Short Answer
You must obtain an official police case tracking number before any credit evaluation agency will clear fraudulent consumer debts from your file. National financial institutions will maintain active collection operations against your profile until a criminal investigation is formally registered.
What Most Expats Don't Realize
You discovered someone opened multiple smartphone accounts using your name and assumed the vendors would clear the bills once you explained the fraud. You ignored the initial collection notices while waiting for customer support responses, causing your national credit evaluation score to crater completely. You lost your apartment lease renewal opportunity and had your telephone lines deactivated because you allowed a corrupted credit score to stand on the public ledger.
What To Do
- Print out copies of every unauthorized consumer invoice and contract that features your personal information.
- Send a formal deletion demand alongside your police case number to the national credit registry via registered mail.
- "Ich fordere die Löschung dieser falschen Einträge gemäß DSGVO." (I demand the deletion of these false entries according to GDPR.) — write this directly to the data management compliance department to force a profile correction.
The Truth
In Germany, your Schufa score is your life. If someone ruins it with identity theft, you won't be able to get a flat or even a SIM card. The system is built on trust, which makes recovering from a broken identity a long, manual process.