EPCS: Why Am I Failing Experian Identity Proofing? (Web)

This article assists with troubleshooting reasons for "Authentication failed" during Experian identity proofing. 

Identity Proofing Troubleshooting:

If you do not pass the Experian identity proofing process (IDP), enter the additional fields listed below and try again:

  • Credit Card Number (Visa or Mastercard)
    • Only the first 8 digits are required, and it must be a personal credit card, not a business card or a personal debit card
  • Driver's License State
  • Driver's License Number (numbers first, class letter capitalized at the end)

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If you still do not pass, check the following:

You may have exceeded the three (3) attempts permitted in a 24 hour period.

Solution: Wait until 24 hours have passed and click on the link in your invite again. If you exceed three attempts in a 24 hour period, even if successful, Experian locks out any additional attempts until the 24 hour lockout from the last attempt expires.

You may have a security freeze on your account. This must be removed (or temporarily lifted) before starting enrollment.

Solution: Instructions on how to remove a security freeze can be found at www.experian.com under Credit Support.

You may have a fraud alert on your account.  

Solution: To complete identity proofing with a fraud alert in place, complete optional fields as well as required fields.

Answers to your security questions are inaccurate

Solution: To review the information that Experian has on record, you can obtain a Free Experian credit report from www.annualcreditreport.com or Experian.com. If any discrepancies are noted, please contact Experian on the number in the report to resolve them.

Personal information entered does match what Experian has on file

Solution: In order to review the information that Experian has on record, you can obtain a Free Experian credit report from www.annualcreditreport.com. If any discrepancies are noted, please contact Experian on the number in the report to resolve them.

You've moved within the last 6 years and Experian’s address of record does not match your entry

Solution: You will need to dispute with Experian to update their Best on File address.

Your address is misspelled

Solution: You will need to dispute with Experian to update the information. Make sure to leave out any special characters or periods when entering your address during identity proofing. For example, 1 E. Main St. Apt. # 204 would be entered as 1 E Main St Apt 204.

Your financials are tied to a PO box rather than your residential address

Solution: In this case, you will need to put your address as the PO Box address. PO Box is a valid address for EPCS registration. 

Your information in Experian is not fully listed (the issue may be that your DOB or Social Security Number is not present on your profile)

Solution: You will need to contact Experian to update this information.

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