National Hunter Report

bigpappa

I  made a SAR to National Hunter to see what information they held on me.

I received back 2 files - both from lloyds stating False ID on an application for a card and current account. This was due to someone having tried to open up a bank account and card in my name. The Bank at the time immediately informed me and put me on the CIFAS regiser for a year. The accounts were opened and immediately closed.

I was a victim of identity fraud, but in the reports it doesnt state that other than "false identity". Is there anything I need to do or is this the way the system operates?

ahmjt

I am no expert but the National Hunter report will have a Status like "refer", "inconsistency" and "clear" with a section "Reason" to have the reason for the status. If the status is "refer" and reason is "victim of id impersonation" - then that means any lender will take extra caution when they see an application using your name. They may ask for additional identification to prevent further fraud in future. This means any application will have this extra step.