"Victim of impersonation" CIFAS mark on credit file

MEM62

cheekykid wrote: »

I am NOT going to pay for certification for something which they have caused nor am going to send my original ID in.

cheekykid wrote: »

I would like to ask if anyone here knows a valid threat of a legal case I can bring onto them for putting something on my file that isn't valid and any consequences that may arise from this CIFAS.

Virgin have a concern that you have been the subject of ID fraud and have taken the appropriate steps. You will not know why because they will not share that information with you. (If the workings of the anti-fraud system became public knowledge then the unscrupulous would be able to circumvent it)

Virgin have offered you a process through which you can resolve the issue. However, it seems that you are not prepared to cooperate with this and would rather consider legal threats. To be frank, this makes no sense at all. You not prepared to pay for your ID to be certified but are prepared to incur a far lager cost to initiate litigation. Good luck with that. Let us know how you get on.

cheekykid

MEM62 wrote: »

Virgin have offered you a process through which you can resolve the issue. However, it seems that you are not prepared to cooperate with this and would rather consider legal threats. To be frank, this makes no sense at all. You not prepared to pay for your ID to be certified but are prepared to incur a far lager cost to initiate litigation. Good luck with that. Let us know how you get on.

But this issue they brought it up and created it not me. Do I have to prove that am not an elephant? I am not even their customer.

DCFC79

cheekykid wrote: »

But this issue they brought it up and created it not me. Do I have to prove that am not an elephant? I am not even their customer.

Then dont do anything about it then or you correct it.

MEM62

cheekykid wrote: »

But this issue they brought it up and created it not me. Do I have to prove that am not an elephant? I am not even their customer.

The issue was raised because their protocols dictated it. Of course, we do no know what the particular trigger was in this case but I think that it is fair to assume that Virgin are not being deliberately awkward or vindictive. (And all banks will have different systems with different criterion) You do have a choice. You can cooperate with Virgin and resolve the issue or not as you see fit.

To be honest, it would not be much of a fraud prevention system if, once flagged, a phone call from some one who could be anybody because their ID is not substantiated (you in this case) could call up and just say 'cancel it, you have made a mistake'. You may know that is the case but, of course, Virgin do not.

It is a pain I agree but I do not think that Virgin are being unreasonable.

ffacoffipawb

MEM62 wrote: »

You not prepared to pay for your ID to be certified but are prepared to incur a far lager cost to initiate litigation. Good luck with that. Let us know how you get on.

I bet he drinks Carling Black Label.

mcpitman

cheekykid wrote: »

I know for sure that I did these two applications and no one else. This should suffice if I go the legal route to have these marks removed.

And that's the point, you know it is you, but the bank don't know it is you.


If I were to de-fraud someone, I would apply for as many things as possible over a short period of time or write a bit of code to do that for me over the internet. Simple.


You would probably be posting about how poor the banks checks are if you were a victim of fraud!


Therefore, what these banks are doing is protecting you.

shortcrust

Sounds like there are three options:

1. Just ignore it.
2. Send them certified ID - I usually take a risk and send originals by recorded delivery. That costs a couple of quid.
3. Take legal action which will cost thousands of pounds.

There's nothing you can do to change that list of options. Your choice of course, but there is one option that seems to stand out as the most sensible (hint - it's an even number).

Mistake happen. There are often minor inconveniences and costs as a result. Best not to get too stressed out. If you send them a polite complaint letter when it's all sorted you'll probably get a goodwill payment from them.

Ergates

cheekykid wrote: »

I am NOT going to pay for certification for something which they have caused nor am going to send my original ID in. What if they lose it?
They say they aren't able to talk to me about this unless all this is done.
I spent one hour and 10 minutes on the phone with them, after being passed from one department to another numerous times. A complete joke of an experience.

The whole point of identity fraud detection systems is to prevent people contacting a bank pretending to be you. You're suggesting that you should be able to just phone up the bank saying "Hello, it's me cheekykid, honest it really is", and they should accept you at your word, without you having to prove your identity at all....

cheekykid

Ergates wrote: »

The whole point of identity fraud detection systems is to prevent people contacting a bank pretending to be you. You're suggesting that you should be able to just phone up the bank saying "Hello, it's me cheekykid, honest it really is", and they should accept you at your word, without you having to prove your identity at all....

Capital one did. Curious to see if their cifas will come off my file next month as they said. As for Virgin I will try put a correction notice on my profile.

I understand the argument of protection but this doesn't mean I have to accept it. Because of a minority we have to go through hassle. If they want to cut down on fraud drastically they shouldn't allow applications without real or certified ID's submitted, period! but no as this would turn off many potential customers. Greed.

haras_nosirrah

id be more worried about capital one. You have triggered their id fraud markers.

If you had been a victim of fraud -
someone who knows enough about you to pass an application can then phone up and answer the same security questions over the phone and go honest its me and they remove the fraud marker with no proof wheras virgin want proof of it is you before removing the fraud

If you had been a victim of fraud and the fraudster were able to carry on as the cifas had been removed which bank would you now be thinking of taking to court (hint it isn't virgin)