Purpose
Allows authorized creditor users to maintain company profile information while protecting verified business identity data used throughout the platform.
Quick Summary
- The company profile contains both editable and non-editable information.
- Verified company identity information becomes the creditor’s permanent ECO Address.
- The ECO Address is used to route consumer Notice Responses and communications to the correct creditor.
- Company identity information is validated during onboarding using Federal TIN verification.
- Hours of operation, contacts, and other business information may be updated after verification.
Verified ECO Address
The creditor’s ECO Address is established during business onboarding and serves as the creditor’s permanent digital identity within the platform.
ECO Address Fields
- Company Name
- Company Address
- Company Website URL
- Company Phone Number
- Federal Tax ID (TIN)
Purpose
The ECO Address is used to:
- Identify the creditor throughout the platform
- Route Notice Responses to the correct creditor
- Match consumer-created creditor profiles
- Support compliance and audit requirements
- Maintain consistent creditor identity
Key Rule
ECO Address identity fields cannot be edited after verification.
Identity Verification
During business setup:
- Company information is submitted.
- Federal TIN is validated.
- Business identity is verified through Middesk.
- The ECO Address is established.
- Verified identity information becomes locked.
Key Rule
The Federal TIN may never be modified after verification.
Authorized users may update:
- Hours of Operation
- Business Contacts
- Support Contacts
- Profile Image
- Business Description
- Operating Information
- Other non-verified profile information
Real-World Example
ABC Collections changes its support hours from Eastern Time to Central Time.
The company updates:
- Timezone
- Business Hours
- Support Contact Information
The ECO Address remains unchanged because the verified company identity has not changed.
How It Should Work
- Allow authorized users to update editable company information.
- Maintain a permanent verified ECO Address.
- Preserve TIN verification status.
- Support profile image updates.
- Update displayed company information immediately after saving.
- Apply timezone updates throughout the portal.
How It Should Not Work
- Allow changes to verified ECO Address fields.
- Allow changes to Federal TIN information.
- Allow updates to another creditor’s company profile.
- Accept invalid profile image formats.
- Route Notice Responses using modified identity data.
Developer Notes
- ECO Address data is a permanent identity record.
- Notice Response routing depends on ECO Address stability.
- Identity verification must remain tied to Middesk validation.
- Editable profile information must remain separate from verified identity information.
Last modified on June 1, 2026
