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 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 if you 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.

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

Inaccurate answers to your security questions

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.

Entered personal information that 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 there are discrepancies, please refer to: How to Update Your Credit Report With New Personal Information.

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 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 associated with 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 (DOB, SSN)

The issue may be that either your date of birth (DOB) or Social Security Number (SSN) is not present on your profile.
Solution: You will need to contact Experian to update this information.

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