CIFAS Marker Types
Learn what each marker type usually refers to, where disputes tend to arise, and which guide best matches the wording in your record.
These pages are designed to help you identify the category before you draft anything. The aim is to match your correspondence or CIFAS record to the right guide, not to force every case into the same complaint template.
Misuse of Facility
A Misuse of Facility marker usually means an organisation believes your own account or facility was used in suspicious or fraudulent activity, such as receiving or moving suspicious funds.
False Application
False Application usually means an organisation believes false information or documents were used in an application for a financial product or service.
Facility Takeover
Facility Takeover usually means an account or financial facility was taken over or used by someone without proper authority.
Identity Fraud
Identity Fraud usually means identity details were used to obtain a product or service fraudulently, sometimes affecting the victim if the marker is filed incorrectly.
Asset Conversion
Asset Conversion usually involves financed or leased goods being sold, retained, or not returned in a way the organisation says was dishonest.
False Insurance Claim
False Insurance Claim usually means an insurer says an insurance claim involved a material falsehood, exaggeration, or false supporting information.