CIFAS Marker Hell

Engineer789

Hi all,
Honestly need some help as i’m unsure what I can do next.

Timeline:

24th July - Santander accounts frozen and will close in 60 days. Submitted DSAR CIFAS request as advised.

4th August - Cifas comes back clear of everything other than “3 number searches from Santander”. Search included my parents address I lived at from 2017-2021 and my own home address for 2021 to present.

4th August - Sent the “all clear” CIFAS DSAR to Santander’s Fraud team

8th August - Santander review and state they can still see a Cifas Marker on my account.

Im genuinely starting to seriously deteriorate in my mental health as I’m not sure what I can do here.

I do have to rent accomodation in places short term for construction projects my company puts me at. 

2 of these have been “all in” where I have no bills, the other one i have a settled council tax and utility bills all at £0 settlement. Again all of these still listed my home address as Billing Address and were through my home Billing Address bank account. 

I have never opened a bank account at any of these addresses, not taken out any contracts etc, only the previously mentioned home ones. (Family home, which i transferred over when i bought my own place)

Given i’ve stated all my billing addresses for my only 3 banks accounts over the last 10 years, i’m seriously clueless what to do next.

Ask me anything and i’ll answer honestly, I don’t know what I can do when i genuinely cannot find this marker due to my DSAR being filled with all my information, yet showing no markers. I’ve raised with the bank if it is not these addresses then it is not me, however I cannot find a way to request information from Cifas that isn’t showing for me.

Also never had anything unknown (from my knowledge) show up on my credit files.

Please help, I have no idea how to get out of this and i’m completely derailed, I’ve done everything above board my whole life and feel like i’m about to lose it all due to a marker I just cannot find anywhere.

MEM62

Open an account with a different bank.  

Engineer789

MEM62 said:

Open an account with a different bank.  

So i tried to open a Barclays and got the same response from them when it stated “we need to discuss your application over the phone”

Starting to wonder if somebody from my old work addresses that i’ve never taken anything out at (they were purely accomodation) has done something in my name, so i’ve submitted those under a DSAR today also.