What are my rights andwho are the fraud prevention agencies?

You have a right to request a copy of any information held about you under the Data Protection Act 1998.

CIFAS Members use one or more of the following Fraud Prevention Agencies in the UK:

Experian Ltd: Consumer Help Service, PO Box 9000, Nottingham, NG80 7WP
Tel: 0844 481 8000 
www.experian.co.uk

Equifax Ltd: Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US
Tel: 0844 335 0550
www.equifax.co.uk

Callcredit Ltd: Consumer Services Team, PO Box 491, Leeds, LS3 1WZ
Tel: 0870 060 1414
www.callcredit.co.uk

Experian Limited - Experian Decision Analytics: Seabank House, Wight Moss Way, Southport, PR8 4HQ
Tel: 0844 481 8000 
www.experian.co.uk

Synectics Solutions Ltd: Customer Helpdesk, Synectics House, The Brampton, Newcastle-under-Lyme, ST5 0QY
Tel: 01782 664 000
www.synectics-solutions.com

In addition, for a fee from £2 you can obtain a copy of your credit file (which gives details such as your name, address, current credit commitments, payment records, etc) from the credit reference agencies. If you want to see your credit file then you should write to the credit reference agencies Experian Ltd (Nottingham), Equifax Ltd and Callcredit Ltd at the addresses listed above, enclosing the relevant fee. If you believe any of the data is incorrect, the details you receive from the agencies will explain how you can set about having it corrected. You may also be able to add a note to your record, which could help you.  If there is a CIFAS Protective Registration or a Victim of Impersonation marker against your name to protect you, you will be able to see this on your credit file.

For a fee of £10 you are entitled to request a copy of any information held about you by any organisation on computer or in some manual files. This is known as a Subject Access Request.  If you wish to request a copy of any data held about you by CIFAS, please follow the procedure as explained on the Subject Access Request Form and send your completed form to the address below.

The Compliance Officer
CIFAS
6th Floor, Lynton House
7-12 Tavistock Square,
London
WC1H 9LT

Our response will include only CIFAS data and not public information, payment history data or other fraud information.

If you want to know what other fraud information is held against your name, you should write to the organisation that processed your application or insurance claim to enquire which fraud prevention databases they consulted. They are obliged to provide you with full details including the addresses to write to.   The responses from those organisations will not include any CIFAS data.