PMC Guide

Connect PMC is a simplification of Enterprise Model. This solution supports users who wish to share report(s) with an entity rather than an individual user.

This endpoint provides a method for defining an entity and the company name which coincides with that entity. The permissible purpose and inquiry is then recorded as such, where the name of the entity is listed on the consumer file rather than the name of the individual performing the inquiry. In this case, only the principle user is subject to authentication.

The system will support clients who wish to enable sharing with both individuals and entities. These end points allow you to define those users so we can treat them accordingly.

Note

PMC users are subject to additional offline vetting processes before they can begin viewing reports

Summary

We are exposing 2 new endpoints

- /v3/pmc

- /v3/pmc/answers

These endpoints work just like /v3/user and /v3/user/answers with two exceptions:

- /v3/pmc has a new mandatory parameter called companyName. The value of this parameter will be used when pulling the Credit Report in the share step. Max length is 30. Allowed characters are:

uppercase and lowercase letters
numbers
@
%
&
(space)
#
- (dash)
. (dot)
' (single quote)

- You can’t pull a report for a PMC user.

Besides this difference, the flow is the same:

1. Call /v3/pmc and get the security questions and the authSession

2. Call /v3/pmc/answers passing the correct answers and authSession. You get the User Token, which in this case is a PMC User token

3. Pull a report for a consumer with /v3/report.

4. Call /v3/report/ to share the Consumer report with the PMC user. At this point, the report will be pulled passing the companyName parameter in the Inquiry.

In the following table you can see the main differences between the old Enterprise Model and PMC:

Task	Description
Reseller creates an account in EWACS and has to manage credentials for the Enterprise user	Reseller registers a PMC user with an API call. You have to manage a Tokens just like with a regular user
Use Enterprise User credentials when calling Connect API.	Use Reseller credentials when calling Connect API. No overhead of having different credentials for each PMC user. No need to manage EWACS accounts for PMC users.
Credit Reports are pulled with the Enterprise User's subcode	Credit Reports are pulled with the Reseller's subcode. You don't need to request a new subcode each time a new PMC starts using the system.
Change password every 90 days.	Reauthenticate PMC User every 365 days just like a regular user

More Information

API Specification can be found here

P4C uses V3 Error Codes

Onboarding

If you are coming from Enterprise Model, use your Security Designate account to create a new End User account. Use the new credentials in your ConnectAPI requests.

If you are using ConnectAPI but you are not coming from Enterprise Model, you can keep using your current credentials. Use the new PMC endpoints when required.

Samples

You can’t pull a report for a PMC user

In this sample, we have a PMC user identified by token MDEzMDljYWItNjgxYi00MjRhLWIxNzAtNzIzNjkzYTlhMmM4. If you try to pull a report for this token, you will get error 9017 with HTTP 422:

curl --location 'https://uat-us-api.experian.com/connectapi/v3/report' \
                      --header 'Content-Type: application/x-www-form-urlencoded' \
                      --header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJGaXJzdE5hbWUiOiJSaWNhcmRvIiwiTGFzdE5hbWUiOiJHYWxsYXJkbyIsIkVtYWlsIjoicmljYXJkby5nYWxsYXJkb0BleHBlcmlhbi5jb20iLCJpYXQiOjE3MTI3MDkyMjAsImV4cCI6MTcxMjcxMTAyMCwiaXNzIjoiRVhQRVJJQU4iLCJzdWIiOiJjYXBpX2RlbW83IiwianRpIjoiOGMxYmQwODYtZTY5Mi00OTcxLTk5ODQtMTg0ZDU4NjM1ODg3In0.KiZlBcxwEzYz-qu_W53b5XjvccTG0uQc0RZ14Z8TtQIt7B5jD6O66-t4uavk65XLyz0PfOiiDPhs2K9JDlEvcM5yTMBoAlqXWioqgJFdcH4TmUfV8OuxexxdrkHU65HjURL_srPxfK78JdHhI8iHX9j4R3vpL4C1fM-Hg9-s_Ppkad_3NZ9RC6tzOerZOhSqfVe6OlJOkCooIMfch_q1-uxDm5ZrqIyfm0VnrwQcRgzJWbTfJkTV8sYcvu49thmjYUtf1f4R9LBc8aiTQjmCrMS10DbzJUQo6gWXhMDiPlH-ZeUOiOUVu5FA7xDaWlpXRvK1WnrFebrjrJsM1QNY5g' \
                      --header 'accept: application/json' \
                      --data-urlencode 'productId=38' \
                      --data-urlencode 'consumerToken=MDEzMDljYWItNjgxYi00MjRhLWIxNzAtNzIzNjkzYTlhMmM4' \
                      --data-urlencode 'purposeType=7'	
 
{"success":false,"error":{"Code":"9017","Message":"You cant pull a report for an End User","Status":422,"FieldErrors":null},"reports":{},"transactionId":null}

companyName is mandatory

If you send a request to /v3/pmc without passing companyName, you will get a validation error 1004 with HTTP 400:

  curl --location 'https://uat-us-api.experian.com/connectapi/v3/pmc' \
                      --header 'accept: application/json' \
                      --header 'Content-Type: application/x-www-form-urlencoded' \
                      --header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJGaXJzdE5hbWUiOiJMZW9uYXJkbyIsIkxhc3ROYW1lIjoiSmFyYSIsIkVtYWlsIjoibGVvbmFyZG8uamFyYUBleHBlcmlhbi5jb20iLCJpYXQiOjE3MDU0MTAxMjYsImV4cCI6MTcwNTQxMTkyNiwiaXNzIjoiRVhQRVJJQU4iLCJzdWIiOiJjYXBpX2xlb191YXQiLCJqdGkiOiJiZDhlOGNkMi1iYWMyLTQ1MDktOTNjMy01NzJhMjBmODg5OTIifQ.XdhV-ugyjgJimI4u1XtfpvlyCFxxpKLur6rC7sG70w53U7P0lpI67UEQJWsHyiHVlpU8XDgxvQDBamSuMcCkX_0uFOCGByjVFSMfCCN2bsg21Ha_7vml8YgKj9w_VsrIalzJgWRe9nFAQdssYzn42LhXFle7W0rTKlEnNQNyqmfUbNDVgXWIJla3A_YnQkM7vQh-ZaztjytJ9HoUh7aFiWNO3--wzptAqAXOk-mVj0fb1qBqjV5i6iNmBpspPNdm-J4xjvUJUepzrTzYZhBes8OdWkeiGPOs7kKrOlkCqHoNyD2EuERZnj0tI4f4cLtYkhuIk6ptgvJAEuapsRVzww' \
                      --data-urlencode 'firstName=GAIL' \
                      --data-urlencode 'middleName=' \
                      --data-urlencode 'lastName=HESSER' \
                      --data-urlencode 'currentAddress=2170 S C ROAD 43' \
                      --data-urlencode 'currentCity=REPUBLIC' \
                      --data-urlencode 'currentState=OH' \
                      --data-urlencode 'currentZip=44867' \
                      --data-urlencode 'ipAddress=10.1.1.1' \
                      --data-urlencode 'ssn=666710133'
 
HTTP/1.1 400 Bad Request
 
{"success":false,"error":{"Code":"1004","Message":"Invalid Request","Status":400,"FieldErrors":{"companyName":"companyName is required."}},"preciseIDServer":null,"pidResult":null,"referenceID":null,"authSession":null}

Happy Path

v3/pmc/user

Start ID verification for PMC:

                    
                      curl --location 'https://uat-us-api.experian.com/connectapi/v3/pmc' \
                      --header 'accept: application/json' \
                      --header 'Content-Type: application/x-www-form-urlencoded' \
                      --header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJGaXJzdE5hbWUiOiJMZW9uYXJkbyIsIkxhc3ROYW1lIjoiSmFyYSIsIkVtYWlsIjoibGVvbmFyZG8uamFyYUBleHBlcmlhbi5jb20iLCJpYXQiOjE3MDU0MTAxMjYsImV4cCI6MTcwNTQxMTkyNiwiaXNzIjoiRVhQRVJJQU4iLCJzdWIiOiJjYXBpX2xlb191YXQiLCJqdGkiOiJiZDhlOGNkMi1iYWMyLTQ1MDktOTNjMy01NzJhMjBmODg5OTIifQ.XdhV-ugyjgJimI4u1XtfpvlyCFxxpKLur6rC7sG70w53U7P0lpI67UEQJWsHyiHVlpU8XDgxvQDBamSuMcCkX_0uFOCGByjVFSMfCCN2bsg21Ha_7vml8YgKj9w_VsrIalzJgWRe9nFAQdssYzn42LhXFle7W0rTKlEnNQNyqmfUbNDVgXWIJla3A_YnQkM7vQh-ZaztjytJ9HoUh7aFiWNO3--wzptAqAXOk-mVj0fb1qBqjV5i6iNmBpspPNdm-J4xjvUJUepzrTzYZhBes8OdWkeiGPOs7kKrOlkCqHoNyD2EuERZnj0tI4f4cLtYkhuIk6ptgvJAEuapsRVzww' \
                      --data-urlencode 'firstName=GAIL' \
                      --data-urlencode 'middleName=' \
                      --data-urlencode 'lastName=HESSER' \
                      --data-urlencode 'currentAddress=2170 S C ROAD 43' \
                      --data-urlencode 'currentCity=REPUBLIC' \
                      --data-urlencode 'currentState=OH' \
                      --data-urlencode 'currentZip=44867' \
                      --data-urlencode 'ipAddress=10.1.1.1' \
                      --data-urlencode 'jscPayload=cWa44j1fgBNlY5Du4UXuKrnZ2CI9XkPrwVL6tqAhbrmQmkqlE4Ww.GEFF0Yz3ccbbJYMLgiPFU77qZoOSix5ezdstlYysrhsui6SFLwke22OxijhO3f9p_nH1u_eH3BhxUC550ibVlNUuAuyPB94UXuGlfUm0NUbNiqUU8jA2Q3wL6k03x0.5EwHXXTSHCSPmtd0wVYPIG_qvoPfybYb5EvYTrYesSp0Qn1cBCbquypZHgfLMC7AwOkE5fuyPBCxUC56MnGWpwoNSUC550ial.rIN913lVa1LL6glV2R0odm_dhrxbuJjkWxv5iMgdVgEL3NvxKMApNJ4VdIXVDK1e6StMtcMtOUTlfe2RjOI0NFgBFY5CljQlpRxvEWMZyr6U5lY6RjNNlY6AQnIVNj5Zvj92rn5hxJ9cU90yP4yJ6xBPNNmrK1kcSFBc8rLLf5BRGwuKnnt.jrkRGZPPEtCPIvy_j9YUhJOw1NUbqnU9Z1OwJjpf9wOTWyW_TBjFlvdL90.rInS2i4yzGMEiselFCLH2Vmoz4XOwZdZVLkvjcger92XlF4XVA4.L901gJ.elF1x_Ff4.A2pWL90ftctDL90ftctDL9.Mge4Nc0TmcKXV4hkf4.snVTCQiBviSyti_Nc645bIwdTq1MhKwk0eOIg6QWFs.kdAEyk.Iy5dAaYYJmGzUXn.gJ.EKQ1gJ0HlF1f4.WL9.dNc635W6PdMA4.Oct_MlsqmgJ0rmfou9lF6MdMTLrwWoctrx9vrYMehysrhsuheSJSNc2fofjuKnHvrYM_hz7S9DSzHixspzHiPMTwPwhjr5xj6KhIeYf4.SHCRgJ0p7prijHiL9.KNc6KNc6KNc6KNc1Vf4.WL9.J1TcKXVS1lF1VIp1gJ.g9Vf4.90Nc0FA4.22q.gJ.iselF1vXke1gJ2c_0Aiu8FHf4.9eMRKJitHKXV4KAi9eMRd9lF1e_r4KAiJ_Nc0KHvXe_r9HgJ.0T0m.Zpuy.AC2' \
                      --data-urlencode 'ssn=666710133' \
                      --data-urlencode 'companyName=PMC Company One'
  
{"success":true,"error":null,"preciseIDServer":{"XMLVersion":"1","Error":null,"Header":{"ReportDate":"01162024","ReportTime":"070244","Preamble":"TBD2","ReferenceNumber":""},"Messages":{"Message":{"Number":"57","Text":"015000    0000","AddrMismatch":"N"},"ConsumerStatement":null},"Summary":{"ReviewReferenceID":"2279122202","PreciseIDType":"11","PreciseIDScore":"584","PreciseIDScorecard":"AC OPEN NFD V2      ","ValidationScore":"000537","ValidationScorecard":"AC OPEN VAL V2      ","VerificationScore":"000782","VerificationScorecard":"AC OPEN ID THEFT NFD","ComplianceIndicator":"","ComplianceDescription":"No Compliance Code  ","FPDScore":"000347","FPDScorecard":"AC OPEN FPD V2      ","UtilityFunction":"00007030","InitialResults":{"AuthenticationIndex":"0040","MostLikelyFraudType":{"value":"First Payment Default","code":"FPD"},"Reasons":{"Reason1":{"value":"Low level of authentication indicative of First Party Fraud","code":"B201"},"Reason2":{"value":"Lack of delinquency or derogs on installment and real property trades in the last 24 months indicative that file is susceptible to ID fraud","code":"B111"},"Reason3":{"value":"Too many trades with high revolving credit balance to limit ratio","code":"B218"},"Reason4":{"value":"Too many public record derogs or trades reported in collection status","code":"B223"},"Reason5":{"value":"No adverse factor observed","code":"B405"}},"InitialDecision":"R10","FinalDecision":"R10","ActionPath":"000"},"Call2Results":{"AuthenticationIndex":"0000","MostLikelyFraudType":{"value":"","code":null},"Reasons":{"Reason1":{"value":"Not Supplied","code":"    "},"Reason2":{"value":"Not Supplied","code":"    "},"Reason3":{"value":"Not Supplied","code":"    "},"Reason4":{"value":"Not Supplied","code":"    "},"Reason5":null},"InitialDecision":"","FinalDecision":"","ActionPath":""},"CrossReferenceIndicatorsGrid":null,"DateOfBirthMatch":null,"NFDResults":null},"FCRADetail":{"FraudShield":{"FS07":"N","FS08":"N","FS09":"N","FS19":"N","FS20":"N","FS22":"N","FS27":null},"SharedApplication":{"FCRARule1":{"value":"","code":"    "},"FCRARule2":{"value":"","code":"    "},"FCRARule3":{"value":"","code":"    "},"FCRARule4":{"value":"","code":"    "},"FCRARule5":{"value":"","code":"    "},"FCRARule6":{"value":"","code":"    "},"FCRARule7":{"value":"","code":"    "},"FCRARule8":{"value":"","code":"    "},"FCRARule9":{"value":"","code":"    "},"FCRARule10":{"value":"","code":"    "},"FCRARule11":{"value":"","code":"    "},"FCRARule12":{"value":"","code":"    "},"FCRARule13":{"value":"","code":"    "},"FCRARule14":{"value":"","code":"    "},"FCRARule15":{"value":"","code":"    "},"FCRARule16":{"value":"","code":"    "},"FCRARule17":{"value":"","code":"    "},"FCRARule18":{"value":"","code":"    "},"FCRARule19":{"value":"","code":"    "},"FCRARule20":{"value":"","code":"    "},"AdverseActionCode1":{"value":"","code":" "},"AdverseActionCode2":{"value":"","code":" "},"AdverseActionCode3":{"value":"","code":" "},"AdverseActionCode4":{"value":"","code":" "}},"NFDSummary":{"RecordHits":"0000","FraudFieldHits":"0000","VictimRecordHits":"0000","VictimFieldHits":"0000","FieldHitsByInputAddress":"0000","FieldHitsBySSN":"0000","FieldHitsByDriversLicense":"0000","FieldHitsByPhone":"0000"}},"GLBDetail":{"CheckpointSummary":{"PrimaryResultCode":{"value":"Data found for search request","code":"00"},"BestPickAcceptDeny":{"value":"Refer","code":"R"},"AddrCode":"UR","PhnCode":"M ","AddrTypeCode":"S ","COACode":"N ","SSNCode":"Y ","AddrUnitMismatchCode":"","PhnUnitMismatchCode":"","DLResultCode":"M","DateOfBirthMatch":{"value":"6","code":null},"HighRiskAddrCode":"N ","HighRiskPhoneCode":"N ","OFACValidationResult":{"value":"1 ","code":null},"AddrResMatches":"0000","AddrBusMatches":"0000","PhnResMatches":"0000","PhnBusMatches":"0000"},"FraudShield":{"FS01":"N","FS02":"N","FS03":"N","FS04":"N","FS05":"N","FS06":"N","FS10":"N","FS11":"N","FS13":"N","FS14":"N","FS15":"N","FS16":"N","FS17":"N","FS18":"N","FS21":"N","FS25":"N","FS26":"N","FS27":"N"},"SharedApplication":{"GLBRule1":{"value":"Additional Addresses (5 - 6)","code":"3406"},"GLBRule2":{"value":"","code":"    "},"GLBRule3":{"value":"","code":"    "},"GLBRule4":{"value":"","code":"    "},"GLBRule5":{"value":"","code":"    "},"GLBRule6":{"value":"","code":"    "},"GLBRule7":{"value":"","code":"    "},"GLBRule8":{"value":"","code":"    "},"GLBRule9":{"value":"","code":"    "},"GLBRule10":{"value":"","code":"    "},"GLBRule11":{"value":"","code":"    "},"GLBRule12":{"value":"","code":"    "},"GLBRule13":{"value":"","code":"    "},"GLBRule14":{"value":"","code":"    "},"GLBRule15":{"value":"","code":"    "},"GLBRule16":{"value":"","code":"    "},"GLBRule17":{"value":"","code":"    "},"GLBRule18":{"value":"","code":"    "},"GLBRule19":{"value":"","code":"    "},"GLBRule20":{"value":"","code":"    "}}},"Checkpoint":{"GeneralResults":{"ProfileID":"MK169CD ","AccountInformation":"","Version":"15","PrimaryResult":{"value":"Data found for search request","code":"00"},"BestPickAcceptDeny":{"value":"Refer","code":"R"},"SourceFlag":"","CheckpointTemplate":"STDADD    ","NameFlipIndicator":{"value":"Default","code":" "},"AddressVerificationResult":{"value":"Address residential-name match unavailable","code":"UR"},"AddressUnitMismatchResult":{"value":"","code":"  "},"PhoneVerificationResult":{"value":"Phone missing (search information not received)","code":"M"},"PhoneUnitMismatchResult":{"value":"","code":"  "},"AddressTypeResult":{"value":"Single family dwelling","code":"S "},"AddressVerificationResidentialMatches":"0000","AddressVerificationBusinessMatches":"0000","PhoneVerificationResidentialMatches":"0000","PhoneVerificationBusinessMatches":"0000","AddressHighRiskResult":{"value":"No address high risk information found","code":"N "},"PhoneHighRiskResult":{"value":"No phone high risk information found","code":"N "},"COAResult":{"value":"No change of address information found","code":"N "},"SSNResult":{"value":"Match to full name only","code":"Y "},"EDABestPickScore":"","EDARecordsReturned":"","AcceptDeclineFlag":{"value":"","code":" "},"EDAResult":{"value":"","code":"NA"},"CheckpointScore":"488","Result":{"value":"Residential","code":"R"},"AuditNumber":"CP-CYZZ-KMJL45U3    ","ShortAuditNumber":"2KMJL45  ","DriverLicenseResult":{"value":"Driver License number is missing","code":"M"},"MonthOfBirth":"","DayOfBirth":"","YearOfBirth":"","DateOfBirthMatch":{"value":"DOB not provided on request","code":"6"},"OFACResult":{"value":"No match","code":"1 "},"StandardizedAddresRecordsReturned":"01","ResidentialAddressDetailRecordsReturned":"00","BusinessAddressDetailRecordsReturned":"00","AddressHighRiskDetailRecordsReturned":"00","AddressHighRiskDescriptionRecordsReturned":"01","ResidentialPhoneDetailRecordsReturned":"00","BusinessPhoneDetailRecordsReturned":"00","PhoneHighRiskDetailRecordsReturned":"00","PhoneHighRiskDescriptionRecordsReturned":"01","SSNAddressDetailRecordsReturned":"01","ValidationSegmentsReturned":"01","DriverLicenseSegmentsReturned":"00","OFACRecordSegmentsReturned":"00","AuditRequestInformationRecordsReturned":"00","COARecordsReturned":"00","COADescriptionRecordsReturned":"00","PreviousAddressesReturned":"02","SSNFinderAddressesReturned":"00"},"StandardizedAddressDetail":{"Surname":"HESSER","FirstName":"GAIL","Initial":"","Address":"2170 S COUNTY ROAD 43","City":"REPUBLIC","State":"OH","ZipCode":"44867","ZipPlus4":"9349"},"ConsumerIDVerification":[{"Surname":"HESSER","FirstName":"GAIL","Initial":"C","Address":"2170 S C ROAD 43","City":"REPUBLIC","State":"OH","ZipCode":"","ZipPlus4":"","AreaCode":"419","Phone":"5850509","MonthOfBirth":"10","DayOfBirth":"15","YearOfBirth":"1974","DateOfBirthMatchCode":{"value":"DOB not provided on request","code":"6"},"ReportedDate":"20051016","LastTouched":"20051016"}],"ResidentialAddressDetail":null,"BusinessAddressDetail":null,"AddressHighRiskDetail":[{"BusinessName":"","Address":"","City":"","State":"","ZipCode":"","ZipPlus4":"","AreaCode":"","Phone":""}],"AddressHighRiskDescription":{"HighRiskDescription":"No high risk business at address/phone            "},"ResidentialPhoneDetail":[{"Surname":"","FirstName":"","Initial":"","Address":"","City":"","State":"","ZipCode":"","ZipPlus4":"","AreaCode":"","Phone":"","SpouseName":"","OtherHouseholdMemberName1":"","OtherHouseholdMemberName2":"","OtherHouseholdMemberName3":"","LastTouched":"","MonthsAtResidence":""}],"BusinessPhoneDetail":null,"PhoneHighRiskDetail":[{"BusinessName":"","Address":"","City":"","State":"","ZipCode":"","ZipPlus4":"","AreaCode":"","Phone":""}],"PhoneHighRiskDescription":{"HighRiskDescription":"No high risk business at address/phone            "},"ChangeOfAddressDetail":[{"Name":"","Address":"","City":"","State":"","ZipCode":"","ZipPlus4":"","ReportedDate":"","LastTouched":""}],"EDAQuery":null,"EDACaption":null,"OriginalInquiryEcho":null,"ValidationSegment":{"Surname":"HESSER","FirstName":"GAIL","MiddleInitial":"","SSN":"666-71-0133","SSNIssueState":"","SSNDeceased":{"value":"No","code":"N"},"SSNFormat":{"value":"Valid","code":"V"},"SSNIssueStartRange":"","SSNIssueEndRange":"","SSNIssueResultCode":{"value":"SSN issue date cannot be verified","code":"C"},"DriversLicenseFormatValidation":{"value":"Driver's license not provided or validated","code":" "},"OFACValidationResult":{"value":"No match","code":"1 "}},"OFACRecordSegment":{"OFACRecord":""},"PreviousAddressSegment":[{"Address":"2170 N COUNTY ROAD 43","City":"REPUBLIC","State":"OH","ZipCode":"44867","ZipPlus4":"9613","ReportedDate":"19971118","LastUpdatedDate":"20050910"},{"Address":"2170 W COUNTY RD # 43","City":"REPUBLIC","State":"OH","ZipCode":"","ZipPlus4":"","ReportedDate":"20020606","LastUpdatedDate":"20020606"}],"SSNFinderDetail":null},"NationalFraudDatabase":null,"AdditionalAddresses":null,"CCNumerics":{"CCNumeric1":null,"CCNumeric2":null,"CCNumeric3":null,"CCNumeric4":null,"CCNumeric5":null,"CCNumeric6":null,"CCNumeric7":null,"CCNumeric8":null,"CCNumeric9":null,"CCNumeric10":null},"CCStrings":{"CCString1":null,"CCString2":null,"CCString3":null,"CCString4":null,"CCString5":null},"KBAScore":null,"KBA":{"XMLVersion":"1","General":{"SessionID":"FM48JC5FRTGOM0YTXMWLICJ8.pidd2v-2401160702441082121762","KBAResultCode":0,"KBAResultCodeDescription":"KBA processing successful questions returned","NumberOfQuestions":4},"QuestionSet":[{"QuestionType":42,"QuestionText":"Using your date of birth, please select your astrological sun sign of the zodiac from the following choices.","QuestionSelect":{"QuestionChoice":["CAPRICORN","LIBRA","ARIES","GEMINI","NONE OF THE ABOVE/DOES NOT APPLY"]}},{"QuestionType":1,"QuestionText":"According to your credit profile, you may have opened a mortgage loan in or around February 2023. Please select the lender to whom you currently make your mortgage payments. If you do not have a mortgage, select 'NONE OF THE ABOVE/DOES NOT APPLY'.","QuestionSelect":{"QuestionChoice":["FLEET MORTGAGE","CALIFORNIA FEDERAL","CITICORP MORT","US BANK","NONE OF THE ABOVE/DOES NOT APPLY"]}},{"QuestionType":23,"QuestionText":"Which of the following is a current or previous employer? If there is not a matched employer name, please select 'NONE OF THE ABOVE'.","QuestionSelect":{"QuestionChoice":["LITTEL BLUE WOMEN","MERYLAP","PONDEROSA REST","H A CONTRACTORS INC","NONE OF THE ABOVE/DOES NOT APPLY"]}},{"QuestionType":47,"QuestionText":"According to your credit profile, you may have opened a Home Equity Line of Credit type loan in or around February 2022. Please select the lender to whom you currently make your payments or made your payments.","QuestionSelect":{"QuestionChoice":["LOAN AMERICA","SUN WEST MTG","BANK ONE","INDEPENDENT MTG","NONE OF THE ABOVE/DOES NOT APPLY"]}}],"CreditQuestionSet":null,"NonCreditQuestionSet":null},"CreditCardVerificationResults":null,"IPAddress":null,"EmailAddress":null},"pidResult":null,"referenceID":2974759,"authSession":"OWQ0YmNhMjEtNzU1My00Yjc4LWI0ZTctNGZkMzQwN2VlMmMy"}

/v3/pmc/answers

Provide answers to security questions and get the PMC token:

curl --location 'https://uat-us-api.experian.com/connectapi/v3/pmc/answers' \
                      --header 'accept: application/json' \
                      --header 'Content-Type: application/x-www-form-urlencoded' \
                      --header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJGaXJzdE5hbWUiOiJMZW9uYXJkbyIsIkxhc3ROYW1lIjoiSmFyYSIsIkVtYWlsIjoibGVvbmFyZG8uamFyYUBleHBlcmlhbi5jb20iLCJpYXQiOjE3MDUwNjY1MzMsImV4cCI6MTcwNTA2ODMzMywiaXNzIjoiRVhQRVJJQU4iLCJzdWIiOiJjYXBpX2xlb191YXQiLCJqdGkiOiI1Njk0Mjc3Mi0xNDViLTQ1MzItOTg3Yi04MjJjN2MzY2NkOWQifQ.p56CbzdmT7XSzI6BkTStfkxGhsCQ7uEbYNpj_Kt7WKqSb4mgFFszPVTVibmZDW1P2HZJuux4ibcgK_tihvCa2EAixXzm6lgTWrXgYx4WYxGR9V-Y9rcoOA0KAD45TA4wfK22STp8WSXfUt_gt1-yPdyDbRwQ9awBrxkM-XfAx1d9MV1sQ1YlOojVhCIibQmgilQZFmNISH_O4j-uFPHFxi9g20UVGEia4jnUfHn8v34Y_hAX3Q6SLzK7ix_meh1m73pig1sZQaJvOmhTz42x983i8aGOePoHr0QXkRlHxJqVKTGCLRO3RX_suCy9E44Eze_aUHlFxUktjMfIfZwu-A' \
                      --data-urlencode 'authSession=YzlkODBkNGYtZjQ0Yi00M2ZlLTk3OWItZjg4ZDc1MjI4Y2Y4' \
                      --data-urlencode 'answer=3' \
                      --data-urlencode 'answer=5' \
                      --data-urlencode 'answer=2' \
                      --data-urlencode 'answer=5'

 
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PMC token is ZGU2MzhjMDYtZDU3OS00OWU4LWEyZTktYzFlYjUyZGYxY2Q2

/v3/report

Pull report for Tenant identified by token YzZkZjAzZGEtMTIzZC00OWJjLWE5YjQtYmUwODE4ODZhOTJl (obtained previously with Passive authentication)

curl --location 'https://uat-us-api.experian.com/connectapi/v3/report' \
                      --header 'Content-Type: application/x-www-form-urlencoded' \
                      --header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJGaXJzdE5hbWUiOiJMZW9uYXJkbyIsIkxhc3ROYW1lIjoiSmFyYSIsIkVtYWlsIjoibGVvbmFyZG8uamFyYUBleHBlcmlhbi5jb20iLCJpYXQiOjE3MDUwNzU3NTIsImV4cCI6MTcwNTA3NzU1MiwiaXNzIjoiRVhQRVJJQU4iLCJzdWIiOiJjYXBpX2xlb191YXQiLCJqdGkiOiI0YzNiZTljNS0yM2RiLTQ5YzQtOGNiYy01Y2YzYTY5MTA5ZDAifQ.QOzZwSORJJOjEQdxZMsqwuGwMFOosXfGirNN2GTpXf03PR_1EOhlXVeH9hObnzZqN2EkMuwVBXssfKDmN0_SkbzmfSzqSpIX-sAwcF0plFq33vthZRCry_MuMon1NzUliSf09Cn4Xk_P-9NeGa9OaRUey5TRphAQ15V8TaDwyvJj2olCEUD12KbophXD7ZGRKDY4RUThxi1L7vSl73xvTCB9j9dwMiKFv2auO1KUR1TpqHvrDgJMstbeMj4kGKRKII5QJsSF2w15e4ZX6Z3fEWOVES4eXgVmfRbBDgpgG8dpzps9KK89Nvj76NF-ud6vLm83s8URnxjSRrAGrCvHnQ' \
                      --header 'accept: application/json' \
                      --data-urlencode 'productId=38' \
                      --data-urlencode 'consumerToken=YzZkZjAzZGEtMTIzZC00OWJjLWE5YjQtYmUwODE4ODZhOTJl' \
                      --data-urlencode 'purposeType=7'
                    
                      
                      {"success":true,"error":null,"reports":{"CreditProfile":{"success":true,"error":null,"report":{"Header":{"ReportDate":"01/12/2024","ReportTime":"10:10:04 AM CT"},"ConsumerIdentity":[{"Name":{"Type":{"desc":null,"code":null},"Surname":"BEENE","First":"MIKE","Middle":null}}],"AddressInformation":[{"FirstReportedDate":"11/06/2023","LastUpdatedDate":"11/07/2023","Origination":{"desc":"Update","code":"2"},"TimesReported":"2","LastReportingSubcode":"6319841","DwellingType":{"desc":"Apartment complex","code":"A"},"HomeOwnership":{"desc":"Apartment complex","code":null},"StreetPrefix":null,"StreetName":"564 MARYLAND AVE APT 31","StreetSuffix":null,"City":"PITTSBURGH","State":"PA","Zip":"15202","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"11/09/2020","LastUpdatedDate":"11/17/2023","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":"5 ASHLEY LN","StreetSuffix":null,"City":"NEW KENSINGTON","State":"PA","Zip":"15068","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"11/17/2023","LastUpdatedDate":"11/17/2023","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":"2011 STARDUST ST","StreetSuffix":null,"City":"KILLEEN","State":"TX","Zip":"76543","CensusGeoCode":null,"CountyCode":null}],"EmploymentInformation":[{"FirstReportedDate":"02/2012","LastUpdatedDate":null,"Origination":{"desc":"Inquiry","code":"2"},"Name":"HAIR CUTTERY","AddressFirstLine":null,"AddressSecondLine":null,"AddressExtraLine":null,"Zip":null},{"FirstReportedDate":"01/2011","LastUpdatedDate":null,"Origination":{"desc":"Inquiry","code":"2"},"Name":"GREAT CLIPS","AddressFirstLine":null,"AddressSecondLine":null,"AddressExtraLine":null,"Zip":null}],"PublicRecord":[{"Status":{"desc":"Bankruptcy chapter 7-discharged","code":"15"},"StatusDate":"01/28/2021","FilingDate":"11/15/2020","Evaluation":{"desc":"Negative","code":"N"},"Amount":"$21,000","ConsumerComment":null,"Court":{"desc":"US BKPT CT IA DES MOIN","code":"2007650"},"ReferenceNumber":"9500607","PlaintiffName":null,"DisputeFlag":null,"ECOA":{"desc":null,"code":null},"Bankruptcy":{"Type":{"desc":null,"code":null},"AssetAmount":"$0","LiabilitiesAmount":"$21,000","RepaymentPercent":null,"AdjustmentPercent":null},"BookPageSequence":null}],"Inquiry":null,"TradeLine":[{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"10/26/2020","StatusDate":"11/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Auto Loan","code":"00"},"TermsDuration":{"desc":"60 Month","code":"060"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$23,421"}],"BalanceDate":"11/28/2021","BalanceAmount":"$0","Status":{"desc":"Transferred","code":"05"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"10","DelinquenciesOver30Days":"1","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"B1CCC","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"2606020","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"FLIC","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2021","AccountCondition":{"desc":"Transferred","code":"05"},"PaymentStatus":{"desc":"30 days past due","code":"71"},"AccountType":{"desc":"Auto Loan","code":"00"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"10/01/2021","SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"03/04/2019","StatusDate":"10/01/2019","MaxDelinquencyDate":null,"AccountType":{"desc":"Auto Loan","code":"00"},"TermsDuration":{"desc":"54 Month","code":"054"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$14,522"}],"BalanceDate":"10/02/2019","BalanceAmount":"","Status":{"desc":"Paid satisfactorily","code":"12"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"4","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"B","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"2611997","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"ALLY FINANCIAL","EnhancedPaymentData":{"InitialPaymentLevelDate":"10/01/2019","AccountCondition":{"desc":"Paid/zero balance","code":"A2"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Auto Loan","code":"00"},"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":"06/26/2018","StatusDate":"07/01/2019","MaxDelinquencyDate":null,"AccountType":{"desc":"Auto Loan","code":"00"},"TermsDuration":{"desc":"48 Month","code":"048"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$9,631"}],"BalanceDate":"07/28/2019","BalanceAmount":"","Status":{"desc":"Paid satisfactorily","code":"12"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"10","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"B","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"1199117","KOB":{"desc":"All Banks -- Non-Specific","code":"BB"},"SubscriberDisplayName":"TRUIST BANK","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2019","AccountCondition":{"desc":"Paid/zero balance","code":"A2"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Auto Loan","code":"00"},"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":"10/17/2017","StatusDate":"11/01/2018","MaxDelinquencyDate":null,"AccountType":{"desc":"Auto Loan","code":"00"},"TermsDuration":{"desc":"48 Month","code":"048"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$10,202"}],"BalanceDate":"11/28/2018","BalanceAmount":"","Status":{"desc":"Paid satisfactorily","code":"12"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"10","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"B","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"2620726","KOB":{"desc":"Automobile Financing Company","code":"FA"},"SubscriberDisplayName":"FORD CRED","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2018","AccountCondition":{"desc":"Paid/zero balance","code":"A2"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Auto Loan","code":"00"},"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":"03/15/2020","StatusDate":"08/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Secured By Household Goods","code":"22"},"TermsDuration":{"desc":"12 Month","code":"012"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$196"}],"BalanceDate":"08/28/2021","BalanceAmount":"$0","Status":{"desc":"150 days past due","code":"83"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"14","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"1","DelinquenciesOver90Days":"3","DerogCounter":"0","PaymentProfile":"5432CCCCCCCCCC","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"2538893","KOB":{"desc":"Personal Loan Companies","code":"FP"},"SubscriberDisplayName":"SPRINGLEAF FINANCIAL S","EnhancedPaymentData":{"InitialPaymentLevelDate":"08/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"150 days past due","code":"83"},"AccountType":{"desc":"Secured By Household Goods","code":"22"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"08/01/2021","SecondDelinquencyDate":"07/01/2021"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"07/13/2020","StatusDate":"08/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Secured By Household Goods and Other Collateral","code":"23"},"TermsDuration":{"desc":"12 Month","code":"012"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$564"}],"BalanceDate":"08/28/2021","BalanceAmount":"$0","Status":{"desc":"150 days past due","code":"83"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"10","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"2","DelinquenciesOver90Days":"3","DerogCounter":"0","PaymentProfile":"5432CC2CCC","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"2538893","KOB":{"desc":"Personal Loan Companies","code":"FP"},"SubscriberDisplayName":"SPRINGLEAF FINANCIAL S","EnhancedPaymentData":{"InitialPaymentLevelDate":"08/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"150 days past due","code":"83"},"AccountType":{"desc":"Secured By Household Goods and Other Collateral","code":"23"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"08/01/2021","SecondDelinquencyDate":"07/01/2021"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"10/26/2020","StatusDate":"10/01/2022","MaxDelinquencyDate":null,"AccountType":{"desc":"Auto Loan","code":"00"},"TermsDuration":{"desc":"60 Month","code":"060"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$23,421"}],"BalanceDate":"12/01/2023","BalanceAmount":"$10,539","Status":{"desc":"Current/was 90 days past due","code":"38"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"34","DelinquenciesOver30Days":"4","DelinquenciesOver60Days":"3","DelinquenciesOver90Days":"2","DerogCounter":"0","PaymentProfile":"CCCCCCCCCCCCCCC111212233","MonthlyPaymentAmount":"$390","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"11/28/2023","Subcode":"1604090","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"OMNI FINANCIAL/ACCH","EnhancedPaymentData":{"InitialPaymentLevelDate":"10/01/2022","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current/was 90 days past due 2 times","code":"14"},"AccountType":{"desc":"Auto Loan","code":"00"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"09/01/2022","SecondDelinquencyDate":"08/01/2022"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"10/03/2019","StatusDate":"12/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":"Auto Loan","code":"00"},"TermsDuration":{"desc":"60 Month","code":"060"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$26,775"}],"BalanceDate":"12/05/2020","BalanceAmount":"$21,055","Status":{"desc":"Voluntary surrender","code":"95"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"11","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"1","PaymentProfile":"8","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"11/17/2020","Subcode":"3636194","KOB":{"desc":"Automobile Financing Company","code":"FA"},"SubscriberDisplayName":"TD AUTO FINANCE","EnhancedPaymentData":{"InitialPaymentLevelDate":"12/01/2020","AccountCondition":{"desc":null,"code":null},"PaymentStatus":{"desc":"Voluntary surrender","code":"95"},"AccountType":{"desc":"Auto Loan","code":"00"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"12/01/2020","SecondDelinquencyDate":null},{"SpecialComment":{"desc":"ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER (FCBA)","code":"14"},"Evaluation":{"desc":null,"code":null},"OpenDate":"06/01/2020","StatusDate":"11/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":"Lease","code":"13"},"TermsDuration":{"desc":"1 Month","code":"001"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[],"BalanceDate":"11/28/2020","BalanceAmount":null,"Status":{"desc":null,"code":"00"},"AmountPastDue":null,"OpenOrClosed":{"desc":null,"code":null},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Original creditor: EVERGREEN VILLAGE\nAccount in dispute - reported by subscriber (FCBA)","AccountNumber":"","MonthsHistory":"0","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"3980485","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"CONTINENTAL COLLECTION","EnhancedPaymentData":{"InitialPaymentLevelDate":null,"AccountCondition":{"desc":null,"code":null},"PaymentStatus":{"desc":null,"code":null},"AccountType":{"desc":"Lease","code":"13"},"SpecialComment":{"desc":"ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER (FCBA)","code":"14"}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"05/20/2019","StatusDate":"05/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":"Unknown","code":"31"},"TermsDuration":{"desc":"55 Month","code":"055"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$11,458"}],"BalanceDate":"05/01/2020","BalanceAmount":"$0","Status":{"desc":"Paid/zero 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required","code":"P"},"OpenDate":"02/23/2023","StatusDate":"12/01/2023","MaxDelinquencyDate":null,"AccountType":{"desc":"Revolving Charge Account","code":"07"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Joint Account","code":"4"},"Amount":[{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$89"}],"BalanceDate":"12/08/2023","BalanceAmount":"$66","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"6","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCCCC","MonthlyPaymentAmount":"$9","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"10/25/2023","Subcode":"9304840","KOB":{"desc":"Complete Department Stores","code":"DC"},"SubscriberDisplayName":"YOUNKERS INC","EnhancedPaymentData":{"InitialPaymentLevelDate":"12/01/2023","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}],"RiskModel":[{"positiveScoreFactorCodeOne":"P49","positiveScoreFactorCodeTwo":"P07","positiveScoreFactorCodeThree":"P95","positiveScoreFactorCodeFour":"P08","ModelIndicator":{"desc":"Vantage Score 3.0","code":"V3"},"Score":"617","ScoreFactorCodeOne":"98","ScoreFactorCodeTwo":"15","ScoreFactorCodeThree":"63","ScoreFactorCodeFour":"79","ScoreFactorCodeFive":null,"Evaluation":{"desc":null,"code":null}}],"ConsumerAssistanceReferralAddress":{"OfficeName":"EXPERIAN","StreetName":"701 EXPERIAN PARKWAY","POBox":"PO BOX 2002","CityStateZip":"ALLEN, TX 75013","Phone":"(888) 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":"83","MessageText":"0083 SSN NOT PROVIDED"}]}},"BackgroundData":{"success":false,"error":{"Code":"1004","Message":"Invalid Request","Status":400,"FieldErrors":{"dob":"This field is required when requesting BackgroundData","ssn":"This field is required when requesting BackgroundData"}},"report":null}},"transactionId":"1535108"}

/v3/share

Share Tenant's report with PMC identified by token ZGU2MzhjMDYtZDU3OS00OWU4LWEyZTktYzFlYjUyZGYxY2Q2

curl --location 'https://uat-us-api.experian.com/connectapi/v3/share' \
                      --header 'Content-Type: application/x-www-form-urlencoded' \
                      --header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJGaXJzdE5hbWUiOiJMZW9uYXJkbyIsIkxhc3ROYW1lIjoiSmFyYSIsIkVtYWlsIjoibGVvbmFyZG8uamFyYUBleHBlcmlhbi5jb20iLCJpYXQiOjE3MDUwODMxNjIsImV4cCI6MTcwNTA4NDk2MiwiaXNzIjoiRVhQRVJJQU4iLCJzdWIiOiJjYXBpX2xlb191YXQiLCJqdGkiOiJlOWI1NjdhMi02NTFiLTQxYjQtODU2Ny04NmExYjFiZjdiZDUifQ.O7If2UX5Pc8P4poBbiEqh7fith8tZVh-1fV6HLmvdarVI8qOOuovLKz0AMfleb552pYzJCrSHKCUOEWPDMHXney7kyJKBTMetJXs4eKmKrGb7DSKRT3k9ol1elB77WZCKLhGuAKY0Cz_Nc6TIYXbY8vY9fmxxIKqcuvrBio_iXNIs19NnQpzCElnlsUuPy9i8fbH8HYLFxdaZpQspLofLsGtH62RQreAR0IUnjWc2qpZx8oTv-49VJQNmvkxhuLA9mnctliGWNkxLG0CCwNdnwDKsZlCvBZuPW4gPyf-z8aOy5cz7AGlMUJ4_czfRxT_a5_7K9_6LmErCVAuJLMPTw' \
                      --data-urlencode 'transactionId=1535108' \
                      --data-urlencode 'consumerToken=YzZkZjAzZGEtMTIzZC00OWJjLWE5YjQtYmUwODE4ODZhOTJl' \
                      --data-urlencode 'endUserToken=ZGU2MzhjMDYtZDU3OS00OWU4LWEyZTktYzFlYjUyZGYxY2Q2' \
                      --data-urlencode 'purposeType=9' \
                      --data-urlencode 'propertyZip=32216' 

                      {"success":true,"error":null,"reports":{"CreditProfile":{"success":true,"error":null,"report":{"Header":{"ReportDate":"01/12/2024","ReportTime":"12:14:48 PM CT"},"ConsumerIdentity":[{"Name":{"Type":{"desc":null,"code":null},"Surname":"BEENE","First":"MIKE","Middle":null}}],"AddressInformation":[{"FirstReportedDate":"11/06/2023","LastUpdatedDate":"11/07/2023","Origination":{"desc":"Update","code":"2"},"TimesReported":"2","LastReportingSubcode":"6319841","DwellingType":{"desc":"Apartment complex","code":"A"},"HomeOwnership":{"desc":"Apartment complex","code":null},"StreetPrefix":null,"StreetName":"564 MARYLAND AVE APT 31","StreetSuffix":null,"City":"PITTSBURGH","State":"PA","Zip":"15202","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"11/09/2020","LastUpdatedDate":"11/17/2023","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family 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