Request Method :: POST

Description: The Experian Bureau Report API provides a seamless way to access detailed credit information for individuals directly from Experian. By using key identifiers such as mobile number, PAN, first name, and last name, the API allows users to obtain comprehensive credit reports that support accurate evaluation of a customer’s credit profile. This service is highly valuable for financial institutions, lenders, and businesses that require dependable credit data to make informed lending decisions, manage risk effectively, and meet regulatory compliance requirements.

Headers

---

Content-Type: application/JSON

header_secrets: Please refer to the steps for generating the header_secrets

pass_key:  To be shared during integration by ISU Team

Request Body Parameters

Parameters	Parameter description with Sample	Data type	Mandatory/Optional/Conditional
phoneNumber	Phone Number E.g. - 9978******	String	Mandatory
pan	Pan E.g. - GSRED7****	string	Mandatory
firstName	First Name E.g- RAHUL	String	Mandatory
lastName	Last Name E.g- KUMAR	String	Mandatory
dateOfBirth	Date of Birth of the card holder E.g. - 2002-02-11	String	Mandatory
pincode	PIN Code E.g. - 768067	String	Mandatory
consent	Concent Details	Object	Mandatory
consentFlag	Consent Flag E.g. - true/false	Boolean	Mandatory
consentTimestamp	Timestamp of Consent E.g. - 1707685055	Timestamp	Mandatory
consentIpAddress	IP Address of Consent E.g. - 127.0.0.1	String	Mandatory
consentMessageId	Message ID of Consent E.g. - CM_1	String	Mandatory

Sample Request Body

---

{ "phoneNumber": "9978******", "pan": "GSRED7****", "firstName": "RAHUL", "lastName": "KUMAR", "dateOfBirth": "2002-02-11", "pincode": "768067", "consent": { "consentFlag": true, "consentTimestamp": "1707685055", "consentIpAddress": "127.0.0.1", "consentMessageId": "CM_1" } }

Encrypted Sample Request Body

---

{ "RequestData": "rddZA3vfKlF7Y3/tCm6g0HQexTCjw+8uHhbdJrNWnA8wff+7rHpSjR7+wjj/ Qk+7d+vxUvWYzcZryR/VfDy7YtUymNXdVn5Hpa1nXXv9zYMHoo6r3N/HYHv/ 3yyPI18mmq2hHqGqFRWvhKRZcK2Tgc48jJZHhj6lAizsH9j4khbJF+lEy+9htLy6tGgSvtKzs9bZ/ m9OgtkkAOnSguN0YXq/FGPJCd4XafSXNYoJHaGqo26W5MnNZJ70OaSxkpffqGAAqre6o0jR+hR/ ydWYICzhlwR4miNqc4ztAbhKfPe9HmCcO1E8u2bxCGdPbn2bzt2w7slVyAlDEAC9XDSJqilcwgwyjW8PGdJy COTem6o=" }

Response Body Parameters

Click Here to View the Response Body Parameters

Sample Response Body

---

SUCCESS:

{ "statusCode": 0, "status": "SUCCESS", "statusDesc": "Successfully fetched experian report", "data": { "statusCode": 200, "message": "SUCCESS", "data": { "jsonExperianReport": { "Header": { "SystemCode": 0, "MessageText": "", "ReportDate": "", "ReportTime": "" }, "UserMessage": { "UserMessageText": "" }, "CreditProfileHeader": { "ReportDate": 20251120, "ReportTime": 121521, "Version": "V2.4", "ReportNumber": 1763621121532 }, "Current_Application": { "Current_Application_Details": { "Enquiry_Reason": 99, "Finance_Purpose": 99, "Amount_Financed": 0, "Duration_Of_Agreement": 0, "Current_Applicant_Details": { "Last_Name": "KUMAR", "First_Name": "RAHUL", "Middle_Name1": "KUMAR", "Middle_Name2": "", "Middle_Name3": "", "Gender_Code": 1, "IncomeTaxPan": "GSRED7****", "Date_Of_Birth_Applicant": 20000531, "Telephone_Number_Applicant_1st": "", "Telephone_Extension": "", "Telephone_Type": 0, "MobilePhoneNumber": "", "EMailId": "RAHULSANKARNA11@GMAIL.COM", "genderCodeDescription": "Male" }, ........ } }

 

FAILED:

Validation Failure:

{ "statusCode": 2, "status": "FAILED", "statusDesc": "Experian report generation failed", "data": { "message": "consentMessageId can't contain any spaces or should not be only space" } }

Failure:

{ "statusCode": 1, "status": "FAILED", "statusDesc": "Experian report generation failed", "data": { "statusCode": 404, "message": "No Record Found" } }

Encrypted Sample Response Body

---

{ "ResponseData": "EE6V+m0GHnGryRZhcE0XRbqAayBqTPJSX/ lFalXrNsKSIoqaALdLAmrb0cfh3LDKKJlQnazu+M2xjhvHPjDENntrkHX1hwf2HdRMLGQ+TzfZjVuDiyq/ ikzXfIDnDAXDiDNShowXiN4obQ4irbsyQeONDa18EfGQkqy87gIGlC72m3q0iZbMkxBZF430MY5KnXTjKURlvg WcgAI3pdf7ooIZqUeC+FoiSRioPKPa7TP8ckhY6Sw68QXqQAkCZk2fmaF1mrTGiIt6Ah4zbqd23YNrsXoKl0Oy C51Tyb48KPU5bTT0e734oHevbjxhrtx8Rfjk3DOtWnXcl+GZi0f4DQhJqp8NhPKz2Z4Vo9+Vg5a5l/ 55mivzchFcFhmumJkNqJEpuhbqPIUTGYQ7vhbENUqfDrcXrQmmUQKfDkhJu4jYnHWLVfmGOli6eq7R443Ol PKJ6XIkQvnp8uIEvwS6PRMjhk8Yv3jn+dJ6b7JabZ40ZX9M/ fzxYBUuJtzTYBj3vTxmIqct19wrWh4ojkB19y………………" }

Status Codes

Code	Significance	Description
0	SUCCESS	Successfully fetched experian report
1	FAILED	Experian report generation failed
2	FAILED	Experian report generation failed