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They usually do this in cases of fraud. And if that happens then a marker is put on your credit record.
You will need to make a formal complaint to the bank - if they uphold your complaint they can remove the marker.
You can make the complaint here: https://www.santander.co.uk/personal/support/customer-support/how-to-complain
You need to detail why the Cifas marker was unwarranted. If they reject your complaint then ask them for a final response letter (a "deadlock" letter) and then you need to escalate the dispute to CIFAS themselves who will do an independent review of the case. The address to write to is :
Cifas6th Floor, Lynton House7-12 Tavistock SquareLondonWC1H 9LT
That should take no longer than 14 days to complete. If CIFAs agree with the bank, you would have to escalate it to the Financial Omudsman Service (http://www.financial-ombudsman.org.uk)
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