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Stealing someone's identity is much harder with the data that schufa has.

And stealing identity isn't really a thing here. Like to open a bank account you still need to go to the post office with your ID which they then confirm, so knowing the things that schufa knows won't get you far.

As far as I understood it credit data companies in the US have a lot more info. Schufa has very basic things: "Opened account at X bank", "Got approved loan of 10k", "Signed a phone contract".

They don't have any insight into loan payments, individual transactions, or anything else really.