Cifas Fraud Type

Two Cifas Fraud Types (sometimes known as case types) may appear on your credit report.

Protective Registration – which appears for 2 years after you have purchased this service from Cifas or indirectly through another provider. This Cifas Fraud Type appears where the entry on the Cifas database has been made at the request of the consumer. The entry may be requested due to the person being a victim of crime, such as a burglary or theft, where personal documentation has been stolen. Stolen documentation can be used to apply for an account, policy, service or insurance claim in the victims name. Protective Registration helps to prevent this. Victims of data breaches and those at particular risk of identity fraud may also register with the service.

Victim of Impersonation - if you have been a victim of identity fraud and if your lender has filed this type of Cifas warning for your own protection.

Cifas Fraud Types are categories of fraud warning that are used by Cifas members to help identify impersonation attempts and other types of fraud. Other information that can be included on credit reports for lenders to view relates to instances of fraud, deception or the exaggeration of application form details. Other Cifas Case Types that lenders see, but that do not appear on your credit report, include:

Facility Takeover - where an existing customer`s facility (e.g. bank account) is hijacked by a fraudster and unauthorised transactions made, for example, money is transferred out, the address on the account changed, or new cards requested.

Application Fraud - where an applicant has used his/her own name but has made an application for an account, policy, service or insurance claim which contains a material falsehood for example, false employment details, false income, or concealed addresses. The use of a false document (such as a pay slip, bank statement or driving licence) when applying for an account, policy, service or insurance claim would also fall within this case type.

Asset Conversion Fraud - where a customer sells goods (usually a vehicle) that he/she does not have title to, under a hire-purchase, conditional sale, contract hire, leasing or rental agreement.

Misuse of Facility - Obtaining an account or a policy or other facility with the deliberate intent of using that facility for a fraudulent purpose.

Insurance Claims Fraud - where false information or false documentation is supplied as part of an insurance claim.

If you wish to see all of the information that Cifas holds about you, you will need to make a Subject Access Request to Cifas.

See also Cifas, Cifas Entry and Hunter.

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