Experian Business Contacts

Experian Business Contacts returns known owners, principals, contacts, titles, and business affiliations for a matched US business. The Experian Business Contacts Workflow Builder block is in the Business Contacts category, supports business entities, and runs one service:

Service	Service ID	Purpose
Business Contacts	`experian_business_contacts`	Returns known individual and company owners or principals, contacts and titles, and other business affiliations.

Purpose

Use this service to compare the people and companies associated with an Experian business record against the information supplied on an application. Provider associations can support identity and ownership review, but they are not proof of current beneficial ownership and are not a Lendflow approval or decline decision.

Requirements

Application field	Requirement	Notes
Existing Experian BIN	Conditional	Required unless automatic Business Match is used.
Business legal name	Conditional	Required for automatic Business Match when no BIN is stored.
Business city	Conditional	Required for automatic Business Match when no BIN is stored.
Business state	Conditional	Required for automatic Business Match when no BIN is stored; use a valid US state.
Business country	Required	Use `US`.
Business street	Optional	Improves match quality.
Business ZIP code	Optional	Improves match quality; use a valid US ZIP code.
Business telephone	Optional	Improves match quality; use a valid US phone number.
EIN	Optional	Improves match quality; use a valid EIN.

When no BIN is stored, Lendflow runs Business Match before requesting the report.

API flow

Authenticate with a Bearer integration token that can access the application and run underwriting services.
Call Enrich Business Credit Application at PUT /api/applications/{application_id}/enrich.
Set provider to experian_business_contacts.
Do not send options.
Include stage_id only when the application’s workflow requires a specific underwriting stage.
Confirm that the response contains data.onqueue: true.
Poll Get Commercial Data with services[]=experian_business_contacts.

{
  "provider": "experian_business_contacts"
}

The request is asynchronous. data.onqueue: true means Lendflow queued the job; it does not mean Experian returned a result.

Commercial-data path	Content
`commercial_data.experian.contacts`	Normalized provider result.
`statuses.experian.contacts`	Latest Lendflow lifecycle message.
`request_data.experian.contacts`	Stored request containing the BIN and subcode. Treat both as sensitive operational identifiers.

Internally, Lendflow sends a POST request to Experian’s /businessinformation/businesses/v1/businesscontacts endpoint.

Data Orchestration availability

Experian Business Contacts is not exposed as an operation in the current Data Orchestration service catalog. Run it through the Experian Business Contacts underwriting Workflow Builder block or the application enrichment API. If no BIN is stored, either path automatically attempts Experian Business Match first.

What the service returns

Response area	Meaning
`businessHeader`	Identity record for the matched Experian business.
`individualOwnersAndPrincipals`	Individuals reported as owners or principals, including reported date and ownership-related indicators.
`companyOwnersAndPrincipals`	Companies reported as owners or principals.
`contactsAndTitles`	Business contacts, titles, activity indicators, and provider source.
`contactsBusinessAffiliations`	Other businesses associated with returned contacts.

Arrays can be empty and individual fields can be omitted or null when Experian does not have the data.

Representative response

{
  "businessHeader": {
    "bin": "123456789",
    "businessName": "EXAMPLE BUSINESS LLC",
    "address": {
      "street": "100 MAIN ST",
      "city": "AUSTIN",
      "state": "TX",
      "zip": "78701",
      "zipExtension": null
    },
    "phone": "+15125550100",
    "taxId": null,
    "websiteUrl": "example.com",
    "legalBusinessName": "EXAMPLE BUSINESS LLC",
    "dbaNames": null,
    "customerDisputeIndicator": false
  },
  "individualOwnersAndPrincipals": [{
    "dateReported": "2024-12-27",
    "currentOwnerIndicator": true,
    "firstName": "JANE",
    "lastName": "DOE",
    "generationCode": null,
    "emailAddress": "jane@example.com",
    "ownerIsGuarantorIndicator": true,
    "percentOfFinancialObligation": 58,
    "nameAddressChangeIndicator": false
  }],
  "companyOwnersAndPrincipals": [{
    "dateReported": "2024-12-27",
    "currentOwnerIndicator": true,
    "businessName": "EXAMPLE HOLDINGS LLC",
    "taxId": "XXXXX4185",
    "taxIdType": {
      "code": "1",
      "definition": "Federal Tax ID"
    },
    "percentOfFinancialObligation": 42
  }],
  "contactsAndTitles": [{
    "sequenceNumber": 1,
    "cid": "SANITIZED-CID",
    "title": "CEO",
    "contactActivityIndicator": true,
    "contactSupplier": "Experian",
    "firstName": "JANE",
    "lastName": "DOE"
  }],
  "contactsBusinessAffiliations": [{
    "sequenceNumber": 1,
    "cid": "SANITIZED-CID",
    "title": "CEO",
    "businessName": "EXAMPLE AFFILIATE LLC",
    "bin": "987654321"
  }]
}

Response attributes

Business identity

Attribute	Type	Meaning	Possible values or units	When returned
`businessHeader.bin`	String	Experian BIN for the matched business.	Provider identifier, commonly nine digits.	When available.
`businessHeader.businessName`	String	Business name on the matched record.	Provider text.	When available.
`businessHeader.address`	Object	Matched business address.	`street`, `city`, `state`, `zip`, and `zipExtension`.	When address data exists.
`businessHeader.phone`	String or null	Business telephone.	Provider-formatted telephone or `null`.	When available.
`businessHeader.taxId`	String or null	Tax identifier returned by Experian.	Sensitive string or `null`.	When available.
`businessHeader.websiteUrl`	String or null	Business website.	Provider URL text or `null`.	When available.
`businessHeader.legalBusinessName`	String or null	Verified legal name.	Provider text or `null`.	When available.
`businessHeader.dbaNames`	Array of strings or null	Doing-business-as names.	Zero or more names, or `null`.	When available.
`businessHeader.customerDisputeIndicator`	Boolean	Whether the business disputed profile information.	`true` or `false`.	When returned.
`businessHeader.matchingBranchAddress`	Object or null	Address of a matching branch.	Can contain `bin`, `street`, `city`, `state`, `zip`, and `zipExtension`.	When Experian matches a branch.
`businessHeader.branchLocation`	Object or null	Matched branch identity.	Can contain `bin` and `locationId`.	When available.

Owners and principals

Attribute	Type	Meaning	Possible values or units	When returned
`individualOwnersAndPrincipals[]`	Array of objects	Individuals reported as owners or principals.	Zero or more records.	When Experian has individual records.
`individualOwnersAndPrincipals[].dateReported`	String	Date the association was reported.	`YYYY-MM-DD` in current examples.	When available.
`individualOwnersAndPrincipals[].currentOwnerIndicator`	Boolean	Whether Experian identifies the person as a current owner.	`true` or `false`.	When returned.
`individualOwnersAndPrincipals[].firstName`	String	First name.	Provider text.	When available.
`individualOwnersAndPrincipals[].middleName`	String or null	Middle name.	Provider text or `null`.	When available.
`individualOwnersAndPrincipals[].lastName`	String	Last name.	Provider text.	When available.
`individualOwnersAndPrincipals[].generationCode`	String or null	Name suffix.	Provider text such as `JR`, or `null`.	When available.
`individualOwnersAndPrincipals[].emailAddress`	String or null	Reported email address.	Email string or `null`.	When available.
`individualOwnersAndPrincipals[].ownerIsGuarantorIndicator`	Boolean	Whether the person is reported as a guarantor.	`true` or `false`.	When returned.
`individualOwnersAndPrincipals[].address`	Object or null	Reported owner address.	Street, city, state, ZIP, and ZIP extension.	When available.
`individualOwnersAndPrincipals[].percentOfFinancialObligation`	Number or null	Reported financial obligation or ownership percentage.	Percentage or `null`.	When available.
`individualOwnersAndPrincipals[].nameAddressChangeIndicator`	Boolean	Whether Experian reports a name or address change.	`true` or `false`.	When returned.
`companyOwnersAndPrincipals[]`	Array of objects	Companies reported as owners or principals.	Zero or more records.	When Experian has company records.
`companyOwnersAndPrincipals[].businessName`	String	Reported company name.	Provider text.	When available.
`companyOwnersAndPrincipals[].taxId`	String or null	Masked or unmasked tax identifier returned by Experian.	Sensitive provider string or `null`.	When available.
`companyOwnersAndPrincipals[].taxIdType`	Object or null	Type of tax identifier.	`code` and `definition`.	When available.
`companyOwnersAndPrincipals[].phone`	String or null	Reported company telephone.	Provider-formatted string or `null`.	When available.
`companyOwnersAndPrincipals[].percentOfFinancialObligation`	Number or null	Reported obligation or ownership percentage.	Percentage or `null`.	When available.

Contacts and affiliations

Attribute	Type	Meaning	Possible values or units	When returned
`contactsAndTitles[]`	Array of objects	Contacts and their reported titles.	Zero or more records.	When available.
`contactsAndTitles[].sequenceNumber`	Number	Provider display order.	Integer.	For each item.
`contactsAndTitles[].cid`	String	Experian contact identifier.	Provider identifier.	When available.
`contactsAndTitles[].title`	String or null	Reported business title.	Provider text or `null`.	When available.
`contactsAndTitles[].contactActivityIndicator`	Boolean	Whether the contact is likely active with the business.	`true` or `false`.	When returned.
`contactsAndTitles[].contactSupplier`	String or null	Source of the contact information.	Provider text.	When available.
`contactsAndTitles[].firstName`, `.middleName`, `.lastName`	String or null	Contact name.	Provider text or `null`.	When available.
`contactsBusinessAffiliations[]`	Array of objects	Businesses associated with returned contacts.	Zero or more records.	When available.
`contactsBusinessAffiliations[].bin`	String or null	Experian BIN of an affiliated business.	Provider identifier or `null`.	When available.
`contactsBusinessAffiliations[].businessName`	String or null	Affiliated business name.	Provider text or `null`.	When available.
`contactsBusinessAffiliations[].address`	Object or null	Affiliated business address.	Street, city, state, ZIP, and ZIP extension.	When available.

Errors and statuses

Condition or value	Meaning
`No Business found - {business name}`	Automatic Business Match did not return a BIN, so Business Contacts was not requested.
`Country code is required to authenticate with Experian`	The business address lacks the country context required for authentication.
`Unable to retrieve Experian bearer token`	Experian authentication returned no access token.
BIN or subcode validation error	The provider request requires both values as non-empty strings.
Provider or HTTP error	Experian rejected the request or returned an error.
`Not yet started`	Lendflow has no service log for Business Contacts.
`Started`	Lendflow started the job.
`Success`	Lendflow stored a successful provider response.
Error message	The job failed; inspect the latest message.

FAQ

Which service ID should I use?

Use experian_business_contacts.

Do I need to supply an Experian BIN?

No. Lendflow uses the stored BIN or automatically attempts Business Match when it is missing.

Does a returned owner prove current beneficial ownership?

No. The response contains provider-reported associations and dates. Review them against current application and verification data.

Should I send options?

No. Business Contacts has no service-specific options.

Can this service run in Data Orchestration?

It is not in the current Data Orchestration service catalog. Use its underwriting Workflow Builder block or the enrichment API.