Identify the Marker Category Before You Draft the Complaint
A CIFAS marker challenge depends heavily on the category recorded. Misuse of Facility, False Application, Facility Takeover, and other categories raise different evidence questions. Start by matching the wording in your record to the right guide.
Marker library
Each CIFAS marker type has a different evidence problem.
These pages help you identify the category before drafting anything. The goal is to match your CIFAS record to the right dispute route, not 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.
Not sure which category applies?
Use the DSAR record, issuer correspondence, and product decision to identify the category before deciding the next document.