Getting ALL Data from CIFAS

inkishush

Hi, I'd be most grateful for some help.

The CIFAS website "How can I find out if there is CIFAS or other data registered in my name" is a bit unclear.

go CIFAS website and then add slash followed by "find_out_if_cifas_other_data_registered"

It lists three contact points:

1) Get a copy of your Experian/Equifax/CallCredit report

2) Submit a Subject Access request to CIFAS itself

3) Submit a Subject Access request to the CIFAS-linked fraud prevention agencies

I have online access to my credit reports which are all clear and showing no data under the CIFAS section. But does this mean there is OTHER data which is also held by CIFAS that doesn't show up on a credit report from Experian/Equifax/CallCredit? Do I have to get onto CIFAS directly for that?

A family member of ours appears to have been wrongly chased for debt that didn't belong to them, and may have been a victim of identity theft. I've heard they normally put a marker or CIFAS warning on the whole address. Will that show up on my credit report (it doesn't currently) just because I live at the same address?

Will my online Credit Report have ALL the CIFAS data, or do I have to apply to all the different places listed above?

Many thanks!

fermi

inkishush wrote: »

I've heard they normally put a marker or CIFAS warning on the whole address. Will that show up on my credit report (it doesn't currently) just because I live at the same address?

No.

Has to be against the name as well as the address.

inkishush

Thanks. That's reassuring...it's just that there is this information on the Equifax website under FAQs "Learn more about CIFAS and Fraud Protection" which seems to imply a whole address is affected. Also, does your credit report even record this CIFAS data? Sounds like only some data is recorded and the rest is kept "confidential":

Who can see CIFAS information?
This is visible to any CIFAS member who conducts a search at that address where the CIFAS entry is located.

A CIFAS member will not necessarily make you aware that they are placing a CIFAS entry at your address. CIFAS take great care to strike the right balance between the need for confidentiality and the need to be open about fraud prevention.

To maximise the likelihood of successful apprehension and prosecution of offenders, individuals are not advised of CIFAS entries in the majority of cases. However, in the event of an impersonation, the CIFAS member will always advise the innocent party, if they have a current address for the innocent party and are sure that the fraudster will not be alerted.
Further information on CIFAS can be found here

Why has CIFAS information been removed from my File?
Equifax, in consultation with CIFAS, has changed the way CIFAS information is displayed on your Credit Report. Your Equifax Credit Report will now only display CIFAS registered in your name at your current and previous addresses. The CIFAS warnings that might appear on your Credit Report will relate to Impersonation or Protective Registration registered in your name.