> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lendflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Experian Commercial Collections

## 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

1. Authenticate with a Bearer integration token that can access the application and run underwriting services.
2. Call [Enrich Business Credit Application](/api-reference/workflow-management/enrich-business-credit-application) at `PUT /api/applications/{application_id}/enrich`.
3. Set `provider` to `experian_commercial_collections`.
4. Do not send `options`.
5. Include `stage_id` only when the application's workflow requires a specific underwriting stage.
6. Confirm that the response contains `data.onqueue: true`.
7. Poll [Get Commercial Data](/api-reference/workflow-management/get-commercial-data) with `services[]=experian_commercial_collections`.

```json theme={"system"}
{
  "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

```json theme={"system"}
{
  "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

<AccordionGroup>
  <Accordion title="Which service ID should I use?">
    Use `experian_commercial_collections`.
  </Accordion>

  <Accordion title="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`.
  </Accordion>

  <Accordion title="Do I need to supply an Experian BIN?">
    No. Lendflow uses the stored BIN or automatically attempts Business Match when it is missing.
  </Accordion>

  <Accordion title="Should I send options?">
    No. Lendflow always requests both the collection summary and detail.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>