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1. The plaintiff's appeal is dismissed.
2. The costs of appeal shall be borne by the Plaintiff.
The purport of the claim and appeal is the purport of the appeal.
Reasons
1. The Plaintiff asserted that: (a) around 2010, the Plaintiff received a loan from C Cooperatives; (b) and (c) on January 28, 2013, the Plaintiff paid the Defendant a full amount of KRW 5,847,448 of the principal and interest of loans.
However, the Defendant did not delete the details of the Plaintiff’s personal credit information registration from among the details of the Plaintiff’s personal credit information until November 7, 2018, the amount of five years and ten months after the date of repayment. Accordingly, the Plaintiff was at a disadvantage to obtain a high interest rate from capital, etc. without obtaining a low interest rate loan.
Therefore, the defendant is obligated to pay consolation money of KRW 14 million and delay damages for the amount of compensation for property damage (interest amount equivalent to a difference in interest rates) suffered by the plaintiff to the plaintiff, as well as KRW 5594,125, and mental suffering.
2. According to the overall purport of the statement and pleading by Gap evidence Nos. 1 through 8 (including branch numbers; hereinafter the same shall apply), Eul evidence Nos. 1, and Eul evidence, the plaintiff fully repaid the defendant's loans to the defendant on January 28, 2013, KRW 5,847,448 (hereinafter the "loan of this case"). However, it is recognized that the defendant deleted the above loan information on November 15, 2018 when the plaintiff asked the plaintiff about the loan of this case. The plaintiff received loans at an annual interest rate exceeding 20% from No. 2 financial rights, such as D and EF banks around December 2017, and around July 2018.
However, following circumstances that can be considered based on the above evidence and the purport of the entire argument, namely, the overdue registration of the loan of this case among the Plaintiff’s credit information content appears to have been deleted on July 20, 2012, and only the loan information remains without being deleted. The amount of arrears and balance in the above loan information are written at zero won, and the use of credit information and the use of credit information.