ConnectAPI ICRAA Guide
ICRAA - The Investigative Consumer Reporting Agency Act service relate specifically for uses of investigative consumer reports, which are consumer reports for employment, insurance and rental property decisions where the consumer is located in California, the place of employment is located in California, the rental property is located in California or the employment or rental decision is made in California, as further defined by the California Investigative Consumer Reporting Agencies Act (ICRAA).
In order to comply with ICRAA, we are adding an optional parameter to our /share endpoint so that you can explicitly indicate when a transaction is subject to ICRAA regulation.
Note
As part of the ICRAA service, Experian will request that an end user send a keyword on the inquiry to indicate that the consumer request should be processed through the Experian ICRAA service.Experian will also review requests for employment, insurance and rental property decisions where a keyword has not been provided to determine if the consumer is located in California and, if so, will then process the request through the Experian ICRAA service.
Note
As part of the ICRAA service, Experian will request that an end user send a keyword on the inquiry to indicate that the consumer request should be processed through the Experian ICRAA service.Experian will also review requests for employment, insurance and rental property decisions where a keyword has not been provided to determine if the consumer is located in California and, if so, will then process the request through the Experian ICRAA service.
Summary
- A new ICRAA parameter will be accepted by share endpoint.
- This new parameter will be available for /v3/share and /share endpoints.
- The value of this parameter will only affect Credit Profile report.
- If the transaction is subject to ICRAA regulations, you need to set icraa=true in the request.
- Under certain conditions, Experian can identify ICRAA transactions in absence of the ICRAA parameter. In this case, the ICRAA Message will be automatically included in the response
Input and output
ICRAA parameter in a share request should be passed as icraa=true.
ICRAA message will be located in the InformationalMessage block of the Credit Profile response.
Example:
"InformationalMessage": [
{
"MessageNumber": "84",
"MessageText": "0084 SSN MATCHES"
},
{
"MessageNumber": "57",
"MessageText": "0615 ICRAA REPORT"
}
]
Onboarding
No onboarding required. You can start using the icraa parameter on March 28 2020.
Samples
/v3/share request with icraa=true and ICRAA message in the response companyName is mandatory
curl -X POST -i -H "Accept: application/json" -u ": " "https://demo-api-connect.experian.com/ECP2P/api/share" -d "consumerToken=ZTJmMTEwMDMtODM3OC00MGNkLTkzNWMtNDBiZmVlMzA3Mjk4&endUserToken=ZjQzZTE3ZWYtN2FlYi00YjlmLWJhODItZTZiNjBlNzU5YjYz&purposeType=7&icraa=true {"success":true,"error":null,"shareId":1357295,"CreditProfile":{"Header":{"ReportDate":"03/23/2020","ReportTime":"02:56:55 PM CT"},"ConsumerIdentity":[{"Name":{"Type":{"desc":null,"code":null},"Surname":"HESSER","First":"GAIL","Middle":"C"}},{"Name":{"Type":{"desc":null,"code":null},"Surname":"HESSER","First":"GAYLE","Middle":"C"}},{"Name":{"Type":{"desc":"AKA","code":"A"},"Surname":"MARIAN","First":"GAIL","Middle":null}}],"AddressInformation":[{"FirstReportedDate":"04/16/2019","LastUpdatedDate":"04/16/2019","Origination":{"desc":"Update","code":"2"},"TimesReported":"0","LastReportingSubcode":"2310220","DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"2170 S C ROAD 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"05/18/2011","LastUpdatedDate":"03/10/2019","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"2170 N COUNTY ROAD 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"02/18/2015","LastUpdatedDate":"02/18/2015","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"1654 N C R 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null}],"EmploymentInformation":[{"FirstReportedDate":"11/2014","LastUpdatedDate":null,"Origination":{"desc":"Inquiry","code":"2"},"Name":"MERYLAP","AddressFirstLine":null,"AddressSecondLine":null,"AddressExtraLine":null,"Zip":null}],"PublicRecord":null,"Inquiry":[{"Date":"10/11/2019","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1639860","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"SYNCB/WALMART"},{"Date":"09/11/2019","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"COMENITY BANK/GORDMANS"},{"Date":"07/11/2019","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1639860","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"SYNCB/WALMART"},{"Date":"06/11/2019","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"COMENITY BANK/GORDMANS"},{"Date":"05/21/2019","Amount":"UNK","Type":{"desc":"Collection Department/Agency/Attorney","code":"48"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1984046","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC"},{"Date":"03/01/2019","Amount":"UNK","Type":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973319","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"CSC CREDIT SERVICES"},{"Date":"03/01/2019","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"02/28/2019","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"02/24/2019","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"6905630","KOB":{"desc":"Mortgage Companies","code":"FM"},"SubscriberDisplayName":"MORTGAGE COMPANIES"},{"Date":"02/21/2019","Amount":"UNK","Type":{"desc":"Collection Department/Agency/Attorney","code":"48"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1984046","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC"},{"Date":"12/08/2018","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"COMENITY BANK/GORDMANS"},{"Date":"12/01/2018","Amount":"UNK","Type":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973319","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"CSC CREDIT SERVICES"},{"Date":"12/01/2018","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"11/28/2018","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage 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Loan","code":"19"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"12/08/2016","StatusDate":"05/01/2019","MaxDelinquencyDate":"02/01/2017","AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"TermsDuration":{"desc":"1 Month","code":"001"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$285"}],"BalanceDate":"05/21/2019","BalanceAmount":null,"Status":{"desc":"Paid/was collection account, insurance or government claim or terminated for default","code":"62"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Original creditor: COX COMMUNICATIONS-2NDS","AccountNumber":"","MonthsHistory":"29","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"3","PaymentProfile":"B-----------------------9","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"04/28/2019","Subcode":"1984304","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"MID CONTINENT CREDIT S","EnhancedPaymentData":{"InitialPaymentLevelDate":"05/01/2019","AccountCondition":{"desc":"Paid/zero balance","code":"A2"},"PaymentStatus":{"desc":"Seriously past due","code":"93"},"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":{"desc":"Collections","code":"9"},"FirstDelinquencyDate":"05/01/2017","SecondDelinquencyDate":"02/01/2017"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"07/20/2016","StatusDate":"05/01/2019","MaxDelinquencyDate":null,"AccountType":{"desc":null,"code":"43"},"TermsDuration":{"desc":"10 Month","code":"010"},"ECOA":{"desc":"Joint Account","code":"4"},"Amount":[{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$3,000"}],"BalanceDate":"05/20/2019","BalanceAmount":"$0","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"35","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"000000000000000-000000000","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"05/19/2019","Subcode":"9201856","KOB":{"desc":"Bank Credit Cards","code":"BC"},"SubscriberDisplayName":"COREFIRST BANK & 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STORE","EnhancedPaymentData":{"InitialPaymentLevelDate":"01/01/2020","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Revolving Charge Account","code":"07"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"09/27/2016","StatusDate":"01/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":"Credit Card","code":"18"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$2,000"},{"Qualifier":{"desc":"High 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397-3742"},"ProfileSummary":{"DisputedAccountsExcluded":0,"DelinquenciesOver30Days":0,"DelinquenciesOver60Days":0,"DelinquenciesOver90Days":0,"DerogCounter":0,"PublicRecordsCount":0,"TotalInquiries":0,"MonthlyPaymentPartialFlagDesc":null,"InquiriesDuringLast6Months":0,"NowDelinquentDerog":0,"RealEstatePaymentPartialFlagDesc":null,"TotalTradeItems":0,"WasDelinquentDerog":0,"RevolvingAvailablePartialFlagDesc":null,"PaidAccounts":0,"hasProfileSummary":false,"InstallmentBalance":null,"MonthlyPayment":null,"PastDueAmount":null,"RealEstateBalance":null,"RealEstatePayment":null,"RevolvingBalance":null,"RevolvingAvailablePercent":null,"OldestTradeOpenDate":null,"Y2KOldestTradeline":null,"SatisfactoryAccount":0},"Statement":null,"InformationalMessage":[{"MessageNumber":"84","MessageText":"0084 SSN MATCHES"},{"MessageNumber":"57","MessageText":"0615 ICRAA REPORT"}]}}