Experian UCC Filings

Use this service to retrieve Uniform Commercial Code (UCC) filing summaries, trends, and filing details 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 UCC Filings. 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_uccs. This is an internal dashboard route, not a supported public integration endpoint.

Add the experian_uccs 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_uccs. Read the provider result from data.commercial_data.experian.uccs, status from data.statuses.experian.uccs, latest date from data.dates.experian_uccs, and stored request from data.request_data.experian.uccs.

The orchestration attribute checks saved UCC 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 UCC result sections when a later run returns another section.

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

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

Data Orchestration availability

Capability	Availability
Primary attribute	`experian_uccs` (`UCCS`)
Prerequisite behavior	Runs Experian UCC Filings 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.
`uccFilingsSummary`	Total filing count and time-bucketed filing trends.	Trend buckets separate original, derogatory, released, continued, amended, and assigned activity.
`uccFilingsDetail`	Filing action, location, collateral, secured party, assignee, and original filing linkage.	Each array item is one provider record.
`uccFilingIndicator`	Top-level indicator used by Data Orchestration.	`true` means UCC information is reported.

Representative response

{
  "businessHeader": {
    "bin": "000000000",
    "businessName": "SAMPLE INDUSTRIES",
    "address": {"city": "AUSTIN", "state": "TX", "zip": "78701"},
    "customerDisputeIndicator": false
  },
  "uccFilingsSummary": {
    "uccFilingsCount": 2,
    "uccFilingsTrends": [
      {
        "date": "2024-06-30",
        "count": 2,
        "derogatoryCount": 0,
        "releasesAndTerminationsCount": 1,
        "continuationsCount": 0,
        "amendedAndAssignedCount": 0
      }
    ]
  },
  "uccFilingsDetail": [
    {
      "dateFiled": "2024-02-15",
      "legalType": "UCC",
      "legalAction": "Original Filing",
      "documentNumber": "SAMPLE-UCC",
      "filingLocation": "TX",
      "collateralCodes": [{"code": "4", "definition": "Machinery and Equipment"}],
      "securedParty": "SAMPLE SECURED PARTY",
      "assignee": null
    }
  ],
  "uccFilingIndicator": true
}

Response attributes

Summary and trends

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.
`uccFilingsSummary.uccFilingsCount`	Number	UCC filings on file.	Count.	When summary was requested and returned.
`uccFilingsSummary.uccFilingsTrends`	Array	Periodic UCC activity.	Experian trend buckets.	When trend data is available.
`uccFilingsTrends[].date`	String	End date for the trend bucket.	`YYYY-MM-DD`.	For each trend bucket.
`count` / `derogatoryCount`	Number	Original filings and those classified as derogatory.	Count.	In each trend bucket when supplied.
`releasesAndTerminationsCount`	Number	Released or terminated filings.	Count.	In each trend bucket when supplied.
`continuationsCount`	Number	Continued filings.	Count.	In each trend bucket when supplied.
`amendedAndAssignedCount`	Number	Amended or assigned filings.	Count.	In each trend bucket when supplied.
`uccFilingIndicator`	Boolean	Whether UCC information is reported.	`true` or `false`.	When supplied by Experian.

Filing details

Attribute	Type	Meaning	Possible values or units	When returned
`uccFilingsDetail[].dateFiled`	String	Filing date.	`YYYY-MM-DD`.	For each filing when available.
`uccFilingsDetail[].legalType`	String	Record type.	`UCC`.	For each filing.
`uccFilingsDetail[].legalAction`	String	Current action.	`Original Filing`, `Amended`, `Assignment`, `Partial Release`, `Full Release`, `Released`, `Terminated`, or `Continuation`.	When available.
`uccFilingsDetail[].documentNumber`	String	Filing identifier.	Jurisdiction-specific identifier.	When available.
`uccFilingsDetail[].filingLocation`	String	Filing state or office.	State code or office.	When available.
`uccFilingsDetail[].collateralCodes`	Array	Collateral classifications.	Code and definition pairs.	When collateral data is supplied.
`uccFilingsDetail[].securedParty`	String or null	Party holding the secured interest.	Name.	When available.
`uccFilingsDetail[].assignee`	String or null	Party receiving an assigned interest.	Name.	For assigned filings when available.
`uccFilingsDetail[].originalUCCFilingsInfo`	Object or null	Original action linked to the current filing.	Action, state, document number, and date.	For amendments, assignments, releases, or continuations when supplied.

Experian fixtures contain historical naming variants such as dateField and collateralCode; current consumers should tolerate provider fields being absent or variant rather than manufacturing values.

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.uccs`.
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 UCC 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 detail array means no records were returned. A missing or null field is unknown and must not be treated as an explicit zero or false.

FAQ

Does Data Orchestration always call Experian?

No. It reuses saved UCC 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 UCC filing automatically derogatory?

No. Experian reports a separate derogatoryCount; do not classify every filing as derogatory.