Sure, it’s totally OK that a business like SchuFa has your data and if you happen to have a business it’s totally ok for them to blackmail you. It’s also totally ok that they don’t notify you if any business reports something negative to them about you. Schufa is totally ok and not shitty and predatory at all.
No I do not. A company can tell Schufa something bad about any private person. Without their knowledge.