Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The company has a group of clients, including financial institutions, corporations, governments, and individuals. Its products and services are based on databases of consumer and business information derived from various types of credit, financial assets, telecommunications and utility payment, employment, income, public record, demographic and marketing data. The company uses advanced statistical techniques and proprietary software tools to analyze all available data, creating customized insights, decision-making solutions and processing services for its clients. The company helps consumers understand, manage, and protect their personal information and make informed financial decisions. Additionally, the company provides payroll-related and human resource management business process outsourcing services in the United States of America (U.S.). The company operates in three global regions, such as North America (the U.S. and Canada), Europe (the United Kingdom (U.K.), Spain, and Portugal), and Latin America (Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, and Uruguay). The company also maintains support operations in the Republic of Ireland. Segments The company operates through four segments: U.S. Information Solutions (USIS), International, Workforce Solutions, and Personal Solutions. USIS This segment provides consumer and commercial information solutions to businesses in the U.S., including online information, decisioning technology solutions, fraud and identity management services, portfolio management services, mortgage reporting and financial marketing services. International This segment includes the company’s Canada, Europe and Latin America business units, provides products and services. Workforce Solutions This segment provides services enabling clients to verify income and employment (Verification Services) as well as to outsource and automate the performance of certain payroll-related and human resources management business processes, including unemployment cost management, tax credits and incentives and I-9 management services and services to allow employers to ensure compliance with the Affordable Care Act (Employer Services). Personal Solutions This segment provides products to consumers in the United States, Canada, and the U.K., enabling them to understand and monitor their credit and monitor and help protect their identity. The company also sells consumer and credit information to resellers who combine its information with other information to provide direct to consumer monitoring, reports and scores. Strategy The key elements of the company’s strategy are to develop unparalleled analytical insights leveraging Equifax unique data; innovate for market leadership in key domains and verticals; serve as a trusted steward and advocate for its customers and consumers; and invest in talent to drive its strategy and foster a culture of innovation. Markets and Clients The company’s products and services serve clients across a range of verticals, including financial services, mortgage, human resources, consumer, commercial, telecommunications, retail, automotive, utilities, brokerage, healthcare and insurance industries, as well as state and federal governments. The company also serves consumers directly. The company markets its products and services primarily through its own direct sales organization that is organized around sales teams that focus on client segments typically aligned by vertical markets and geography. The company also markets its products and services through indirect channels, including alliance partners, joint ventures and other resellers. In addition, it sells through direct mail and various Websites, such as www.equifax.com. The company’s major geographic market segments are the U.S.; Canada; Europe (the U.K., Spain and Portugal); and Latin America (Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru and Uruguay). It also m
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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