Experian Liens

Use this service to retrieve tax-lien summary and filing-detail records associated with an Experian business.

Requirements

Application field	Requirement	Notes
Business country	Required	Provide the business country code. This service supports United States business information.
Business legal name	Conditional	Required when the application does not already have a Business Identification Number (BIN).
Business city	Conditional	Required when the application does not already have a BIN.
Business state	Conditional	Required when the application does not already have a BIN. Use the two-letter state code.
Business street, ZIP code, telephone, and EIN	Optional	These fields can improve Business Match results when Lendflow must obtain a BIN.
Business Identification Number (BIN)	Conditional	Required to run Liens. If it is unavailable, Lendflow runs Experian Business Match and uses the result with the highest numeric reliability code. The service does not run if Business Match returns no result.

API flow

The dashboard starts a manual run with PUT /api/int/applications/{application_id}/enrich and provider experian_liens. This is an internal dashboard route, not a supported public integration endpoint.

Add the experian_liens attribute to a published Data Orchestration template.
Call POST /api/applications/{application_id}/data_orchestration/execute through Execute Data Orchestration with a bearer token, template_id, application_id, and stage_id when required.
The endpoint schedules the orchestration and returns {"data":{"executed":true}}, not the Experian result.
Retrieve the result with GET /api/applications/{application_id}/commercial_data through Get Commercial Data, using services[]=experian_liens. Read the provider result from data.commercial_data.experian.liens, status from data.statuses.experian.liens, latest date from data.dates.experian_liens, and stored request from data.request_data.experian.liens.

The orchestration attribute checks saved lien data first. If its required value is absent, it runs the Experian prerequisite synchronously. Data Orchestration requests detail and disables summary by default; Lendflow can retain previously stored top-level lien result sections when a later run returns another section.

Value	Dashboard data path
Response	`commercialData.experian.liens`
Status	`commercialData.statuses.experian.liens`
Submitted request	`commercialData.request_data.experian.liens`

The provider request always includes bin and subcode. A normal direct service run requests lienSummary: true and lienDetail: true.

Data Orchestration availability

Capability	Availability
Primary attribute	`experian_liens` (`Liens`)
Prerequisite behavior	Runs Experian Liens only when the needed saved section is absent
Execution	Synchronous prerequisite
Reuse	Existing saved data is reused when it satisfies the selected attribute

What the service returns

Result area	What it contains	How to interpret it
`businessHeader`	Identity data for the business associated with the BIN.	Confirm that the result belongs to the intended business.
`lienSummary`	Lien count and combined balance.	Zero is an explicit returned result; missing is unknown.
`lienDetail`	Filing date, tax type, action, document number, filing location, owner, and liability amount.	Each array item is one provider record.
`lienIndicator`	Top-level indicator used by Data Orchestration.	`true` means lien information is reported.

Representative response

{
  "businessHeader": {
    "bin": "000000000",
    "businessName": "SAMPLE INDUSTRIES",
    "address": {"city": "AUSTIN", "state": "TX", "zip": "78701"},
    "customerDisputeIndicator": false
  },
  "lienSummary": {"lienCount": 1, "lienBalance": 4289},
  "lienDetail": [
    {
      "dateFiled": "2021-08-17",
      "legalType": "State Tax",
      "legalAction": "Filed",
      "documentNumber": "SAMPLE-LIEN",
      "filingLocation": "SAMPLE COUNTY CLERK",
      "owner": "STATE TAX AUTHORITY",
      "liabilityAmount": 4289
    }
  ],
  "lienIndicator": true
}

Response attributes

Summary and identity

Attribute	Type	Meaning	Possible values or units	When returned
`businessHeader.bin`	String	Experian BIN.	Experian identifier.	When Experian identifies the business.
`businessHeader.businessName`	String	Name associated with the matched record.	Business name.	When available.
`businessHeader.address`	Object	Address associated with the matched record.	Street, city, state, ZIP, and ZIP extension may appear.	When available.
`businessHeader.customerDisputeIndicator`	Boolean	Whether the business disputed profile information.	`true` or `false`.	When supplied by Experian.
`lienSummary.lienCount`	Number	Tax liens on file.	Count.	When summary was requested and returned.
`lienSummary.lienBalance`	Number	Combined lien balance.	Currency amount in provider units.	When summary was requested and returned.
`lienIndicator`	Boolean	Whether lien information is reported.	`true` or `false`.	When supplied by Experian.

Lien details

Attribute	Type	Meaning	Possible values or units	When returned
`lienDetail[].dateFiled`	String	Filing date.	`YYYY-MM-DD`.	For each lien when available.
`lienDetail[].legalType`	String	Tax authority level.	`Federal Tax`, `State Tax`, or `County Tax`.	When available.
`lienDetail[].legalAction`	String	Current filing action.	`Filed` or `Released`.	When available.
`lienDetail[].documentNumber`	String	Filing identifier.	Jurisdiction-specific identifier.	When available.
`lienDetail[].filingLocation`	String	Court or filing office.	Name or jurisdiction.	When available.
`lienDetail[].owner`	String or null	Authority or owner named on the action.	Name.	When available.
`lienDetail[].liabilityAmount`	Number or null	Debtor liability.	Currency amount in provider units.	When available.
`lienDetail[].customerDisputeIndicator`	Boolean	Whether the record is disputed.	`true` or `false`.	When supplied by Experian.
`lienDetail[].taxLienDescription`	String or null	Provider tax-lien classification.	Experian code or description.	When supplied.

Statuses and errors

Signal	Meaning
Commercial-data status is `Started`	The service started but has not completed or failed.
Commercial-data status is `Success`	The latest run completed; inspect `data.commercial_data.experian.liens`.
Commercial-data status contains an error	The run failed and the status includes its error message.
Orchestration status `6`, `1`, `5`, `2`, `4`, or `3`	Scheduled, started, paused, finished, missing data, or error, respectively.
No Business Match result	Lendflow stops before the lien request because it could not obtain a BIN.
Invalid credentials, subcode, or provider response	The service records the failure and normalizes an Experian error message when available.

An empty lienDetail array means no detail records were returned. Missing or null fields are unknown, not zero or false.

FAQ

Does Data Orchestration always call Experian?

No. It reuses saved lien data when the selected attribute’s prerequisite is already satisfied.

Why can the summary be absent in a Data Orchestration run?

The Data Orchestration prerequisite requests detail and disables summary by default. A normal direct run requests both.

Does this service require an Experian BIN?

Yes. Lendflow automatically runs Experian Business Match when the BIN is missing.

Is a missing liability amount the same as zero?

No. Zero is a provider result. A null or omitted amount means Experian did not supply the value.

​Experian Liens

​Requirements

​API flow

​Data Orchestration availability

​What the service returns

​Representative response

​Response attributes

​Summary and identity

​Lien details

​Statuses and errors

​FAQ