Santander insisting CIFAS on my account but DSAR Clear

Timeline:

24th July - Santander accounts frozen and will close in 60 days. Submitted DSAR CIFAS request as advised.

4th August - Cifas comes back clear of everything other than “3 number searches from Santander”. Search included my parents address I lived at from 2017-2021 and my own home address for 2021 to present.

4th August - Sent the “all clear” CIFAS DSAR to Santander’s Fraud team

8th August - Santander review and state they can still see a Cifas Marker on my account.

Im genuinely starting to seriously deteriorate in my mental health as I’m not sure what I can do here. I do have to rent accomodation in places short term for construction projects my company puts me at, 2 of these have been “all in” where I have no bills, the other one i have a settled council tax and utility bills all at £0 settlement. Again all of these still listed my home address as Billings Address and were through my home Billings Address bank account. I have never opened a bank account at any of these addresses, not taken out any contracts etc, only the previously mentioned home ones. (Family home, which i transferred over when i bought my own place)

Given i’ve stated all my billing addresses for my only 3 banks accounts over the last 10 years, i’m seriously clueless what to do next.

Ask me anything and i’ll answer honestly, I don’t know what I can do when i genuinely cannot find this marker due to my DSAR being filled with all my information, yet showing no markers. I’ve raised with the bank if it is not these addresses then it is not me, however I cannot find a way to request information from Cifas that isn’t showing for me.

Also never had anything unknown (from my knowledge) show up on my credit files.

Posted Aug 8, 2025, 9:13 PM UTC

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