Abstract
This article deals with civil liability arising from the error of the creditor's action to register the consumer in the credit protection agencies unduly, the consequence comes when the consumer unexpectedly receives the news that his CPF (registration of individualsis) restricted, causing him embarrassment. Being taken to real consideration of objective civil liability which comes to deal with the violation of another person's right, which, to be proven, is independent of guilt.For example, Article 17 of the CDC (Consumer Law Code), brings the responsibility of the creditor to match the one who was harmfully affected, being the consumer. This article brings forward the victim who did not receive any good or service, but suffered some action, resulting in the consumer's right to moral damages. Moral damage is intended to indemnify the creditor,the one who caused embarrassment, pain, psychological shock or shame.Article 927 deals with the obligation of the person causing the damage to repairit. (Art.186 and 187).