Fetches an Experian Credit Information Report using name, mobile, and PAN. All business outcomes (record found, no record, invalid input) return HTTP 200. On success the response includes status, message, result, plus chargeble and user_consent (string "true"). A no-record outcome is a success with an empty result. On business failure only status and message are returned (no result, no chargeble/user_consent). Missing required fields and unconfigured merchants return HTTP 400 with a detail error envelope. Requires X-Client-ID and X-API-KEY headers.