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Emergency

Debt collection threatens a SCHUFA entry: when that is not permitted

Some debt collection agencies threaten a SCHUFA entry to build pressure. But a disputed claim generally may not simply be reported. A negative entry in principle requires that the claim is titled or that you have not disputed it and have not paid despite a reminder.

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Your chances of getting your money back

An open claim may generally only be reported to a credit agency if it is titled, or if you have not disputed it and have not paid after several reminders and were notified of the transmission. A disputed claim protects you.
If you object to the claim in writing and with reasons, it is disputed, and reporting it would then not be permitted. An entry made wrongfully has to be corrected.

What you should do now

  1. 1

    1. Check the claim

    Is the claim justified? Check the contract, the amount and the limitation period.

  2. 2

    2. Dispute it

    If it is unjustified, object in writing and with reasons. This disputes the claim and a SCHUFA report is generally not permitted.

  3. 3

    3. Reject the threat

    Reject the threat of an entry and point to the requirements for a permissible report.

  4. 4

    4. Correct the entry

    If it was reported anyway, demand deletion at the credit agency and file a complaint with the data protection authority.

How to spot the scam

  • A SCHUFA entry is threatened even though you disputed the claim.
  • The claim is not titled and you objected to it.
  • Pressure is applied with an allegedly 'immediate' report.

Frequently asked questions

May debt collection threaten a SCHUFA entry?

Threatening, yes, but reporting only under certain conditions. An open claim may generally only be reported if it is titled or remained undisputed, was reminded several times and the transmission was announced. A disputed claim in principle may not be reported.

How do I prevent an entry?

Object to an unjustified claim in writing and with reasons. This disputes it, and a report to the credit agency would not be permitted. Keep your objection and the proof of dispatch safe.

What if it was reported anyway?

Demand deletion of the impermissible entry at the credit agency (Art. 17 DSGVO) and file a complaint with the data protection authority. Where there are disadvantages, damages may be an option.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.