CIFAS marker wrongly added to credit file
**Hello all!**
TLDR Version: Revolut incorrectly applied a CIFAS marker over 2 and a half years ago, it fucked me up substantially, as well as my credit file & a mortgage application. I recently found out about it & submitted an appeal to have it overturned, it was instantly successful and now I want to know what my next steps are because of this blatant & damaging mistake by Revolut...
**Short backstory:**
I recently applied to open a new bank account and was instantly declined. I called the bank's application helpline to find out why, and they told me there was a CIFAS marker against my name. They advised me to either contact the bank that had placed the marker and request a Subject Access Request (SAR), or contact CIFAS directly for a Data Subject Access Request (DSAR).
I had no idea who had placed the marker, so I requested a DSAR from CIFAS. About 10 days later, the report arrived and showed that Revolut had placed a **\"Misuse of Facility\"** marker against me.
I contacted Revolut to understand why, and they replied asking for information about a Ā£660 transaction from March 2024.
I immediately knew what transaction they were referring to. It was a private sale of a pair of trainers. As far as I was concerned, the sale had gone perfectly. I had Royal Mail tracking confirming delivery, and the buyer even confirmed they had received the trainers. After that, I never heard from them again.
It turns out the buyer had apparently disputed the payment, either by claiming they never made the transaction or by alleging that I never sent the trainers or never owned them in the first place.
Thankfully, appealing the decision was straightforward. I was able to provide all the evidence proving the transaction was genuine, and within five days of my initial eā¦
Revolut
