Identity fraud Experian

swiftysw

I've recently applied for a new credit card from Santander.

I then received a call to inform me a marker (Cifas) has been put onto my file. And did I know?.. I said No.

I have just logged into my noddle.co.uk account to find this CIFAS warning...

Victim of impersonation
Victim (02)

Any my report shows NOTHING out of the ordinary...

I initally phoned Experian but was told to email them; As yes not heard anything back..

Very Worried and stressed...

Please Advice..

Thanks
Simon

Stevie_Palimo

Follow up with another email then and attach the first one, The credit reference agencies are not the quickest with replies in most cases, You could also write to 02 about this as well in the hopes of getting to the bottom of it, If it was me I would be doing this rather than worrying about Noddle, Once you can see and prove it was not you then go down the route of having this removed.

Candyapple

Stevie_Palimo wrote: »

Follow up with another email then and attach the first one, The credit reference agencies are not the quickest with replies in most cases, You could also write to 02 about this as well in the hopes of getting to the bottom of it, If it was me I would be doing this rather than worrying about Noddle, Once you can see and prove it was not you then go down the route of having this removed.

It's not from o2, the 02 is a code: Protective Registration - Victim of Impersonation.

OP read this:
https://www.cifas.org.uk/voi_on_credit_file_whatdoesitmean


0 Protective Registration
Recorded at request of the person named or to protect the identity of a deceased person

1 False Identity Fraud
Use of a false name with an address

2 Victim of Impersonation
Use, by another person, of this name and/or address

3 Application Fraud (Facility Granted)
An application/proposal for any facility with one or more material falsehoods in the information provided - the facility was granted

4 Application Fraud (Facility Refused)
An application/proposal for any facility with one or more material falsehoods in the information provided - the facility was refused

5 Conversion
Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire-purchase, conditional sale, contract hire, leasing or rental agreement

6 First Party Fraud
Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility

7 Aiding & Abetting
Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, hire or other facilities, or other product or service

8 Insurance Claims Fraud
The making of a claim(s) under one or more insurance policy(ies) with one or more material falsehoods or by presenting a false or forged document.

Stevie_Palimo

Candyapple wrote: »

It's not from o2, the 02 is a code: Protective Registration - Victim of Impersonation.

OP read this:
https://www.cifas.org.uk/voi_on_credit_file_whatdoesitmean


0 Protective Registration
Recorded at request of the person named or to protect the identity of a deceased person

1 False Identity Fraud
Use of a false name with an address

2 Victim of Impersonation
Use, by another person, of this name and/or address

3 Application Fraud (Facility Granted)
An application/proposal for any facility with one or more material falsehoods in the information provided - the facility was granted

4 Application Fraud (Facility Refused)
An application/proposal for any facility with one or more material falsehoods in the information provided - the facility was refused

5 Conversion
Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire-purchase, conditional sale, contract hire, leasing or rental agreement

6 First Party Fraud
Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility

7 Aiding & Abetting
Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, hire or other facilities, or other product or service

8 Insurance Claims Fraud
The making of a claim(s) under one or more insurance policy(ies) with one or more material falsehoods or by presenting a false or forged document.

Well in that case they need the details from the credit ref agency to have it put right.