Connect API
RentBureau® Consumer Profile via Experian Connect API
We’re excited to announce that our Experian Connect API platform now includes the Experian RentBureau® Consumer Profile—a powerful enhancement that delivers deeper insights into applicant rental behavior, helping you make smarter leasing decisions, faster.
What is RentBureau®?
RentBureau® is Experian’s industry-leading rental history database, designed to help property managers and landlords evaluate applicants with greater confidence. It provides access to:
- Verified Rental Payment Data: Access to actual rental payment history reported by property management companies and electronic rent payment services.
- Comprehensive Consumer Insight: Combines rental data with traditional credit information to offer a holistic view of the applicant.
- Real-Time Updates: Data is updated regularly to ensure the most current information is available during the screening process.
How to Obtain It?
This offering is available as part of our unlimited shares solution that includes the Credit Report, VantageScore, Criminal Search, and Housing Court Records.
To retrieve this bundle, use the /v3/report endpoint along with the appropriate productId based on the data you need. The response will return structured information for each component included in the selected bundle.
RentBureau Products
We offer two RentBureau products:
- Product 1: Credit, VantageScore, and RentBureau Consumer Profile - productId: 52
- Product 2: Credit, VantageScore, Criminal Search, Housing Court Records, and RentBureau Consumer Profile - productId: 51
Below are sample JSON responses for each product:
Note
These are sample responses. It may not contain all the fields for RentBureau or Background fields. While we have tried to provide the best example, actual responses may vary depending on the data available.
Bundle Structures
Our platform offers two distinct bundles: a 2-report bundle and a 3-report bundle. Each bundle has its own structure, components, and error handling mechanisms.
2-Report Bundle
This bundle includes:
- Credit Report: Provides detailed credit information.
- RentBureau Consumer Profile: Includes rental history and inquiries.
Field Requirements:
- SSN: Mandatory for RentBureau. Not required for Credit Report.
- DOB: Optional for RentBureau and Credit Report.
Note
If SSN is not provided, the RentBureau report will not be included in the response. The Credit Report will still be provided.
Response Structure for 2-Report Bundle
{
"success": true,
"error": null,
"reports": {
"CreditProfile": { ... },
"RentBureau": { ... }
},
"transactionId": "123456"
}
3-Report Bundle
This bundle includes:
- Credit Report: Provides detailed credit information.
- RentBureau Consumer Profile: Includes rental history and inquiries.
- Background Data: Includes criminal and eviction reports.
Field Requirements:
- SSN: Mandatory for RentBureau and Background Data.
- DOB: Mandatory for Background Data, optional for RentBureau.
Note
If DOB is not provided, the Background Data report will not be included in the response. RentBureau and Credit Report will still be provided.
Response Structure for 3-Report Bundle
{
"success": true,
"error": null,
"reports": {
"CreditProfile": { ... },
"RentBureau": { ... },
"BackgroundData": { ... }
},
"transactionId": "789012"
}
Sample Happy Path Response for Product 1 (Product ID: 52): Credit Report and RentBureau Report
Below is a sample JSON response for RentBureau. You can download the full JSON file or view it in the scrollable window.
{
"success": true,
"error": null,
"reports": {
"CreditProfile": {
"success": true,
"error": null,
"report": {
"Header": {
"ReportDate": "07/09/2025",
"ReportTime": "04:27:16 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": "08/16/2024",
"LastUpdatedDate": "08/16/2024",
"Origination": {
"desc": "Update",
"code": "1"
},
"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": "09/18/2016",
"LastUpdatedDate": "07/10/2024",
"Origination": {
"desc": "Update",
"code": "2"
},
"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": "06/18/2020",
"LastUpdatedDate": "06/18/2020",
"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": "03/2020",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "MERYLAP",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": null,
"Inquiry": [
{
"Date": "02/11/2025",
"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": "01/11/2025",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "11/11/2024",
"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": "10/11/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "09/21/2024",
"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": "07/01/2024",
"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": "07/01/2024",
"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": "06/28/2024",
"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": "06/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "06/21/2024",
"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": "04/08/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "04/01/2024",
"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": "04/01/2024",
"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": "03/28/2024",
"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": "03/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "01/08/2024",
"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": "SPECIALTY CLOTHING STO"
}
],
"TradeLine": [
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "08/25/2024",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Fha Real Estate Loan",
"code": "19"
},
"TermsDuration": {
"desc": "30 Year",
"code": "360"
},
"ECOA": {
"desc": "Joint Account",
"code": "2"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$76,388"
}
],
"BalanceDate": "05/01/2025",
"BalanceAmount": "$75,885",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "6",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCC",
"MonthlyPaymentAmount": "$654",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/08/2025",
"Subcode": "2993370",
"KOB": {
"desc": "Mortgage Companies",
"code": "FM"
},
"SubscriberDisplayName": "US BANK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Fha Real Estate 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": "04/08/2022",
"StatusDate": "09/01/2024",
"MaxDelinquencyDate": "06/01/2022",
"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": "09/21/2024",
"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": "08/28/2024",
"Subcode": "1984304",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "MID CONTINENT CREDIT S",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2024",
"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": "09/01/2022",
"SecondDelinquencyDate": "06/01/2022"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "11/20/2021",
"StatusDate": "09/01/2024",
"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": "09/20/2024",
"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": "09/19/2024",
"Subcode": "9201856",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "COREFIRST BANK & TRUST",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2024",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": null,
"code": "43"
},
"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": "08/24/2024",
"StatusDate": "08/01/2024",
"MaxDelinquencyDate": null,
"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": "$255"
}
],
"BalanceDate": "05/08/2025",
"BalanceAmount": "$287",
"Status": {
"desc": "Seriously past due",
"code": "93"
},
"AmountPastDue": "$287",
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: MCI COMMUNICATIONS",
"AccountNumber": "",
"MonthsHistory": "6",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "6",
"PaymentProfile": "999999",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1982482",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "OTHER COLLECTION AGENC",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "08/01/2024",
"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": "Seriously past due",
"code": "93"
},
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "05/01/2025",
"SecondDelinquencyDate": "04/01/2025"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "01/01/2025",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$154"
}
],
"BalanceDate": "05/21/2025",
"BalanceAmount": "$156",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "5",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCC0",
"MonthlyPaymentAmount": "$20",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "05/06/2025",
"Subcode": "1323470",
"KOB": {
"desc": "Retail, Not Elsewhere Classified",
"code": "ZR"
},
"SubscriberDisplayName": "THE JONES STORE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"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": "01/27/2022",
"StatusDate": "05/01/2025",
"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 balance",
"code": "H"
},
"Value": "$2,058"
}
],
"BalanceDate": "05/06/2025",
"BalanceAmount": "$1,930",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "40",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$58",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/23/2025",
"Subcode": "2133350",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "COMMERCE BK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"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": "02/11/2025",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$75"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$74"
}
],
"BalanceDate": "05/02/2025",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "3",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0CC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "05/02/2025",
"Subcode": "1327500",
"KOB": {
"desc": "Variety Stores",
"code": "DV"
},
"SubscriberDisplayName": "SYNCB/WALMART",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"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": "04/28/2022",
"StatusDate": "04/01/2025",
"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": "$800"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$936"
}
],
"BalanceDate": "04/28/2025",
"BalanceAmount": "$773",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "36",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$30",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/15/2025",
"Subcode": "3240877",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAPITAL ONE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "04/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"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": "02/19/2025",
"StatusDate": "02/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$250"
}
],
"BalanceDate": "02/22/2025",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "1",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1349490",
"KOB": {
"desc": "Clothing -- Non-Specific",
"code": "CZ"
},
"SubscriberDisplayName": "COMENITYBANK/NEWPORTNW",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "02/01/2025",
"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": "P34",
"positiveScoreFactorCodeTwo": "P36",
"positiveScoreFactorCodeThree": "P05",
"positiveScoreFactorCodeFour": "P32",
"ModelIndicator": {
"desc": "Vantage Score 3.0",
"code": "V3"
},
"Score": "593",
"ScoreFactorCodeOne": "12",
"ScoreFactorCodeTwo": "04",
"ScoreFactorCodeThree": "83",
"ScoreFactorCodeFour": "16",
"ScoreFactorCodeFive": "84",
"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": "84",
"MessageText": "0084 SSN MATCHES"
}
]
}
},
"RentBureau": {
"success": true,
"error": null,
"report": {
"RentalHistory": {
"HeaderInformation": {
"ID": {
"SocSecNumber": "XXXXX0133",
"BirthDate": "1974-10-15"
},
"Name": [
{
"FirstName": "Gail",
"MiddleName": "Middle",
"LastName": "Hesser"
}
],
"EmailAddress": [
"email@address.com"
],
"Address": [
{
"Address1": "2170 S C ROAD 43",
"Address2": [
"APT 3484B"
],
"City": "REPUBLIC",
"State": "OH",
"Zip": "44867",
"Type": "current"
}
]
},
"Tradeline": [
{
"TenantInformation": {
"ID": {
"SocSecNumber": "XXXXX0133",
"BirthDate": "1974-10-15"
},
"Name": [
{
"FirstName": "Gail",
"MiddleName": "Middle",
"LastName": "Hesser"
}
],
"EmailAddress": [
"email@address.com"
],
"Address": [
{
"Address1": "2170 S C ROAD 43",
"Address2": [
"APT 3484B"
],
"City": "REPUBLIC",
"State": "OH",
"Zip": "44867",
"Type": "current"
}
]
},
"LeaseInformation": {
"ReportedDate": "2025-03-18",
"LastReportedDate": "2025-03-18",
"FirstReportedDate": "2023-03-31",
"LeaseFrom": "2021-09-01",
"LeaseTo": "2022-08-31",
"MoveInDate": "2021-09-01",
"LastActivityDate": "2025-02-19",
"PaymentVector": "P.......................",
"TotalWriteOffs": "0.00",
"TotalRentWriteOffs": "0.00",
"TotalNonRentWriteOffs": "0.00",
"TotalOutstanding": "0.00",
"Rent": "2825.00",
"LateCount": "0",
"NSFCount": "0",
"LEMO": "N",
"NumLessees": "3",
"Rating": "1",
"DisputeText": "1841-12421099748264938815"
},
"PropertyInformation": {
"CompanyName": {
"Value": "V and L Property Management",
"Id": "1841"
},
"PropertyName": "V and L Property Management",
"Address": {
"Address1": "2170 S C ROAD 43",
"City": "REPUBLIC",
"State": "OH",
"Zip": "44867",
"Type": "property"
},
"EmailAddress": "email@address.com",
"Type": "manager"
}
}
],
"Inquiry": [
{
"InquiryDate": "2025-07-09",
"MemberNumber": "1880716",
"MemberName": "EXPERIAN CONNECT",
"IndustryCode": "RENT",
"RequesterCompanyName": "ALICE BONAR"
},
{
"InquiryDate": "2025-07-08",
"MemberNumber": "1880716",
"MemberName": "EXPERIAN CONNECT",
"IndustryCode": "RENT",
"RequesterCompanyName": "ALICE BONAR"
}
],
"ConsumerStatement": [
{
"Text": "43:Consumer Statement: Another test comsumer statement",
"VictimIndicator": "N"
}
],
"CreditBureau": [
{
"BureauName": "Experian RentBureau",
"Phone": [
{
"PhoneNumber": "18777044519",
"Type": "office"
}
],
"Address": [
{
"Address1": "P.O. Box 26",
"City": "Allen",
"State": "TX",
"Zip": "75013",
"Type": "current"
}
]
}
],
"HitIndicator": "Hit",
"HitType": "RentalHistory"
},
"ClientReferenceNumber": "283992",
"TransactionID": "9ff80479bc6031b4b08856737656bb56",
"ReportDate": "2025-07-09",
"StatusCode": "1",
"StatusDescription": "Success",
"Version": "1.2"
}
}
},
"transactionId": "283992"
}
Sample Happy Path Response for Product 2 (Product ID: 51): Credit Report, Background Report, and RentBureau Report
Below is a sample JSON response for RentBureau. You can download the full JSON file or view it in the scrollable window.
{
"success": true,
"error": null,
"reports": {
"CreditProfile": {
"success": true,
"error": null,
"report": {
"Header": {
"ReportDate": "07/09/2025",
"ReportTime": "01:05:07 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": "08/16/2024",
"LastUpdatedDate": "08/16/2024",
"Origination": {
"desc": "Update",
"code": "1"
},
"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": "09/18/2016",
"LastUpdatedDate": "07/10/2024",
"Origination": {
"desc": "Update",
"code": "2"
},
"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": "06/18/2020",
"LastUpdatedDate": "06/18/2020",
"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": "03/2020",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "MERYLAP",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": null,
"Inquiry": [
{
"Date": "02/11/2025",
"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": "01/11/2025",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "11/11/2024",
"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": "10/11/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "09/21/2024",
"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": "07/01/2024",
"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": "07/01/2024",
"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": "06/28/2024",
"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": "06/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "06/21/2024",
"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": "04/08/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "04/01/2024",
"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": "04/01/2024",
"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": "03/28/2024",
"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": "03/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "01/08/2024",
"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": "SPECIALTY CLOTHING STO"
}
],
"TradeLine": [
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "08/25/2024",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Fha Real Estate Loan",
"code": "19"
},
"TermsDuration": {
"desc": "30 Year",
"code": "360"
},
"ECOA": {
"desc": "Joint Account",
"code": "2"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$76,388"
}
],
"BalanceDate": "05/01/2025",
"BalanceAmount": "$75,885",
"Status": {
"desc": "Current",
"code": "11"
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"AmountPastDue": null,
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"ResponseID": "91"
},
"CICcriminal": {
"Candidates": {
"count": "2",
"Candidate": [
{
"Subject": {
"FullName": "GAIL HESSER",
"DOB": "11/20/1991",
"Category": "CRIMINAL",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS",
"Sex": "MALE",
"Race": "WHITE",
"DriversLicense": "AZ C82188537",
"CaseNumber": "J-1003-CR-201388059",
"State": "AZ",
"Jurisdiction": "PIMA",
"Address": "7977 N CAMERON AVENUE, AJO, AZ, 85321"
},
"Offenses": {
"count": "1",
"Offense": {
"CaseType": "MISDEMEANOR",
"Description": "SHOPLIFTING",
"FilingDate": "07/30/2013",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "08/14/2013",
"Court": "AJO JUSTICE"
}
}
},
{
"Subject": {
"FullName": "GAIL HESSER",
"DOB": "11/20/1991",
"Category": "CRIMINAL",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS",
"Sex": "MALE",
"Race": "WHITE",
"DriversLicense": "AZ C82188537",
"CaseNumber": "J-1003-CR-201588770",
"State": "AZ",
"Jurisdiction": "PIMA",
"Address": "7977 N. CAMERON AVE, AJO, AZ, 85321"
},
"Offenses": {
"count": "2",
"Offense": [
{
"CaseType": "MISDEMEANOR",
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "04/23/2015",
"Disposition": "GUILTY",
"DispositionDate": "05/20/2015",
"Court": "AJO JUSTICE"
},
{
"CaseType": "MISDEMEANOR",
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "04/23/2015",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "05/20/2015",
"Court": "AJO JUSTICE"
}
]
}
}
]
}
}
}
}
},
"evictionReport": {
"success": true,
"response": {
"XML2025": {
"OrderResponse": {
"Name": "HESSER,GAIL",
"FIRST": "GAIL",
"MIDDLE": "",
"LAST": "HESSER",
"Reference": "TESTCASE",
"Message": "Request Processed Successfully",
"DOBSupplied": "10/15/1974",
"ResponseID": "92"
},
"Response": {
"Count": "1",
"Count_West-4": "1",
"Count_National-1": "0",
"Candidate": {
"Zone": "West-4",
"LastName": "HESSER",
"FirstName": "GAIL",
"Address": "8629 ALBEMARLE",
"City": "MELBOURNE",
"State": "FL",
"ZipCode": "32901",
"Activity": {
"Court": "BREVARD CIRCUIT",
"Filing_Date": "12-17-2024",
"Case_No": "CC029871",
"Plaintiff": "LEVINE*RICHARD",
"Plaintiff_Phone": "888-555-7410",
"Notice_Type": "",
"Default": "0",
"Plaintiff_Atty": "LAW OFFICE OF ABC",
"Plaintiff_Atty_Phone": "888-555-8520"
}
}
}
}
}
}
}
}
},
"transactionId": "283987"
}
Download JSON Schema
The JSON schema provided below defines the structure, required fields, and data types for the RentBureau Consumer Profile response. This schema is specific to RentBureau and does not include other components such as Credit Report or Background Data.
Click the link below to download the full JSON schema:
Download RentBureau Response Schema (v1.2)Note
This schema is exclusively for RentBureau Consumer Profile responses. It does not cover Credit Report or Background Data components.
Essential Fields for Registration Process
The Social Security Number (SSN) is a mandatory field for accessing RentBureau and Background Data reports. However, it is not required for retrieving the Credit Report.
Note: These fields are optional in the user registration/passive authentication endpoints. However, if you plan to retrieve RentBureau or Background Data reports, you must provide the SSN and DOB when registering the user to ensure successful report retrieval.
What happens if SSN is not provided?
- For bundles with Background Data (productId: 51):
- The Credit Report will still be provided.
- The RentBureau and Background Data reports will not be included in the response.
- For bundles without Background Data (productId: 52):
- The Credit Report will still be provided.
- The RentBureau report will not be included in the response.
To ensure complete data retrieval, please provide a valid SSN during user registration. This will enable access to all components of the selected report bundle.
Consumer registered without passing SSN
Sample Request with productId :51
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer ' \
--data-urlencode 'productId=51' \
--data-urlencode 'consumerToken=YzkzOGU5NDUtNzdlMy00NjQ0LTkwZDQtNTY0NmJiYjRhYWM1' \
--data-urlencode 'purposeType=1'
Sample Response
{
"success": true,
"error": null,
"reports": {
"CreditProfile": {
"success": true,
"error": null,
"report": {
"Header": {
"ReportDate": "07/10/2025",
"ReportTime": "05:50:10 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": "08/16/2024",
"LastUpdatedDate": "08/16/2024",
"Origination": {
"desc": "Update",
"code": "1"
},
"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": "09/18/2016",
"LastUpdatedDate": "07/10/2024",
"Origination": {
"desc": "Update",
"code": "2"
},
"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": "06/18/2020",
"LastUpdatedDate": "06/18/2020",
"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": "03/2020",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "MERYLAP",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": null,
"Inquiry": [
{
"Date": "02/11/2025",
"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": "01/11/2025",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "11/11/2024",
"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": "10/11/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "09/21/2024",
"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": "07/01/2024",
"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": "07/01/2024",
"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": "06/28/2024",
"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": "06/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "06/21/2024",
"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": "04/08/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "04/01/2024",
"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": "04/01/2024",
"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": "03/28/2024",
"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": "03/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "01/08/2024",
"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": "SPECIALTY CLOTHING STO"
}
],
"TradeLine": [
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "08/25/2024",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Fha Real Estate Loan",
"code": "19"
},
"TermsDuration": {
"desc": "30 Year",
"code": "360"
},
"ECOA": {
"desc": "Joint Account",
"code": "2"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$76,388"
}
],
"BalanceDate": "05/01/2025",
"BalanceAmount": "$75,885",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "6",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCC",
"MonthlyPaymentAmount": "$654",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/08/2025",
"Subcode": "2993370",
"KOB": {
"desc": "Mortgage Companies",
"code": "FM"
},
"SubscriberDisplayName": "US BANK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Fha Real Estate 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": "04/08/2022",
"StatusDate": "09/01/2024",
"MaxDelinquencyDate": "06/01/2022",
"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": "09/21/2024",
"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": "08/28/2024",
"Subcode": "1984304",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "MID CONTINENT CREDIT S",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2024",
"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": "09/01/2022",
"SecondDelinquencyDate": "06/01/2022"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "11/20/2021",
"StatusDate": "09/01/2024",
"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": "09/20/2024",
"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": "09/19/2024",
"Subcode": "9201856",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "COREFIRST BANK & TRUST",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2024",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": null,
"code": "43"
},
"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": "08/24/2024",
"StatusDate": "08/01/2024",
"MaxDelinquencyDate": null,
"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": "$255"
}
],
"BalanceDate": "05/08/2025",
"BalanceAmount": "$287",
"Status": {
"desc": "Seriously past due",
"code": "93"
},
"AmountPastDue": "$287",
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: MCI COMMUNICATIONS",
"AccountNumber": "",
"MonthsHistory": "6",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "6",
"PaymentProfile": "999999",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1982482",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "OTHER COLLECTION AGENC",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "08/01/2024",
"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": "Seriously past due",
"code": "93"
},
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "05/01/2025",
"SecondDelinquencyDate": "04/01/2025"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "01/01/2025",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$154"
}
],
"BalanceDate": "05/21/2025",
"BalanceAmount": "$156",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "5",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCC0",
"MonthlyPaymentAmount": "$20",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "05/06/2025",
"Subcode": "1323470",
"KOB": {
"desc": "Retail, Not Elsewhere Classified",
"code": "ZR"
},
"SubscriberDisplayName": "THE JONES STORE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"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": "01/27/2022",
"StatusDate": "05/01/2025",
"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 balance",
"code": "H"
},
"Value": "$2,058"
}
],
"BalanceDate": "05/06/2025",
"BalanceAmount": "$1,930",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "40",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$58",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/23/2025",
"Subcode": "2133350",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "COMMERCE BK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"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": "02/11/2025",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$75"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$74"
}
],
"BalanceDate": "05/02/2025",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "3",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0CC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "05/02/2025",
"Subcode": "1327500",
"KOB": {
"desc": "Variety Stores",
"code": "DV"
},
"SubscriberDisplayName": "SYNCB/WALMART",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"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": "04/28/2022",
"StatusDate": "04/01/2025",
"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": "$800"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$936"
}
],
"BalanceDate": "04/28/2025",
"BalanceAmount": "$773",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "36",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$30",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/15/2025",
"Subcode": "3240877",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAPITAL ONE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "04/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"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": "02/19/2025",
"StatusDate": "02/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$250"
}
],
"BalanceDate": "02/22/2025",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "1",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1349490",
"KOB": {
"desc": "Clothing -- Non-Specific",
"code": "CZ"
},
"SubscriberDisplayName": "COMENITYBANK/NEWPORTNW",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "02/01/2025",
"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": "P34",
"positiveScoreFactorCodeTwo": "P36",
"positiveScoreFactorCodeThree": "P05",
"positiveScoreFactorCodeFour": "P32",
"ModelIndicator": {
"desc": "Vantage Score 3.0",
"code": "V3"
},
"Score": "593",
"ScoreFactorCodeOne": "12",
"ScoreFactorCodeTwo": "04",
"ScoreFactorCodeThree": "83",
"ScoreFactorCodeFour": "16",
"ScoreFactorCodeFive": "84",
"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"
}
]
}
},
"RentBureau": {
"success": false,
"error": {
"Code": "1004",
"Message": "Invalid Request",
"Status": 400,
"FieldErrors": {
"ssn": "This field is required when requesting RentBureau"
}
},
"report": null
},
"BackgroundData": {
"success": false,
"error": {
"Code": "1004",
"Message": "Invalid Request",
"Status": 400,
"FieldErrors": {
"ssn": "This field is required when requesting BackgroundData"
}
},
"report": null
}
},
"transactionId": "284453"
}
What happens if DOB is not provided?
Date of Birth (DOB) Requirement for Background Data but optional for Rentbureau:
The Date of Birth (DOB) is a mandatory field for accessing Background Data reports. However, it is not required for retrieving the Credit Report and Rentbureau report.
If the DOB is not provided:
- You will still receive the Credit Report and Rentbureau report
- The Background Data reports will not be included in the response.
To ensure complete data retrieval, please provide a valid DOB during user registration. This will enable access to all components of the report bundle.
Consumer registered without passing DOB
Sample Request with productId :51
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer ' \
--data-urlencode 'productId=51' \
--data-urlencode 'consumerToken=YzkzOGU5NDUtNzdlMy00NjQ0LTkwZDQtNTY0NmJiYjRhYYUF' \
--data-urlencode 'purposeType=1'
Sample Response
{
"success": true,
"error": null,
"reports": {
"CreditProfile": {
"success": true,
"error": null,
"report": {
"Header": {
"ReportDate": "07/10/2025",
"ReportTime": "06:02:47 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": "08/16/2024",
"LastUpdatedDate": "08/16/2024",
"Origination": {
"desc": "Update",
"code": "1"
},
"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": "09/18/2016",
"LastUpdatedDate": "07/10/2024",
"Origination": {
"desc": "Update",
"code": "2"
},
"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": "06/18/2020",
"LastUpdatedDate": "06/18/2020",
"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": "03/2020",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "MERYLAP",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": null,
"Inquiry": [
{
"Date": "02/11/2025",
"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": "01/11/2025",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "11/11/2024",
"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": "10/11/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "09/21/2024",
"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": "07/01/2024",
"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": "07/01/2024",
"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": "06/28/2024",
"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": "06/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "06/21/2024",
"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": "04/08/2024",
"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": "SPECIALTY CLOTHING STO"
},
{
"Date": "04/01/2024",
"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": "04/01/2024",
"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": "03/28/2024",
"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": "03/24/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6905630",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "01/08/2024",
"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": "SPECIALTY CLOTHING STO"
}
],
"TradeLine": [
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "08/25/2024",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Fha Real Estate Loan",
"code": "19"
},
"TermsDuration": {
"desc": "30 Year",
"code": "360"
},
"ECOA": {
"desc": "Joint Account",
"code": "2"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$76,388"
}
],
"BalanceDate": "05/01/2025",
"BalanceAmount": "$75,885",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "6",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCC",
"MonthlyPaymentAmount": "$654",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/08/2025",
"Subcode": "2993370",
"KOB": {
"desc": "Mortgage Companies",
"code": "FM"
},
"SubscriberDisplayName": "US BANK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Fha Real Estate 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": "04/08/2022",
"StatusDate": "09/01/2024",
"MaxDelinquencyDate": "06/01/2022",
"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": "09/21/2024",
"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": "08/28/2024",
"Subcode": "1984304",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "MID CONTINENT CREDIT S",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2024",
"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": "09/01/2022",
"SecondDelinquencyDate": "06/01/2022"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "11/20/2021",
"StatusDate": "09/01/2024",
"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": "09/20/2024",
"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": "09/19/2024",
"Subcode": "9201856",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "COREFIRST BANK & TRUST",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "09/01/2024",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": null,
"code": "43"
},
"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": "08/24/2024",
"StatusDate": "08/01/2024",
"MaxDelinquencyDate": null,
"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": "$255"
}
],
"BalanceDate": "05/08/2025",
"BalanceAmount": "$287",
"Status": {
"desc": "Seriously past due",
"code": "93"
},
"AmountPastDue": "$287",
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: MCI COMMUNICATIONS",
"AccountNumber": "",
"MonthsHistory": "6",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "6",
"PaymentProfile": "999999",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1982482",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "OTHER COLLECTION AGENC",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "08/01/2024",
"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": "Seriously past due",
"code": "93"
},
"AccountType": {
"desc": "Collection Department/Agency/Attorney",
"code": "48"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "05/01/2025",
"SecondDelinquencyDate": "04/01/2025"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "01/01/2025",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$154"
}
],
"BalanceDate": "05/21/2025",
"BalanceAmount": "$156",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "5",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCC0",
"MonthlyPaymentAmount": "$20",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "05/06/2025",
"Subcode": "1323470",
"KOB": {
"desc": "Retail, Not Elsewhere Classified",
"code": "ZR"
},
"SubscriberDisplayName": "THE JONES STORE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"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": "01/27/2022",
"StatusDate": "05/01/2025",
"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 balance",
"code": "H"
},
"Value": "$2,058"
}
],
"BalanceDate": "05/06/2025",
"BalanceAmount": "$1,930",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "40",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$58",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/23/2025",
"Subcode": "2133350",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "COMMERCE BK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"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": "02/11/2025",
"StatusDate": "05/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$75"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$74"
}
],
"BalanceDate": "05/02/2025",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "3",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0CC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "05/02/2025",
"Subcode": "1327500",
"KOB": {
"desc": "Variety Stores",
"code": "DV"
},
"SubscriberDisplayName": "SYNCB/WALMART",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "05/01/2025",
"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": "04/28/2022",
"StatusDate": "04/01/2025",
"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": "$800"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$936"
}
],
"BalanceDate": "04/28/2025",
"BalanceAmount": "$773",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "36",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$30",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "04/15/2025",
"Subcode": "3240877",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAPITAL ONE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "04/01/2025",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"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": "02/19/2025",
"StatusDate": "02/01/2025",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$250"
}
],
"BalanceDate": "02/22/2025",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "1",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1349490",
"KOB": {
"desc": "Clothing -- Non-Specific",
"code": "CZ"
},
"SubscriberDisplayName": "COMENITYBANK/NEWPORTNW",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "02/01/2025",
"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": "P34",
"positiveScoreFactorCodeTwo": "P36",
"positiveScoreFactorCodeThree": "P05",
"positiveScoreFactorCodeFour": "P32",
"ModelIndicator": {
"desc": "Vantage Score 3.0",
"code": "V3"
},
"Score": "593",
"ScoreFactorCodeOne": "12",
"ScoreFactorCodeTwo": "04",
"ScoreFactorCodeThree": "83",
"ScoreFactorCodeFour": "16",
"ScoreFactorCodeFive": "84",
"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": "84",
"MessageText": "0084 SSN MATCHES"
}
]
}
},
"RentBureau": {
"success": true,
"error": null,
"report": {
"RentalHistory": {
"HeaderInformation": {
"ID": {
"SocSecNumber": "XXXXX0133",
"BirthDate": "1974-10-15"
},
"Name": [
{
"FirstName": "Gail",
"MiddleName": "Middle",
"LastName": "Hesser"
}
],
"EmailAddress": [
"email@address.com"
],
"Address": [
{
"Address1": "2170 S C ROAD 43",
"Address2": [
"APT 3484B"
],
"City": "REPUBLIC",
"State": "OH",
"Zip": "44867",
"Type": "current"
}
]
},
"Tradeline": [
{
"TenantInformation": {
"ID": {
"SocSecNumber": "XXXXX0133",
"BirthDate": "1974-10-15"
},
"Name": [
{
"FirstName": "Gail",
"MiddleName": "Middle",
"LastName": "Hesser"
}
],
"EmailAddress": [
"email@address.com"
],
"Address": [
{
"Address1": "2170 S C ROAD 43",
"Address2": [
"APT 3484B"
],
"City": "REPUBLIC",
"State": "OH",
"Zip": "44867",
"Type": "current"
}
]
},
"LeaseInformation": {
"ReportedDate": "2025-03-18",
"LastReportedDate": "2025-03-18",
"FirstReportedDate": "2023-03-31",
"LeaseFrom": "2021-09-01",
"LeaseTo": "2022-08-31",
"MoveInDate": "2021-09-01",
"LastActivityDate": "2025-02-19",
"PaymentVector": "P.......................",
"TotalWriteOffs": "0.00",
"TotalRentWriteOffs": "0.00",
"TotalNonRentWriteOffs": "0.00",
"TotalOutstanding": "0.00",
"Rent": "2825.00",
"LateCount": "0",
"NSFCount": "0",
"LEMO": "N",
"NumLessees": "3",
"Rating": "1",
"DisputeText": "1841-12421099748264938815"
},
"PropertyInformation": {
"CompanyName": {
"Value": "V and L Property Management",
"Id": "1841"
},
"PropertyName": "V and L Property Management",
"Address": {
"Address1": "2170 S C ROAD 43",
"City": "REPUBLIC",
"State": "OH",
"Zip": "44867",
"Type": "property"
},
"EmailAddress": "email@address.com",
"Type": "manager"
}
}
],
"Inquiry": [
{
"InquiryDate": "2025-07-10",
"MemberNumber": "1880716",
"MemberName": "EXPERIAN CONNECT",
"IndustryCode": "RENT",
"RequesterCompanyName": "ALICE BONAR"
},
{
"InquiryDate": "2025-07-09",
"MemberNumber": "1880716",
"MemberName": "EXPERIAN CONNECT",
"IndustryCode": "RENT",
"RequesterCompanyName": "ALICE BONAR"
},
{
"InquiryDate": "2025-07-08",
"MemberNumber": "1880716",
"MemberName": "EXPERIAN CONNECT",
"IndustryCode": "RENT",
"RequesterCompanyName": "ALICE BONAR"
}
],
"ConsumerStatement": [
{
"Text": "43:Consumer Statement: Another test comsumer statement",
"VictimIndicator": "N"
}
],
"CreditBureau": [
{
"BureauName": "Experian RentBureau",
"Phone": [
{
"PhoneNumber": "18777044519",
"Type": "office"
}
],
"Address": [
{
"Address1": "P.O. Box 26",
"City": "Allen",
"State": "TX",
"Zip": "75013",
"Type": "current"
}
]
}
],
"HitIndicator": "Hit",
"HitType": "RentalHistory"
},
"ClientReferenceNumber": "284454",
"TransactionID": "f9f236fca24438a9b7d2f93b1b2830e2",
"ReportDate": "2025-07-10",
"StatusCode": "1",
"StatusDescription": "Success",
"Version": "1.2"
}
},
"BackgroundData": {
"success": false,
"error": {
"Code": "1004",
"Message": "Invalid Request",
"Status": 400,
"FieldErrors": {
"dob": "This field is required when requesting BackgroundData"
}
},
"report": null
}
},
"transactionId": "284454"
}
Test Consumers
The following test consumers are available for validating this bundle. Please use the corresponding consumer tokens in the consumerToken field during testing.
| Last Name | Middle Name | First Name | Expected Output | Consumer Tokens |
|---|---|---|---|---|
| Hesser | Gail | RentBureau Consumer Profile + Credit Report + VantageScore + Criminal & Housing Court Records - Record hit with Consumer statements | NGJiOTA3NmMtZjViNS00MDk2LTlhYTAtMThhZjZkYzE3MTcw | |
| Allen | Ralph | RentBureau Consumer Profile + Credit Report + VantageScore + Criminal & Housing Court Records - Record hit with RentalHistory-HeaderInformation, EmailAddress list, RentalHistory-HeaderInformation-Employment list | Y2MxOGFiNTYtMzFhMy0xMWYwLWFjZjgtZjBkNDE1YmQwNjIy | |
| Ott | Barbara | Blocked for Credit report + RentBureau Consumer Profile hit + Criminal & Housing Court Records -No Record hit | OGQ4MjBhNTYtNTA2Yi0xMWYwLWI3N2ItMTI4NjJhZDA4NTY3 | |
| Young | E | Charles | RentBureau Consumer Profile (Only Inquiries) + Credit Report + VantageScore + Criminal & Housing Court Records | ODlmZjEzYjktMzFhMi0xMWYwLTliNmItZjBkNDE1YmQwNjIy |
| Russell | Izell | RentBureau Consumer Profile (Collection Data) + Credit Report + VantageScore (will have an exclusion score of 004) + Criminal & Housing Court Records | MjA3NGE3MGMtMzFhMy0xMWYwLWE5MjUtZjBkNDE1YmQwNjIy | |
| Cox | James | RentBureau Consumer Profile Record Hit, No Record Found in Credit Report and No Criminal or Housing Court Records | MjA4Mjc1MzItMzFhNS0xMWYwLTk3OTgtZjBkNDE1YmQwNjIy | |
| Spraggins | L | Jenny | Credit Report + VantageScore + Security freeze applied to Criminal Records, Housing Court Records,RentBureau Consumer Profile | YmI1NjI3MzAtMzFhNS0xMWYwLWJmNmYtZjBkNDE1YmQwNjIy |
| Bowser | L | Rebecca | RentBureau Hit + Credit FRAUD (error 9004 and statusCode 500) + No CIC data | ZGI4N2RkN2ItMzFhOC0xMWYwLTg5YjAtZjBkNDE1YmQwNjIy |
| Ferney | Frances | RentBureau No Hit + Credit FRAUD + CIC HIT | ODIyMzhlMmUtMzFhOS0xMWYwLThkMDgtZjBkNDE1YmQwNjIy | |
| Eggleston | Mary | RentBureau Hit + Credit + Vantage 3 + Background Data Service Unavailable | NzZlMzRkMmUtMzFhNi0xMWYwLWFhMjgtZjBkNDE1YmQwNjIy | |
| Craven | W | Christopher | RentBureau Service error (error 9205 and statusCode 900) + Credit + Vantage 3 + Background Data | YjI1YTY5MTEtOTg3OS00NjViLWE5ZGUtZmVlNmE1ZDBkMzA3 |
Errors
These errors are specific to RentBureau. The position column indicates the location within the JSON response where each error can be found.
| Position | Description | HTTP Status | Error Code | Message |
|---|---|---|---|---|
| Rentbureau level | When the RentBureau service is having an unexpected error | 500 | 9205 | RentBureau service internal error. Please contact Experian Connect API support team. |
| Rentbureau level | When the RentBureau service is is not enabled in Origin | 500 | 7002 | RentBureau service internal error. Please contact Experian Connect API support team. |
| Rentbureau | Missing required field (e.g., SSN ) | 400 | 1004 | Invalid Request. Required field is missing. |
| Background report | Missing required field (e.g., SSN,DOB ) | 400 | 1004 | Invalid Request. Required field is missing. |
| Top level | Interruption of reports due to minor credit report | 422 | 9110 | Minor report. |
| Top level | Unexpected error in report generation | 400 | 9019 | General report error. |
Example JSON Response for Top Level Error
{
"success": false,
"error": {
"Code": "9019",
"Message": "General Report Error",
"Status": 400,
"FieldErrors": null
},
"reports": {
"CreditProfile": {
"success": false,
"error": {
"Code": "10403",
"Message": "SS# REQUIRED TO ACCESS CONSUMERS FILE",
"Status": 400,
"FieldErrors": null
},
"report": null
},
"RentBureau": {
"success": false,
"error": {
"Code": "1004",
"Message": "Invalid Request",
"Status": 400,
"FieldErrors": {
"ssn": "This field is required when requesting RentBureau"
}
},
"report": null
},
"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": null
}
Note
This error occurs at the outer report level when all requested reports in the bundle fail. Ensure that the required fields (e.g., SSN, DOB) are provided to avoid this error.
More Information
For more information about Product Bundles, see the Product Bundle Guide
Credit Profile/Background Data bundle uses V3 Error Codes for Bundles
Onboarding
Welcome to the Experian Connect API platform! To get started with RentBureau Consumer Profile integration, follow these steps:
- Sign Up: Register for access to the Experian Connect API platform.
- API Documentation: Review the API documentation to understand endpoints, request formats, and response structures.
- Test Environment: Use the provided test consumers and sandbox environment to validate your integration.
- Authentication: Set up authentication using your API keys and tokens.
- Implementation: Implement the RentBureau Consumer Profile in your application using the sample responses and error handling guidelines.
- Enable RentBureau in Origin: Ensure that RentBureau is enabled in the origin for the subcode. If RentBureau is not enabled and consumers attempt to pull a product containing RentBureau (e.g., product IDs 51 or 52), they will receive the following error:
{ "success": true, "error": null, "reports": { "CreditProfile": { "success": true, "error": null, "report": { ..... } }, "RentBureau": { "success": false, "error": { "Code": "7002", "Message": "Product (RentBureau Consumer Profile) is not enabled in Origin. Please contact Tenant Screening Production Support.", "Status": 500, "FieldErrors": null }, "report": null } }, "transactionId": "2653061" }Note: Consumers will still receive other reports in the bundle, but RentBureau will not be available.
- Support: Contact the Experian Connect API support team for assistance during onboarding.
For additional resources and support, visit the Help Center.