Texas A&M, use EAB's Navigate software which incorporates race as a predictor of student dropout risk. The algorithms label Black and Latinx students as high risk at disproportionately high rates compared to White students. Students, professors, and experts worry this is pushing minority students out of math and science majors through biased advising.
1 source article · read the reporting →
The Centers for Medicare & Medicaid Services (CMS) clarified that health insurers cannot use algorithms or AI to deny care to Medicare Advantage members. This follows lawsuits alleging UnitedHealth and Humana used an AI tool, nH Predict, to wrongfully deny post-acute care to elderly patients. The tool reportedly produced rigid estimates ignoring individual patient needs, leading to premature denials. CMS warned that non-compliance could result in penalties and increased audits.
10 source articles · read the reporting →
An independent report found that the Australian government's Vera-2R terrorism risk assessment tool included autism spectrum disorders as a risk factor without empirical evidence. The tool was used to assess terrorist offenders, influencing post-sentence orders including ongoing detention. Despite the critical report being received in May 2020, the federal and NSW governments continued to use the tool. The report concluded the tool was 'extremely poor' at predicting risk.
1 source article · 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 →
Amnesty International and coalition partners filed a complaint with the Council of State against CNAF's risk-scoring algorithm used to detect benefit overpayments. The algorithm assigns risk scores based on criteria that discriminate against vulnerable groups, including those with disabilities, single parents, and low-income households. The complaint alleges the system violates human rights to equality and privacy. The EU AI Act's social scoring ban may apply, but its definition remains unclear.
2 source articles · read the reporting →
The Austrian Public Employment Service (AMS) uses an algorithm to classify job seekers into categories A, B, and C, determining their access to benefits and training. Scientists from TU Wien, WU Wien, and University of Vienna have criticised the algorithm for lacking transparency, as only two of 96 model variants have been published. They allege that the system may discriminate against women and people with migration background, and that job seekers are not informed about how the algorithm works or given a chance to appeal.
10 source articles · read the reporting →
Amnesty International's report alleges that the Dutch police's Sensing predictive policing project in Roermond uses algorithms that result in automated discrimination and mass surveillance. The system assesses crime risk for individuals and locations, potentially targeting marginalized communities. The report calls for accountability and human rights safeguards.
10 source articles · read the reporting →
The Dutch government deployed the SyRI algorithm to profile welfare recipients in low-income neighborhoods, despite a 2020 court ruling that the system violated EU human rights. The algorithm flagged thousands of parents for fraud based on illegal risk factors such as dual nationality, leading to false accusations, bankruptcy, and trauma. The government has announced an external review of the practices.
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 →
In Loomis v. Wisconsin, a judge used a COMPAS risk score from Northpointe to sentence a defendant to a harsher punishment. The algorithm was kept secret as a trade secret, preventing the defendant from challenging its accuracy. The Wisconsin Supreme Court upheld the sentence, ruling that the score was only one part of the rationale. The case raises concerns about due process and the use of secret algorithms in criminal sentencing.
10 source articles · read the reporting →
Lemonade, an insurance firm, posted a tweet claiming it uses AI to detect non-verbal cues in customer videos to deny claims. After backlash comparing the practice to phrenology, the company deleted the tweet and denied using AI to deny claims based on facial characteristics. Lemonade stated it uses facial recognition only to flag claims submitted under different identities, which are then reviewed by human investigators.
10 source articles · read the reporting →
The Danish parliament passed a law in April 2019 that allows an algorithm to analyse personal data of all unemployed individuals to identify those at risk of long-term unemployment. The system uses data on ethnicity, age, health, and education history to produce a risk score for social workers. Critics, including legal experts and unemployment insurance funds, argue the profiling is stigmatising, lacks transparency, and may violate GDPR. The Danish Data Protection Authority has reopened its review of the law.
10 source articles · read the reporting →
ProPublica reports that UnitedHealth Group's Optum subsidiary used the ALERT algorithm to flag mental health patients and therapists as outliers, leading to therapy coverage denials. Regulators in California, Massachusetts and New York alleged this breached the federal Mental Health Parity and Addiction Equity Act, and UnitedHealth agreed to restrict the system in those jurisdictions. The company denies wrongdoing and says its programmes are compliant. Affected patients, including Medicaid enrollees, were left to pay out-of-pocket or go without care.
5 source articles · read the reporting →
