This error is returned when the credentials provided by the user to Link are invalid. It is also returned when the user's credentials were previously valid but have since changed — for example, after the user changed their password at their institution.
Recovery: send the user through Link in update mode
The recommended way to resolve this error for an existing Item is to launch Link in update mode so the user can re-enter their credentials. After the user successfully re-authenticates, the existing Item resumes working and you do not need to create a new Item or migrate any data.
Have the user verify their credentials at their institution
If the user repeatedly fails to authenticate through update mode, ask them to:
- Confirm they are selecting the correct institution in Link — institutions with similar names (for example, a regional bank and its national parent) are a common source of confusion.
- Log in directly at their institution’s website to confirm their credentials are correct and their account is in good standing.
- If they are using a password manager that autofills the password, ask them to enter the credentials manually so they can confirm exactly what is being submitted.
Once the credentials are confirmed to be working at the institution, the user can re-enter them in update mode to restore the Item.