Equifax Bureau Formats¶
Equifax provides credit reports in JSON format with comprehensive consumer credit information. The response structure includes personal details, account summaries, credit scores (ERS - Equifax Risk Score), account details with payment history, and inquiry information. Equifax reports typically feature detailed account-level data with monthly payment status tracking and risk assessment elements.
equifax_softpull_json¶
{
"InquiryResponse": {
"xmlns": "http://services.equifax.com/eport/ws/schemas/1.0",
"ReportData": {
"AccountSummary": {
"AccountsSummary": {
"TotalSanctionAmount": 40000,
"NoOfPastDueAccounts": 2,
"TotalCreditLimit": 0,
"NoOfActiveAccounts": 2,
"TotalHighCredit": 0,
"RecentAccount": "Personal Loan on 10-12-2025",
"MostSevereStatusWithIn24Months": "WOF",
"OldestAccount": "Personal Loan on 08-03-2020",
"SingleHighestSanctionAmount": 38000,
"NoOfAccounts": 16,
"NoOfWriteOffs": 1,
"SingleHighestCredit": 0,
"AverageOpenBalance": 15728.5,
"TotalPastDue": 11482,
"NoOfZeroBalanceAccounts": 0,
"TotalMonthlyPaymentAmount": 3799,
"TotalBalanceAmount": 31457,
"SingleHighestBalance": 29457
}
},
"ScoreDetails": {
"ScoreDetail": {
"Type": "ERS",
"Version": 4,
"ScoringElements": {
"ScoringElement": [
{
"Description": "Occurances of default account",
"type": "RES",
"Code": 400,
"seq": 1
},
{
"Description": "Overdue Amount",
"type": "RES",
"Code": 402,
"seq": 2
},
{
"Description": "Vintage in Bureau",
"type": "RES",
"Code": 401,
"seq": 3
}
]
},
"Value": 530,
"Name": "ERS4.0"
}
},
"IDAndContactInfo": {
"EmailAddressInfo": {
"ReportedDate": "2025-06-30",
"seq": 1,
"EmailAddress": "XXXXX@GMAIL.COM"
},
"PersonalInfo": {
"DateOfBirth": "1998-08-12",
"Occupation": "",
"Gender": "Male",
"TotalIncome": 60000,
"Age": {
"Age": 27
},
"Name": {
"FullName": "XXXXX"
}
},
"IdentityInfo": {
"IDOther": {
"ReportedDate": "2023-11-30",
"IdNumber": XXXXX,
"seq": 2
},
"PANId": {
"ReportedDate": "2025-12-18",
"IdNumber": "XXXXX",
"seq": 1
}
},
"PhoneInfo": [
{
"ReportedDate": "2025-12-18",
"Number": XXXXX,
"seq": 1,
"typeCode": "H"
}
],
"AddressInfo": [
{
"Type": "Rents,Primary",
"ReportedDate": "2025-06-30",
"Address": "DO NO 5 29 96/2 THULLURU GUNTUR ANDHRA PRADESH GUNTUR ANDHRA PRADESH",
"State": "AP",
"seq": 1,
"Postal": 522237
}
]
},
"OtherKeyInd": {
"AgeOfOldestTrade": 73,
"AllLinesEVERWrittenIn6Months": 1,
"NumberOfOpenTrades": 2,
"AllLinesEVERWritten": 6.25,
"AllLinesEVERWrittenIn9Months": 0
},
"EnquirySummary": {
"Recent": "18-12-2023",
"Past30Days": 0,
"Total": 4,
"Past12Months": 0,
"Past24Months": 0,
"Purpose": "ALL"
},
"RecentActivities": {
"TotalInquiries": 0,
"AccountsOpened": 0,
"AccountsDeliquent": 2,
"AccountsUpdated": 2
},
"Disclaimer": "The entire information contained in this report is furnished by various Credit Institutions/members (\"Members\"), which is neither controlled nor subjected to any alteration by Equifax Credit Information Services Private Limited (ECIS). ECIS by using its proprietary search match logic tools, in compliance with the CIC Laws has collated the information and has generated this report. ECIS provides this report on a best effort basis and does not guarantee the timelines, correctness or completeness of the information contained therein. The use of this report will be governed by the terms and conditions accepted by You or as per Membership Agreement entered by the Member with ECIS. Lending decisions are taken by Members/Credit Institutions who access these reports and may differ from Member to Member. ECIS doesn’t tell a lender whether they should offer credit or not to its customer/borrower– it is solely for the lender to decide.",
"AccountDetails": {
"Account": [
{
"OwnershipType": "Individual",
"ReportedDate": "2026-04-18",
"DateReported": "2026-04-18",
"TermFrequency": "Monthly",
"History48Months": {
"Month": [
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "04-26",
"PaymentStatus": "01+"
},
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "03-26",
"PaymentStatus": "01+"
},
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "02-26",
"PaymentStatus": "01+"
},
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "01-26",
"PaymentStatus": "000"
},
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "12-25",
"PaymentStatus": "NEW"
}
]
},
"PastDueAmount": 4897,
"DisputeCode": "",
"Institution": "FINANCE",
"Reason": "",
"Open": "Yes",
"AccountStatus": "1-29 days past due",
"InterestRate": "",
"seq": 1,
"DateOpened": "2025-12-10",
"LastPayment": 3799,
"LastPaymentDate": "2026-04-04",
"RepaymentTenure": 12,
"InstallmentAmount": 3799,
"AccountType": "Personal Loan",
"CollateralType": "",
"AccountNumber": "**********",
"CollateralValue": "",
"SuitFiledStatus": "",
"SanctionAmount": 38000,
"AssetClassification": "",
"Balance": 29457
}
]
}
},
"InquiryResponseHeader": {
"ReportOrderNO": 2581479754,
"HitCode": 10,
"ProductCode": "PCS",
"CustomerCode": "",
"ClientID": "",
"CustRefField": XXXXX,
"SuccessCode": 1,
"Time": "06:01:13",
"Date": "21-04-2026"
},
"Scores": {
"Score": {
"Type": "ERS",
"Version": 3.1,
"seq": 1
}
},
"InquiryRequestInfo": {
"InquiryPurpose": "05",
"AddrLine1": "5 29 96 2 THULLURU GUNTUR 44 ANDHRA PRADESH",
"FirstName": "XXXXX",
"MobilePhone": XXXXX,
"TransactionAmount": 25000,
"State": "AP",
"DOB": "1998-08-12",
"FullName": "XXXXX",
"LastName": "XXXXX",
"InquiryPhones": {
"InquiryPhone": {
"Number": XXXXX,
"PhoneType": "M",
"seq": 1
}
},
"Postal": 522237,
"InquiryAddresses": {
"InquiryAddress": {
"AddressLine": "5 29 96 2 THULLURU GUNTUR 44 ANDHRA PRADESH",
"State": "AP",
"seq": 1,
"Postal": 522237
}
},
"PANId": "XXXXX"
}
}
}
equifax_softpull_json_v2¶
{
"InquiryResponseHeader": {
"ClientID": "",
"CustRefField": "",
"ReportOrderNO": "",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2026-04-08",
"Time": "10:15:11"
},
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CCRResponse": {
"Status": "1",
"CIRReportDataLst": [
{
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"ReportData": [
{
"IDAndContactInfo": {
"PersonalInfo": {
"Name": {
"FullName": "XXXXX",
"FirstName": "XXXXX ",
"MiddleName": "XXXXX "
},
" AliasName": {},
"DateOfBirth": "1991-01-01",
"Gender": "Male",
"Age": {
"Age": "35"
},
"PlaceOfBirthInfo": {},
"TotalIncome": "25000"
},
"IdentityInfo": {
"PANId": [
{
"seq": "1",
"ReportedDate": "2026-03-31",
"IdNumber": "XXXXX"
}
],
"NationalIDCard": [
{
"seq": "1",
"ReportedDate": "2026-03-23",
"IdNumber": "XXXXXXXXXXXX"
}
],
"CKYCId": [
{
"seq": "1",
"ReportedDate": "2024-11-30",
"IdNumber": "60055492853835"
}
]
},
"AddressInfo": [
{
"Seq": "1",
"ReportedDate": "2026-03-31",
"Address": "456/10 CHHOTU RAM NAGAR BAHADURGARH ROHTAK HARYANA 124507",
"State": "HR",
"Postal": "124507",
"Type": "Owns,Permanent"
}
],
"PhoneInfo": [
{
"seq": "1",
"typeCode": "H",
"ReportedDate": "2026-02-07",
"Number": "XXXXX"
}
],
"EmailAddressInfo": [
{
"seq": "1",
"ReportedDate": "2024-11-30",
"EmailAddress": "XXXXX@GMAIL.COM"
}
]
},
"ScoreDetails": [
{
"Type": "ERS",
"Version": "4.0",
"Name": "RTL.ERS4.0",
"Value": "746",
"ScoringElements": [
{
"type": "RES",
"seq": "1",
"code": "600",
"Description": "Recent Credit exposure"
},
{
"type": "RES",
"seq": "2",
"code": "606",
"Description": "Earlier Closed Accounts"
},
{
"type": "RES",
"seq": "3",
"code": "605",
"Description": "Number of Personal Loans"
}
]
}
],
"Enquiries": [
{
"seq": "1",
"Institution": "FINANCE",
"Date": "2025-11-16",
"Time": "12:49",
"RequestPurpose": "00"
}
],
"AccountSummary": {
"ConsolidateCreditSummary": {
"OverAll": {
"NumberOfOpenAccounts": "13",
"NumberOfPastDueAccounts": "0",
"TotalOutstandingBalance": "71812",
"TotalInstallmentAmount": "6347",
"NoOfDelinquentAccounts": "0",
"OutstandingDelinquentAccounts": "0",
"TotalOutstandingUnsecured": "47977"
},
"Retail": {
"NoOfAccounts": "31",
"NoOfActiveAccounts": "13",
"NoOfWriteOffs": "0",
"TotalPastDue": "0.00",
"MostSevereStatusWithIn24Months": "Non-Delnqt",
"SingleHighestCredit": "0.00",
"SingleHighestSanctionAmount": "83000.00",
"TotalHighCredit": "0.00",
"AverageOpenBalance": "5524.00",
"SingleHighestBalance": "23835.00",
"NoOfPastDueAccounts": "0",
"NoOfZeroBalanceAccounts": "0",
"RecentAccount": "Short Term Personal Loan on 24-03-2026",
"OldestAccount": "Two-Wheeler Loan on 29-08-2024",
"TotalBalanceAmount": "71812.00",
"TotalSanctionAmount": "156500.00",
"TotalCreditLimit": "0.0",
"TotalMonthlyPaymentAmount": "6347.00",
"TotalWrittenOffAmount": "0.00",
"MaxDaysPastDue": "0",
"NumberOfLoansWithReportedEMI": "4",
"NoOfDelinquentAccounts": "0",
"TotalOutstandingDelinquentAccounts": "0",
"TotalOutstandingUnsecured": "47977"
}
}
},
"Accounts": {
"RetailAccountDetails": [
{
"seq": "1",
"AccountNumber": "**********",
"Institution": "FINANCE",
"AccountType": "Short Term Personal Loan",
"OwnershipType": "Individual",
"Balance": "4000",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "4000",
"DateReported": "2026-03-31",
"DateOpened": "2026-03-24",
"RepaymentTenure": "6",
"TermFrequency": "Monthly",
"AccountStatus": "New Account",
"DaysPastDue": "0",
"source": "INDIVIDUAL",
"LoanCategoryType": "Unsecured",
"History48Months": [
{
"key": "03-26",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"DaysPastDue": "0"
}
]
}
]
}
}
]
}
]
}
}
equifax_hardpull_json¶
{
"CIRReportData": {
"AccountSummary": {
"AccountsSummary": {
"TotalSanctionAmount": 471039,
"NoOfPastDueAccounts": 3,
"TotalCreditLimit": 53000,
"NoOfActiveAccounts": 15,
"TotalHighCredit": 75469,
"RecentAccount": "Personal Loan on 24-03-2026",
"MostSevereStatusWithIn24Months": "01+",
"OldestAccount": "Personal Loan on 07-03-2018",
"SingleHighestSanctionAmount": 153406,
"NoOfAccounts": 209,
"NoOfWriteOffs": 1,
"SingleHighestCredit": 75469,
"AverageOpenBalance": 20752.2,
"TotalPastDue": 5033,
"NoOfZeroBalanceAccounts": 3,
"TotalMonthlyPaymentAmount": 37501,
"TotalBalanceAmount": 311283,
"SingleHighestBalance": 95904
}
},
"ScoreDetails": {
"ScoreDetail": {
"Type": "ERS",
"Version": 4,
"ScoringElements": {
"ScoringElement": [
{
"Description": "Recent Credit exposure",
"type": "RES",
"Code": 600,
"seq": 1
},
{
"Description": "Overdue Amount",
"type": "RES",
"Code": 601,
"seq": 2
},
{
"Description": "Number of Personal Loans",
"type": "RES",
"Code": 605,
"seq": 3
}
]
},
"Value": 715,
"Name": "ERS4.0"
}
},
"IDAndContactInfo": {
"EmailAddressInfo": {
"ReportedDate": "2026-03-31",
"seq": 1,
"EmailAddress": "XXXXX@GMAIL.COM"
},
"PersonalInfo": {
"DateOfBirth": "1986-08-14",
"Occupation": "",
"Gender": "Male",
"TotalIncome": 71710,
"Age": {
"Age": 39
},
"Name": {
"FullName": "XXXXX"
}
},
"IdentityInfo": {
"NationalIDCard": {
"ReportedDate": "2022-07-31",
"IdNumber": "XXXXXXXXXXXX",
"seq": 1
},
"IDOther": {
"ReportedDate": "2026-01-15",
"IdNumber": 000000,
"seq": 1
},
"PANId": {
"ReportedDate": "2026-03-31",
"IdNumber": "XXXXX",
"seq": 1
}
},
"PhoneInfo": [
{
"ReportedDate": "2026-02-15",
"Number": 000000,
"seq": 1,
"typeCode": "H"
}
],
"AddressInfo": [
{
"Type": "Permanent",
"ReportedDate": "2026-03-31",
"Address": "DEWAS NAKA MADHYA PRADESH 452001",
"State": "MP",
"seq": 1,
"Postal": 452001
}
]
},
"Enquiries": [
{
"Amount": 100000,
"Time": "15:54",
"Institution": "FINANCE",
"seq": 1,
"Date": "2026-02-07",
"RequestPurpose": "05"
}
],
"OtherKeyInd": {
"AgeOfOldestTrade": 97,
"AllLinesEVERWrittenIn6Months": 0,
"NumberOfOpenTrades": 15,
"AllLinesEVERWritten": 0.48,
"AllLinesEVERWrittenIn9Months": 1
},
"EnquirySummary": {
"Recent": "07-02-2026",
"Past30Days": 0,
"Total": 20,
"Past12Months": 2,
"Past24Months": 4,
"Purpose": "ALL"
},
"RecentActivities": {
"TotalInquiries": 1,
"AccountsOpened": 9,
"AccountsDeliquent": 3,
"AccountsUpdated": 22
},
"AccountDetails": {
"Account": [
{
"OwnershipType": "Individual",
"DateOpened": "2026-03-24",
"ReportedDate": "2026-04-15",
"DateReported": "2026-04-15",
"TermFrequency": "",
"History48Months": {
"Month": [
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "04-26",
"PaymentStatus": "NEW"
},
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "03-26",
"PaymentStatus": "NEW"
}
]
},
"RepaymentTenure": "",
"PastDueAmount": 0,
"DisputeCode": "",
"Institution": "FINANCE",
"AccountType": "Personal Loan",
"CollateralType": "",
"Reason": "",
"AccountNumber": "**********",
"Open": "Yes",
"CollateralValue": "",
"AccountStatus": "New Account",
"SuitFiledStatus": "",
"SanctionAmount": 10000,
"AssetClassification": "",
"InterestRate": "",
"Balance": 14364,
"seq": 2
}
]
}
},
"InquiryResponseHeader": {
"ReportOrderNO": 2582532570,
"HitCode": 11,
"ProductCode": "PCS",
"CustomerCode": "",
"ClientID": "",
"CustRefField": 000000,
"SuccessCode": 1,
"Time": "15:21:14",
"Date": "21-04-2026"
},
"Scores": {
"Score": {
"Type": "ERS",
"Version": 3.1,
"seq": 1
}
},
"InquiryRequestInfo": {
"InquiryPurpose": "05",
"AddrLine1": "338 gulab bagh",
"FirstName": "XXXXXX",
"MobilePhone": 0000000,
"TransactionAmount": 67000,
"State": "MP",
"DOB": "1986-08-01",
"FullName": "XXXXXX",
"LastName": "XXXXXX",
"InquiryPhones": {
"InquiryPhone": {
"Number": 00000000,
"PhoneType": "M",
"seq": 1
}
},
"Postal": 452010,
"InquiryAddresses": {
"InquiryAddress": {
"AddressLine": "338 gulab bagh",
"State": "MP",
"seq": 1,
"Postal": 452010
}
},
"PANId": "XXXXXX"
}
}