Advice on removing CIFAS marker

kingfisher008

I requested SAR and I realised that Barclays left a fraud marker (application fraud) on my name.

My mortgage application with nationwide was rejected so I was advised to file for subject access request with CIFAS/NATIONAL HUNTER, my credit score was good so I couldn’t think of anything else.

I moved into my rental property April 2017 and I didn’t register on the electoral roll until a year later. I applied to Barclays in branch Dec 2018 and account was opened then closed few days later. 

The SAR now showed that Barclays left an application fraud marker at on my name.

Reason: False Time at address. 

I have my tenancy agreement which shows that I moved in April 2017. I raised a complaint with Barclays and after few weeks I received a letter from them which states that they’ve looked into my case and they will not be reopening the account for me. I literally screamed in anger. I DID NOT ASK THEM TO REOPEN ACCOUNT. I only wanted them to remove the fraud marker as I have a concrete proof that I moved into the address when I said I did.

If anyone has gone through this, please I can do with your advice.

sambaird

The only people that can remove a CIFAS marker are the people that put it on.
So you need to go back to Barclays.

[Deleted User]

Not sure it's fair or reasonable to put a CIFAS on somebody, solely because the ER data doesn't match up - that's a very common occurrence. They must have other information to believe you weren't there (e.g. you'd given conflicting information elsewhere)

Did you make any other applications (anywhere) between April 17 and December 18 where you used different address data?

E.g. if you applied for something in (e.g.) June 2018 but said you were living at the previous address, then Barclays are likely to have seen that and then cross-referenced it to what you told them in Dec 18.

If in Dec 18 you told them you'd resided at current for well over 1 year, but in June 2018 you told someone else you weren't living at current, then clearly that's very likely to be an issue.

If you want to challenge it, as above go back to Barclays. But also note that the tenancy isn't worth much on it's own - anyone can create one. Send that plus the corresponding bank statements (showing that you paid the rent, as shown on the tenancy agreement) - I'd send all of them (get a list from online banking or your bank, should be able to filter by payment amount etc.)

Plus send any other supporting information you have - e.g. if you ended a tenancy elsewhere when you moved in April 17, send that/the checkout information & bills. Or utility/council tax bills for your curent address etc.

Also you have the right to refer it to FOS, who can and do order unfair markers to be removed. Just be careful of the 6 month time limit. If Barclays have issued a final response letter, I'd be tempted to go to FOS now and still go back to Barclays. If they take 3 months to investigate your new evidence, they won't necessarily issue a new final response letter. 

PaulW922

I think you must make Barclays address this. In fact, they probably owe you some compensation if they are at fault here