Credit Bureau & KYC Integration Specialist

The Data Ingestion Agent orchestrates connections to multiple credit bureaus (Experian, Equifax, TransUnion) via APIs to retrieve comprehensive credit reports including payment history, account details, and credit scores. It integrates with KYC providers for identity verification, validating applicant name, employer, and address against authoritative sources. The agent performs data normalization to standardize formats across sources, applies PII tokenization for SSN and sensitive data protection, validates data completeness checking for missing fields, and produces unified applicant profiles ready for feature engineering. Reasoning traces show step-by-step progress: initiating data collection, pulling credit reports, performing KYC verification, and completing data normalization.