What Is a Third Party Fraud Marker?

A third party fraud marker means someone else used your identity or details without your knowledge. You are the victim, not the perpetrator. However, problems arise when institutions incorrectly file the marker against the victim rather than recording them correctly.

This is particularly common with Identity Fraud markers, where the institution may file against the identity used rather than properly distinguishing between the fraudster and the victim.

If you are the victim of identity fraud and a marker has been filed against your name, the complaint approach is different from other marker types. The focus is on demonstrating that you were the victim, that you had no involvement in the fraudulent activity, and that the marker should be removed or reclassified.

If you are a victim of identity fraud, you can apply for a CIFAS Protective Registration. This is a positive marker that alerts organisations to check more carefully when applications are made in your name. It does not prevent you from accessing services, it adds an extra layer of verification to protect you from further fraud.

Where you are the victim of identity fraud and a marker has been filed against your name, the focus of the complaint is demonstrating that you had no involvement in the fraudulent activity, that your identity was used without your knowledge or consent, and that the institution should have recorded you as a victim rather than a suspect.

If you have a police or Action Fraud report, include it. If you can demonstrate how your identity was obtained and used, include that evidence. The cleaner the victim narrative, the more straightforward the removal argument.