Experian Commercial Collections

Experian Commercial Collections returns collection accounts reported for a matched US business. The Experian Commercial Collections Workflow Builder block is in the Commercial Collections category, supports business entities, and runs one service:

Service	Service ID	Purpose
Collections Summary and Detail	`experian_commercial_collections`	Returns collection totals, account details, and the agencies that reported the accounts.

Purpose

Use this service to identify reported commercial collection activity and review outstanding balances, placement dates, payment amounts, and account statuses. It is distinct from Experian Business Owner Profile Commercial Collections (experian_bop_commercial_collections).

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_commercial_collections.
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_commercial_collections.

{
  "provider": "experian_commercial_collections"
}

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.commercial_collections`	Normalized provider result.
`statuses.experian.commercial_collections`	Latest Lendflow lifecycle message.
`request_data.experian.commercial_collections`	Stored provider request containing the BIN, subcode, and collection flags. Treat the identifiers as sensitive.

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

Data Orchestration availability

Experian Commercial Collections is not exposed as an operation in the current Data Orchestration service catalog. Run it through the Experian Commercial Collections 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.
`collectionsSummary`	Count and total outstanding balance of reported collection accounts.
`collectionsDetail`	Individual collection accounts, dates, amounts, status, and reporting agency.
`collectionsIndicator`	Whether Experian reports collection activity for the business.

Representative response

{
  "businessHeader": {
    "bin": "123456789",
    "businessName": "EXAMPLE BUSINESS LLC",
    "address": {
      "street": "100 MAIN ST",
      "city": "AUSTIN",
      "state": "TX",
      "zip": "78701",
      "zipExtension": null
    },
    "phone": null,
    "taxId": null,
    "websiteUrl": "example.com",
    "legalBusinessName": "EXAMPLE BUSINESS LLC",
    "dbaNames": null,
    "customerDisputeIndicator": false
  },
  "collectionsSummary": {
    "collectionCount": 1,
    "collectionBalance": 750
  },
  "collectionsDetail": [{
    "accountStatus": "Open Account",
    "datePlacedForCollection": "2024-03-25",
    "dateClosed": null,
    "amountPlacedForCollection": 1250,
    "amountPaid": 500,
    "collectionAgencyInfo": {
      "name": "EXAMPLE COLLECTION AGENCY",
      "phoneNumber": "+15125550199"
    }
  }],
  "collectionsIndicator": true
}

Response attributes

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.
`collectionsSummary.collectionCount`	Number	Total collection accounts in the result.	Count.	With a summary.
`collectionsSummary.collectionBalance`	Number	Total outstanding collection balance.	Numeric monetary amount; no currency field is included in this object.	With a summary.
`collectionsDetail[]`	Array of objects	Reported collection accounts.	Zero or more items.	When detail is returned.
`collectionsDetail[].accountStatus`	String	Current provider-reported account status.	Provider text, including open, disputed, payment-plan, paid, settled, partial-payment, or uncollected statuses.	For each item.
`collectionsDetail[].datePlacedForCollection`	String	Date placed for collection.	`YYYY-MM-DD` in current responses.	When available.
`collectionsDetail[].dateClosed`	String or null	Date the account closed.	`YYYY-MM-DD` or `null`.	When available.
`collectionsDetail[].amountPlacedForCollection`	Number	Original amount placed for collection.	Numeric monetary amount.	When available.
`collectionsDetail[].amountPaid`	Number	Amount reported as paid.	Numeric monetary amount.	When available.
`collectionsDetail[].collectionAgencyInfo`	Object	Reporting collection agency.	Can contain `name` and `phoneNumber`.	When agency information exists.
`collectionsIndicator`	Boolean	Whether collection activity is on file.	`true` or `false`.	When returned.

Errors and statuses

Condition or value	Meaning
`No Business found - {business name}`	Automatic Business Match did not return a BIN, so Collections 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 Commercial Collections.
`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_commercial_collections.

Is this the Experian Business Owner Profile service?

No. This guide covers Collections Summary and Detail. The Business Owner Profile service uses experian_bop_commercial_collections.

Do I need to supply an Experian BIN?

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

Should I send options?

No. Lendflow always requests both the collection summary and detail.

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.