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This guide explains how to deliberately trigger error scenarios in your test environment. We’ll cover two main testing approaches:
  1. Forcing credit header failures
  2. Forcing non-ID check failures

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Simulating Credit Header Failures

You can simulate credit bureau failures by using specific street names in your test payload.
To force a credit header failure, simply set the street name in the address to one of the following bureau names:
  • Equifax
  • Experian
The service will then return a failed credit header response for the specified bureau. 
{
  "entity": {
    "entityProfile": "default",
    "entityType": "INDIVIDUAL",
    "name": {
      "familyName": "KINSELLA",
      "middleName": "JOHN",
      "givenName": "ERIC"
    },
    "dateOfBirth": {
      "dateOfBirth": "1952-02-28"
    },
    "addresses": [
      {
        "addressType": "RESIDENTIAL1",
        "country": "AUS",
        "streetNumber": "17",
        "streetName": "Experian", // This will trigger an Experian credit header failure
        "streetType": "STREET",
        "suburb": "",
        "town": "ELLIOT",
        "state": "VIC",
        "postalCode": "3104"
      }
    ],
    "extraData": [
      {
        "kvpKey": "consent.general",
        "kvpValue": "true",
        "kvpType": "general.bool"
      },
      {
        "kvpKey": "consent.docs",
        "kvpValue": "true",
        "kvpType": "general.bool"
      },
      {
        "kvpKey": "consent.creditheader",
        "kvpValue": "true",
        "kvpType": "general.bool"
      },
      {
        "kvpKey": "customer_reference",
        "kvpValue": "20210531_2020",
        "kvpType": "id.external"
      }
    ],
    "identityDocs": [
      {
        "country": "AUS",
        "idType": "DRIVERS_LICENCE",
        "idNumber": "028021259",
        "region": "VIC"
      }
    ]
  }
}

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Testing ID-Only Verification

This scenario is useful when testing cases where a user should only pass based on their ID verification.
To force all non-ID checks to fail:
  1. Set the middle name to FailNonID
  2. Ensure all ID-related fields (name, date of birth, ID details) are correct
  3. Submit the payload
{
    "entity": {
        "entityProfile": "default",
        "entityType": "INDIVIDUAL",
        "name": {
            "familyName": "KINSELLA",
            "middleName": "FailNonID", // This triggers non-ID check failures
            "givenName": "ERIC"
        },
        // ... rest of the payload remains the same
    }
}
For ID-only verification to work properly, ensure that:
  • The name matches the ID exactly
  • The date of birth is correct
  • All ID details (number, type, region) are valid
These test scenarios are available in both Demo and UAT environments.