HCC 3030 · Week 5

Data, Privacy
& Contestability

What AI systems can learn about people, how that knowledge moves, and what meaningful power looks like after an automated decision.

Opening case

Your insurance premium rises because an AI system predicts a health risk you never disclosed.

grocery purchaseslocation patternssleep-device datasearch behavior
MODEL INFERENCE“Elevated health risk”

Premium increase

Was anything stolen?

Was consent meaningful?

What could you challenge?

The first misconception

A privacy failure can happen even when security works perfectly.

Encrypted in transit

No attacker entered the system.

Access controls worked

Only authorized employees and services used the data.

The use was still wrong

Data collected for one purpose shaped a decision people did not expect or accept.

Security asks whether use was authorized. Privacy also asks whether the authorized use was appropriate.
Two forms of human agency

Privacy governs information flows. Contestability governs institutional response.

PRIVACY

Before and during processing

Can people reasonably understand, influence, limit, or avoid how information about them is collected, inferred, used, retained, and shared?

CONTESTABILITY

When a system or decision is disputed

Can people see what happened, correct the record, present relevant evidence, obtain review, and receive a remedy?

The AI data lifecycle

A prediction is the middle of a much longer information system.

1Observe

People, devices, transactions

2Collect

Events, text, images, metadata

3Combine

Link sources and identities

4Infer

Scores, traits, relationships

5Act

Rank, recommend, flag, deny

retainreusesharefeed back
Not all personal data are typed into a form

AI systems assemble people from several kinds of data.

PROVIDED

Name, answers, uploaded files

OBSERVED

Clicks, movement, voice, device events

ACQUIRED

Broker, partner, or public-source data

DERIVED

Features, embeddings, clusters, summaries

INFERRED

Risk, preference, identity, relationship

GENERATED

Model outputs and synthetic profiles

The most consequential data may be created after collection.
AI changes the privacy question

The issue is not only what the system collected. It is what the system can infer.

purchase timestyping rhythmcommute routemusic choicessocial graph
AI
health statusfinancial stresswork routinepolitical interestrelationship changes
Low-sensitivity traces can become a high-sensitivity profile when combined.
Privacy as contextual integrity

Privacy depends on whether an information flow fits its context.

SENDERWho has the information?
ATTRIBUTEWhat is being shared?
RECIPIENTWho receives it?
TRANSMISSION PRINCIPLEUnder what condition, expectation, duty, or purpose does the flow occur?
The same datum can support very different flows

A sleep record changes meaning when the recipient changes.

SLEEP
RECORD
Cliniciantreatment under professional dutiesexpected
Wellness apppersonal feedback under product termsconditional
Employerproductivity or scheduling decisioncontested
Advertisertargeting based on vulnerabilityunexpected
Purpose limitation

Data collected to provide a service should not quietly become fuel for another business goal.

What was examined

Online counseling service

The FTC examined BetterHelp’s promises and its disclosures of email addresses, IP addresses, and health-questionnaire information.

What was found
$7.8M

The final order prohibited sharing health data for advertising and required deletion, consent, retention limits, and a privacy program.

What it does not prove

The order resolved allegations and does not establish that every health app follows the same practices. Health-app coverage also depends on the applicable law and entity.

Function creep

A useful data stream can acquire new purposes one small step at a time.

YEAR 1Building access

Open doors securely.

YEAR 2Attendance

Estimate who is on site.

YEAR 3Productivity

Compare time and movement.

YEAR 4Discipline

Trigger employment action.

Each expansion may sound reasonable in isolation. The system becomes something different in aggregate.
Empirical case · Platform surveillance

The FTC found extensive collection, retention, sharing, and weak minimization across major platforms.

What was examined
9 services

FTC compulsory-process orders examined major social-media and video-streaming companies and their data practices.

What was found

Vast surveillance

The report described broad collection on and off platforms, extensive monetization, long or indefinite retention, and inadequate protections for children and teens.

What it does not prove

The report describes the practices of the examined companies during the covered period. It is not a measurement of every platform or current product version.

The economy of personal data

Data create private value while pushing some costs onto other people.

Value to the firm

Better prediction

Targeting and personalization

Fraud detection

Product development

Market leverage

DATA
MARKET

Costs borne elsewhere

Loss of bargaining power

Manipulation or exclusion

Re-identification

Future use nobody anticipated

Risk to related people

Consent occurs under information asymmetry: people rarely know every collection path, future use, or consequence.
Current market evidence · Surveillance pricing

Personal data can shape not only which offer you see, but the price or promotion itself.

What was examined

FTC 6(b) market study

Initial staff analysis examined documents from pricing intermediaries using consumer characteristics and behavior.

What was found
250+ clients

Intermediaries worked with at least 250 clients. Inputs could include location, browsing, shopping history, cart behavior, and mouse movements.

What it does not prove

These were preliminary, aggregated findings. The FTC used hypothetical illustrations and did not determine that a particular company acted illegally.

A live 2026 development

California turned many broker opt-outs into one request.

JAN 1Consumers could submit one DROP request to active registered data brokers.
AUG 1Brokers were required to begin retrieving and processing deletion requests.

Deletion includes matched inferences.

Active brokers must check the platform at least every 45 days and report request status, subject to legal exemptions.

Start privacy analysis with a threat model

“Who might misuse the data?” has more than one answer.

PERSONAL
DATA +
INFERENCES
External attacker
Curious insider
Vendor or partner
Model user
State actor
Authorized institution
Privacy and security overlap, but they are not synonyms

Security protects the system. Privacy protects people from data processing.

SECURITY FAILURE

An unauthorized actor steals prompt logs.

A database is altered or disabled.

A credential exposes a model endpoint.

BOTH

PRIVACY FAILURE

An authorized team reuses prompts for an unrelated purpose.

A model infers a sensitive trait.

A correct profile is used to manipulate or exclude.

De-identification

Removing names reduces risk, but linkage can put identity back.

DIRECT IDENTIFIERS REMOVEDage · ZIP · dates · events · ratings

The dataset still contains patterns that may be rare.

+
SECOND DATA SOURCEpublic records · device data · purchases

An attacker or partner links overlapping attributes.

RE-IDENTIFICATION

A record becomes associated with a person again.

De-identification is a managed risk-reduction process, not a magic state.
Models create new privacy attack surfaces

An attacker may learn about training data without seeing the dataset.

MEMBERSHIP

Was this record used?

Infer whether a person or example was part of model training.

INVERSION

What did the model learn?

Use outputs or confidence to reconstruct sensitive features or prototypes.

EXTRACTION

Can the model repeat it?

Query the model until memorized training examples appear.

Empirical case · GPT-2 training-data extraction

Researchers recovered hundreds of verbatim training sequences by querying a language model.

What was examined

Black-box generation attack

Carlini and colleagues sampled GPT-2 outputs, ranked likely memorization, and verified matches against training data.

What was found
Hundreds

Recovered sequences included names, phone numbers, email addresses, code, chat logs, and UUIDs, even when a sequence appeared in one document.

What it does not prove

The attack targeted GPT-2 and a known training corpus. Extractability depends on model, data duplication, size, prompting, and access.

Empirical case · Production language models

Alignment reduced obvious leakage but did not eliminate memorization.

What was examined

Open, semi-open, and closed models

Nasr and colleagues scaled extraction attacks across Pythia, GPT-Neo, LLaMA, Falcon, and ChatGPT.

What was found
150×

A divergence attack made aligned ChatGPT emit training data at a rate 150 times higher than normal chatbot behavior in their experiment.

What it does not prove

This was an adversarial research setup from 2023. Providers, models, defenses, interfaces, and training data have changed.

Enterprise AI has several data stores

The model is only one place where sensitive information can persist.

USER INPUTprompts · files · images · audio
APPLICATIONsession state · identity · tools · agents
RETRIEVALdocuments · embeddings · access metadata
MODEL SERVICErequests · outputs · safety classifiers
OPERATIONSlogs · traces · feedback · analytics · support
Derived representations are still sensitive

Embeddings, summaries, and logs are not privacy-free substitutes for source data.

EMBEDDING

May preserve semantic attributes and enable similarity searches the user never anticipated.

SUMMARY

May turn uncertain or contextual text into a durable claim about a person.

LOG

May collect prompts, outputs, tool calls, identifiers, errors, and operational metadata.

FEEDBACK

May move production conversations into annotation or model-improvement workflows.

Three privacy engineering objectives

A privacy-preserving system should be understandable, manageable, and hard to link unnecessarily.

PREDICTABILITY

Can people and operators form reliable expectations?

Data practices behave as described across the lifecycle.

MANAGEABILITY

Can data and processing be changed?

Access, correct, delete, withdraw, restrict, and review.

DISASSOCIABILITY

Can processing avoid unnecessary identity linkage?

Use data without tying every operation to a person or device.

Control 1 · Reduce the data surface

The safest sensitive record is often the one the system never collected or already deleted.

Collect less

Remove fields, telemetry, precision, or history that the task does not need.

Keep it briefly

Set deletion schedules for prompts, raw files, logs, embeddings, and backups.

Process locally

Keep data on device or within a controlled boundary when central collection adds little value.

For each data element: what decision requires it, and for how long?
Control 2 · Constrain the flow

Separate data, identities, purposes, and authority.

IDENTITYKeep identity keys apart from analytic data where possible.
PURPOSEUse separate stores or pipelines for service, safety, analytics, and training.
ACCESSGrant the minimum role, record every access, and review unusual use.
OUTPUTLimit query detail, bulk export, confidence, and repeated probing.
Access control should follow the decision, not the organizational chart.
Control 3 · Privacy-enhancing technologies

Different technical tools protect against different disclosures.

DIFFERENTIAL PRIVACY

Add calibrated randomness so population statistics reveal less about any one person.

Best for aggregate analysis and some learning settings.
FEDERATED LEARNING

Move training toward devices or local data stores instead of centralizing raw records.

Updates can still leak without added protections.
SYNTHETIC DATA

Generate artificial records that resemble patterns in real data.

May preserve bias or memorize rare examples.
ENCRYPTED COMPUTATION

Compute while data are protected through specialized cryptographic techniques.

Can add cost, latency, and implementation complexity.
Technical controls have boundaries

Privacy risk is reduced, not wished away.

EncryptionProtects data from some observersbut not an authorized harmful use
De-identificationReduces direct linkagebut auxiliary data can restore identity
Federated learningLimits raw central collectionbut model updates can still disclose information
Differential privacyBounds individual contributionbut only under the stated implementation and privacy budget
Part II · Contestability

What happens when the data are wrong, the inference is disputed, or the decision should never have been automated?

An explanation is useful only if the institution can respond.

Explanation is not contestability

“Here is why” is different from “you can change what happens next.”

EXPLAIN

Describe the decision

Show the role of the system, relevant evidence, policy, uncertainty, or important factors.

Outcome may remain fixed.
CONTEST

Open the decision to dispute

Accept corrections and new evidence, route review, reconsider the decision, and provide remedy.

Institution must be responsive.
Five capabilities of a contestable system

People need more than a complaint box.

1NOTICEKnow that AI or data processing shaped the decision.
2ACCESSSee the relevant data, evidence, policy, and decision record.
3CORRECTFix inaccurate or mismatched information.
4CHALLENGEPresent reasons, context, and new evidence to a capable reviewer.
5REMEDYReceive a timely correction, reversal, explanation, or other repair.
Explanations have audiences

The right explanation depends on who must act.

DEVELOPER

Which component failed, shifted, leaked, or produced unstable behavior?

Needs diagnostics and traces.
OPERATOR

What evidence and uncertainty should guide this case?

Needs decision support and escalation.
AFFECTED PERSON

What mattered, what can I correct, and how do I challenge?

Needs reasons and a usable path.
AUDITOR

Does the system comply, discriminate, or produce unacceptable risk?

Needs records, tests, and authority.
Procedural requirement · Credit decisions

A lender cannot use model complexity as an excuse for vague denial reasons.

What was examined

CFPB guidance

The Bureau interpreted ECOA and Regulation B adverse-action requirements for creditors using complex algorithms and AI.

What was found

Specific principal reasons

Creditors must accurately identify the actual reasons for adverse action. A generic checklist or “the algorithm decided” is insufficient.

What it does not prove

The rule is sector-specific and does not require public disclosure of every model detail. It also does not guarantee that a consumer can easily reverse the result.

Empirical case · Face surveillance

Rite Aid’s system generated thousands of false matches, while customers often had no notice or meaningful challenge.

What was examined

Retail face-recognition deployment

The FTC complaint examined enrollment images, match alerts, employee actions, safeguards, and demographic patterns.

What was found
5-year ban

The proposed order barred face surveillance, required biometric deletion, and mandated stronger safeguards for future automated systems.

What it does not prove

The allegations and order concern Rite Aid’s deployment and period of use. They do not establish that every facial-recognition implementation produces the same harms.

Design the dispute pathway

A contestable workflow needs evidence, authority, and recovery.

1DECISION NOTICE

Action, system role, reasons, data sources

2CORRECTION

Fix data, identity mismatch, missing context

3REVIEW

Capable person with independent evidence

4REMEDY

Reverse, repair, notify, prevent recurrence

Case record · response deadline · accessible channel · no retaliation · appeal owner
A live 2026 rights landscape

European law connects data rights, human review, complaints, and explanations of significant AI decisions.

GDPR

Data-subject rights

Access and rectification

Information about processing

Safeguards around certain solely automated decisions

Human intervention and contestation in covered cases

EU AI ACT

Individual AI decision rights

Article 85: complaint to a market-surveillance authority

Article 86: clear and meaningful explanation of the AI system’s role and main decision elements in covered high-risk cases

General application began August 2, 2026, with phased exceptions

Rights remain fragmented across sectors and jurisdictions

The applicable right often depends on the decision, data, sector, and jurisdiction.

CREDITLenders must provide specific principal reasons for adverse actions
HEALTH APPSThe FTC Health Breach Notification Rule can cover apps outside HIPAA
DATA BROKERSCalifornia’s DROP turns deletion requests into operational infrastructure
EUROPEAN RIGHTSGDPR and AI Act protections are broader, but still depend on scope and conditions
Do not translate “legal somewhere” into “protected everywhere.”
Measure whether rights work in practice

A contestability dashboard should track people, not only tickets.

DISCOVERYCan affected people find the process?notice viewed · channel found
ACCESSCan they use it without specialist help?completion · abandonment · accessibility
QUALITYDoes review consider relevant evidence?corrections · reversals · repeated errors
SPEEDDoes the remedy arrive before harm becomes permanent?response and resolution time
EQUITYWho appeals, succeeds, waits, or gives up?outcomes by group and channel
Return to the opening case

A meaningful response requires more than revealing the model’s top factors.

PRIVACY RESPONSE

Identify every source and inference.

Test whether insurance use fits the collection purpose and context.

Limit retention, sharing, and future use.

CONTESTABILITY RESPONSE

Notify the person and provide the decisive reasons.

Allow data correction and relevant counter-evidence.

Route timely independent review with authority to reverse and repair.

The system is not accountable until someone can change the record, the decision, or the practice.
Six questions to keep

Before an AI system acts on personal data, ask:

1 What did the system collect, acquire, derive, and infer?

2 Does each information flow fit the context and stated purpose?

3 What could an authorized user, partner, attacker, or model user learn?

4 Which data and retention can be removed?

5 Can a person see and correct the evidence that mattered?

6 Can a challenge change the decision and repair the harm?

LIMIT
THE FLOW
ANSWER
THE CHALLENGE