Submit OTP

POST 
/api/experian/renters/:renterId/otp

Submits the One-Time Password received by the renter for authentication.

Upon successful verification, the renter can access their Experian report.

Request

Responses

200

OTP accepted. payload is the Experian response, passed through.

403

Missing or invalid X-API-KEY

404

Renter not found (errorCode 278)

422

Incorrect OTP. The Experian step-up payload is returned unchanged.

errors is an empty array on this response — a 422 body is structurally identical to a 200. Branch on the HTTP status, never on errors.length.

423

Temporarily blocked after repeated failed attempts (errorCode 300)