{"id":34183,"date":"2026-07-01T10:01:11","date_gmt":"2026-07-01T08:01:11","guid":{"rendered":"https:\/\/kpw.law\/?p=34183"},"modified":"2026-07-01T10:31:01","modified_gmt":"2026-07-01T08:31:01","slug":"negative-entry-with-consequences","status":"publish","type":"post","link":"https:\/\/kpw.law\/en\/negative-entry-with-consequences\/","title":{"rendered":"Negative Entry with Consequences"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull v4-pattern-hero v4-pattern-hero--post is-style-background-blend is-style-arrow has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-cover alignfull v4-pattern-hero__cover\" style=\"padding-top:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);min-height:75vh;aspect-ratio:unset;\"><img data-dominant-color=\"b439bb\" data-has-transparency=\"false\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" sizes=\"auto, 100vw\" class=\"wp-block-cover__image-background wp-image-34179 size-large not-transparent\" alt=\"Negativeintrag mit Folgen, Datenschutz, SCHUFA, Rechtsanwalt\" src=\"https:\/\/kpw.law\/wp-content\/uploads\/Negativeintrag-mit-Folgen-1024x576.jpg\" style=\"--dominant-color: #b439bb; object-position:50% 93%\" data-object-fit=\"cover\" data-object-position=\"50% 93%\" srcset=\"https:\/\/kpw.law\/wp-content\/uploads\/Negativeintrag-mit-Folgen-1024x576.jpg 1024w, https:\/\/kpw.law\/wp-content\/uploads\/Negativeintrag-mit-Folgen-300x169.jpg 300w, https:\/\/kpw.law\/wp-content\/uploads\/Negativeintrag-mit-Folgen-768x432.jpg 768w, https:\/\/kpw.law\/wp-content\/uploads\/Negativeintrag-mit-Folgen-1536x864.jpg 1536w, https:\/\/kpw.law\/wp-content\/uploads\/Negativeintrag-mit-Folgen-2048x1152.jpg 2048w\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-base-background-color has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div style=\"height:5em\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-97ba1214 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a6a2a725 wp-block-group-is-layout-constrained\">\r\n<h1 id=\"multirow-headline-block_6ae5f960f6d6068637398db9a8512f6d\" class=\"wp-block-visual4-multirow-headline\">\r\n    <div class=\"wp-block-visual4-multirow-headline\">\n\n<p class=\"has-gigantic-font-size wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">Negative entry  <\/p>\n\n\n\n<p class=\"has-text-align-left has-huge-font-size wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:15%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">with<\/p>\n\n\n\n<p class=\"has-contrast-color has-text-color has-link-color has-gigantic-font-size wp-elements-99585d4d47ddb9d5ea1c4f38b6aa85ce wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\"><span class=\"v4-marker-highlight-background\">Consequences<\/span>.<\/p>\n\n<\/div> \r\n<\/h1>\n\n\n<div class=\"wp-block-group has-small-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-878d3859 wp-block-group-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;padding-top:0;padding-bottom:0;font-style:italic;font-weight:300;text-transform:uppercase\"><div style=\"font-style:italic;font-weight:300;text-transform:uppercase\" class=\"wp-block-post-date has-small-font-size\"><time datetime=\"2026-07-01T10:01:11+02:00\">1. July 2026<\/time><\/div>\n\n\n<p class=\"wp-block-paragraph\">of<\/p>\n\n\n<div style=\"font-style:italic;font-weight:600\" class=\"wp-block-post-author-name\">Clemens Pfitzer<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3b99a472 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>To what extent must a debt collection agency verify a claim before reporting it? Why is simply withdrawing consent only a partial solution for the person affected? And does non-pecuniary damage even require a tangible impairment?  <\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n<h2 id=\"h-falsche-forderung-echter-schaden\" class=\"wp-block-heading\"><strong>False Claim, Real Damage<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Anyone who believes an invoice is excessive and makes this clear early on does not have to accept that the disputed amount will be reported to a credit bureau. The Federal Court of Justice ruled in favor of a consumer whose data had been reported to SCHUFA by a debt collection agency and, at the same time, awarded him damages. <\/p>\n\n<p class=\"wp-block-paragraph\" id=\"h-uberschrift\">The case dates back a long time. An electricity customer purchased energy in 2014, fell behind on his installment payments, and received a final bill for just over 529 euros after his service was terminated. He rejected the claim in writing as excessive and requested a corrected bill. However, the only response was a resubmission of the original, unamended bill. Years later, another collection agency took over the case and reported the debt to SCHUFA as a negative entry in 2021 and 2022. As a result, the customer\u2019s credit score deteriorated.     <\/p>\n\n<h2 id=\"h-warum-die-meldung-rechtswidrig-war\" class=\"wp-block-heading\">Why the report was unlawful<\/h2>\n\n<p class=\"wp-block-paragraph\">In the ruling of the  <a href=\"https:\/\/openjur.de\/u\/2550267.html\">Federal Court of Justice (BGH), May 12, 2026 &#8211; Case No. VI ZR 375\/24 <\/a>  The core issue was whether the transfer of this data was permissible at all. The decisive factor was a provision in <a href=\"https:\/\/kpw.law\/rechtsgebiet\/datenschutzrecht\/\" id=\"272\">the GDPR<\/a> that permits processing if it is necessary to safeguard legitimate interests and the interests of the data subject do not override those interests. <\/p>\n\n<p class=\"wp-block-paragraph\">In the court\u2019s view, credit reporting agencies generally pursue such legitimate interests because they are intended to enable lenders to make a reliable assessment of a debtor\u2019s ability to pay. However, it was precisely this reliability that was lacking in this case. The reported claim was not enforceable by court order, was disputed by the customer, and was not even presented in a way that made its composition clear. The final invoice mixed electricity charges with unexplained damages for non-performance, reminder and transfer fees, as well as late payment charges, some of which were offset against advance payments that had already been made. In the court\u2019s view, no reliable conclusions regarding solvency could be drawn from such data.    <\/p>\n\n<div class=\"wp-block-group v4-pattern-general-quote-box has-kpw-purple-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--70);padding-left:var(--wp--preset--spacing--70)\">\n<p class=\"wp-block-paragraph\">The data transfers at issue thus concerned a claim that had not been established by a court judgment, was disputed, and had not even been substantiated in its entirety; consequently, they were not suitable for enabling an objective and reliable assessment of creditworthiness [\u2026].<\/p>\n<\/blockquote>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Consequently, the transmission was not required and was therefore unlawful.<\/p>\n\n<h2 id=\"h-der-streit-ums-schmerzensgeld\" class=\"wp-block-heading\">The Dispute Over Compensation for Pain and Suffering<\/h2>\n\n<p class=\"wp-block-paragraph\">The second part of the ruling is also interesting. Although the appellate court had granted the withdrawal, it denied the claim for non-pecuniary damages. After all, the court reasoned, the low credit score was also based on other circumstances, such as a previous financial disclosure and insolvency proceedings.  <\/p>\n\n<p class=\"wp-block-paragraph\">The Federal Court of Justice considered this line of reasoning to be legally flawed. Non-pecuniary damages do not require a specific threshold of materiality. It is sufficient that the unlawful report impaired the economic reputation of the affected party, and that was the case here because the credit score was accessed and actually played a role in failed contract negotiations. Whether the report was the sole or the primary cause is now only relevant to the amount of damages. In addition, there is a separate harm resulting from the loss of control over the data, which had already been disclosed to third parties through SCHUFA inquiries. The withdrawal of the report does not compensate for this harm.     <\/p>\n\n<h2 id=\"h-fazit\" class=\"wp-block-heading\">Conclusion<\/h2>\n\n<div class=\"wp-block-columns v4-pattern-text-copy-half-col is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Anyone who disputes a claim early on and in a transparent manner is better protected against premature negative credit reports, and withdrawal alone does not eliminate the right to damages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It remains to be seen how much the damages will amount to in the future, as the Federal Court of Justice (BGH) judges have referred this question back to the lower court. Debt collection agencies must verify the plausibility of a claim before reporting it. The ruling leaves open the question of how thorough this review must be when the underlying documents originate from a third-party business relationship. It also remains unclear whether a loss of control that has no consequences in and of itself constitutes damages, since specific inquiries had already been made in this case.   <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80)\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide v4-pattern-cta-box has-secondary-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-0c8cea62 wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-top v4-pattern-cta-box__columns is-layout-flex wp-container-core-columns-is-layout-71c143ff wp-block-columns-is-layout-flex\" style=\"padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-column is-vertically-aligned-top v4-pattern-cta-box__columns-column is-layout-flow wp-container-core-column-is-layout-fb77afb0 wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:0;flex-basis:60%\">\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-right is-layout-constrained wp-container-core-group-is-layout-1931a79c wp-block-group-is-layout-constrained\">\r\n<div id=\"multirow-headline-block_c4d739cf71daba4d77e1fce3832c06f9\" class=\"wp-block-visual4-multirow-headline alignwide\">\r\n    <div class=\"wp-block-visual4-multirow-headline\">\n\n<p class=\"has-text-align-left has-huge-font-size wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">We are happy to<\/p>\n\n\n\n<p class=\"has-text-align-left has-x-large-font-size wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:8%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:0.9;text-transform:uppercase\">advise you about<\/p>\n\n\n\n<p class=\"has-text-align-left has-huge-font-size wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:0.9;text-transform:uppercase\">Data protection!<\/p>\n\n<\/div> \r\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-9da75b5c wp-block-group-is-layout-flex\" 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href=\"tel:4971141019030\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50);font-style:normal;font-weight:600\">Call now!<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top v4-pattern-cta-box__columns-column v4-pattern-cta-box__columns-column--image is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<figure class=\"wp-block-image size-full v4-pattern-cta-box__columns-column__image\"><img decoding=\"async\" src=\"https:\/\/kpw.law\/wp-content\/themes\/kpw-law\/assets\/samples\/person-cropped.png\" alt=\"\" class=\"wp-image-23155\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Federal Court of Justice (BGH) on a negative report to SCHUFA: A disputed claim that has not been plausibly substantiated may not be reported.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4904,1],"tags":[6492,5448,5446,5447,5452],"thema":[],"rechtsgebiet":[4940],"produkt":[],"class_list":["post-34183","post","type-post","status-publish","format-standard","hentry","category-general","category-unkategorisiert","tag-credit-bureau","tag-data-protection-law-schufa-notification-claims-disputed-data-transmission","tag-schufa-en","tag-schufa-report","tag-schufa-score-en","rechtsgebiet-data-protection-law"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A Negative Entry with Consequences<\/title>\n<meta name=\"description\" content=\"Federal Court of Justice (BGH) on a negative report to SCHUFA: 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