Can I take action against false information in my Schufa entry?
June 19, 2024 | 40,00 EUR | answered by Anna Fuchs
Dear Lawyers,
My name is Dirk Meyer and I am reaching out to you with an urgent question regarding my Schufa entry. Recently, I have discovered that there are incorrect information noted in my Schufa entry which could negatively affect my creditworthiness. I have already tried to contact Schufa to have the incorrect information corrected, however, I was informed that this is not possible.
The incorrect information in my Schufa entry relates to an alleged outstanding debt with a company that I have never done business with. This debt is completely unknown to me and I am certain that it is a case of mistaken identity. These incorrect information have significantly impacted my creditworthiness and I am very concerned about my financial future.
My question to you is: Can I legally challenge the incorrect information in my Schufa entry? Are there ways to have this information corrected and restore my creditworthiness? I want to avoid any future financial disadvantages due to these errors.
I would be very grateful for your help and support.
Best regards,
Dirk Meyer
Dear Mr. Meyer,
Thank you for your inquiry regarding your Schufa entry. It is understandable that you are concerned about your financial future if incorrect information is affecting your creditworthiness. In general, it is possible to challenge and correct erroneous entries in the Schufa.
First of all, it is important to know that the Schufa is obligated to store correct and up-to-date data as a credit agency. If you find incorrect information in your Schufa entry, you have the right to have it corrected. You should first contact the Schufa in writing and explain which information you believe to be incorrect. It is advisable to attach all relevant documents that can prove your innocence regarding the alleged outstanding debt.
If the Schufa rejects your complaint or does not respond appropriately, you have the option to take legal action. You can hire a lawyer specialized in data protection and Schufa law to represent your interests. Your lawyer can help clarify the situation and, if necessary, file a lawsuit against the Schufa to obtain the correction of your data.
It is important to emphasize that you have the right to have incorrect entries in your Schufa data corrected. These incorrect information can significantly affect your creditworthiness and lead to financial disadvantages. Therefore, it is advisable to take action against these errors as soon as possible to protect your financial future.
I hope this information is helpful to you and wish you success in resolving your Schufa entry.
Best regards,
Anna Fuchs
