# Account Lifecycle Management

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Managing user accounts from creation through closure — profile updates, enrollment control (pause/resume, single and batch), account closure (single and batch), credit-data refresh, and cache management.
| Method | Endpoint | Description |
|  --- | --- | --- |
| POST | `/direct/login` | Authenticate with API key and secret |
| GET | `/direct/user/{id}` | Get a user by ID |
| POST | `/direct/change-email/{id}` | Change a user's email |
| POST | `/direct/change-mobile/{id}` | Change a user's mobile number |
| POST | `/direct/change-name/{id}` | Change a user's name |
| POST | `/direct/change-host/{id}` | Move a user to a different host |
| POST | `/direct/users/{userId}/pause-enrollment` | Pause a single user's enrollment |
| POST | `/direct/users/{userId}/resume-enrollment` | Resume a single user's enrollment |
| POST | `/direct/users/pause-enrollments` | Pause enrollment for many users (batch) |
| POST | `/direct/users/resume-enrollments` | Resume enrollment for many users (batch) |
| POST | `/direct/update-refresh/{id}` | Force a credit-data refresh for a user |
| POST | `/direct/reset-cache/{id}` | Clear cached credit data for a user |
| POST | `/direct/close-account/{id}` | Close a single user's account |
| POST | `/direct/close-account` | Close the authenticated user's account |
| POST | `/direct/close-accounts` | Close many user accounts (batch) |

 - [POST /direct/login](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/login.md): Authenticates a customer host using API key and secret credentials, returning a JWT access token and a refresh token. The access token must be included as a Bearer token in the `Authorization` header
 - [POST /direct/verify-user](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/confirmuserverification.md): Records that the customer has independently verified a user's identity (Digital Identity Trust + Customer OTP flow). **Requirements:** - The user must be active - The user must belong to the host asso
 - [GET /direct/user/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/getuser_1.md): Returns the full profile for a user including enrollment status, notification preferences, and feature flags. **Parameters:** The `{id}` path parameter is the user's unique identifier (UUID). **Requir
 - [POST /direct/change-email/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/changeemail.md): Updates the email address for the specified user. **Parameters:** The `{id}` path parameter is the user's unique identifier (UUID). **Requirements:** - The user must be active - The user must belong t
 - [POST /direct/change-mobile/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/changemobile.md): Updates the mobile number for the specified user. **Parameters:** The `{id}` path parameter is the user's unique identifier (UUID). **Requirements:** - The user must be active - The user must belong t
 - [POST /direct/change-name/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/changename.md): Updates the first and last name for the specified user. **Parameters:** The `{id}` path parameter is the user's unique identifier (UUID). **Requirements:** - The user must be active - The user must be
 - [POST /direct/users/{userId}/pause-enrollment](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/pauseenrollment.md): Pauses a single user by removing all Equifax features and marking them as paused. Paused users cannot pull credit data and are effectively disabled until resumed. **Parameters:** The `{userId}` path p
 - [POST /direct/users/{userId}/resume-enrollment](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/resumeenrollment.md): Resumes a paused user by re-enrolling Equifax features and marking them as active. Once resumed, the user can pull credit data again. **Parameters:** The `{userId}` path parameter is the user's unique
 - [POST /direct/users/pause-enrollments](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/pauseenrollmentsbatch.md): Submits a batch request to pause multiple user enrollments. Users are added to the enrollment queue and processed asynchronously. Paused users cannot pull credit data and are effectively disabled unti
 - [POST /direct/users/resume-enrollments](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/resumeenrollmentsbatch.md): Submits a batch request to resume multiple paused user enrollments. Users are added to the enrollment queue and processed asynchronously. Once resumed, users can pull credit data again. **Requirements
 - [POST /direct/change-host/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/changehost.md): Transfers a user to a different host within the same customer. Can be used to upgrade or downgrade a user's credit data access, for example moving from a 1-bureau host to a 3-bureau host or vice versa
 - [POST /direct/update-refresh/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/updaterefresh.md): Triggers a refresh of the user's credit data from Equifax. Does not return the refreshed data, only triggers the refresh. **Parameters:** The `{id}` path parameter is the user's unique identifier (UUI
 - [POST /direct/reset-cache/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/resetcache.md): Clears the cached credit report and score data for the specified user. The next data request will fetch fresh data from Equifax. **Parameters:** The `{id}` path parameter is the user's unique identifi
 - [POST /direct/close-account/{id}](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/closeaccount.md): Closes the user account and unenrolls from Equifax. **Parameters:** The `{id}` path parameter is the user's unique identifier (UUID). **Requirements:** - The user must be active - The user must belong
 - [POST /direct/close-account](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/closeaccountbyemail.md): Closes the user account identified by email address and unenrolls from Equifax. **Requirements:** - The user must be active - The user must belong to the host associated with the authentication token
 - [POST /direct/close-accounts](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/closeaccountsbatch.md): Submits a batch request to close multiple user accounts. Users are added to the unenrollment queue and processed asynchronously. **Requirements:** - Users must be active - Users must belong to the hos
 - [POST /direct/users/{userId}/identity](https://crsintegration.redocly.app/client-spec/account-lifecycle-management/storeidentity.md): Stores a user's PII — use it to add details for a user who has none stored, or to update what is already there. **Parameters:** The `{userId}` path parameter is the user's unique identifier (UUID).