The collection agency must report each debtor with a negative report to Schufa. If you declare that there is no open claim, the credit agency may not enter anything or transfer the data to third parties.
to have collection agency Unsuccessful in collecting claims, they report this regularly “Payment interruption” to Schufa or others credit bureaus. This leads to a negative entry in Schufa, Which causes debtor problems in economic life.
The Frankenthal District Court ruled so collection agency debtor about see–message notification I must. responses that number If there is an open claim, the credit agency may do so No negative entry Manufacture. The debtor may request the collection agency to issue the negative report invalidate.
A woman from Rhine-Palatinate received a surprising mail from someone collection agency: You have been assigned to collect a claim of about €900 from it… It is a matter of arrears from an old rental dispute. I wrote that The claim is unfoundedBecause she didn’t owe her previous owner anything. After that, she heard nothing from the collection agency and thought the matter was settled.
Months later I discovered one Schufa passive entry to your person. Because of this her entry Credit card is prohibitedStop accepting credit card payments and refuse to open a checking account.
Frankenthal County Court now has that collection agency committed to a report From the interruption of payment to Schufa Withdraws. Because of this requirement, in the future There are no notifications take place. Before The transition From the data to the credit agency collection agency debtor Tells. If the supposed debtor Claim deniedmaybe at all No Schuf entry take place.
After, after General Data Protection Regulation be the Processing of personal data It is permitted only if it is necessary to protect legitimate interests and not basic rights and fundamental freedoms of the data subject injury. Therefore, anyone affected by these entries and disputes in the claim shall have the right to object in a timely manner to defend Add. The court confirmed that the debt collection company had violated this.
Frankenthal District Court, Decision of June 28, 2022, File No. 8 O 163/22