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. It also provides information, technology, and services to support debt collections and recovery management. 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: 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). Segments The company operates through four segments: U.S. Information Solutions (USIS), International, Workforce Solutions, and North America 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, and mortgage reporting and financial marketing services. This segment provides consumer information solutions to businesses in the U.S. through three product and service lines, as follows: Online Information Solutions: Online Information Solutions’ products are derived from multiple databases of consumer and commercial information that the company maintains about individual consumers and businesses, including credit history, current credit status, payment history, and address information. The company’s clients utilize the information and analytical insights that it provides to make decisions for a range of financial and business purposes, such as whether, and on what terms, to approve auto loans or credit card applications, and whether to allow a consumer or a business to open a new utility or telephone account. In addition, this information is used by its clients for cross selling additional products to existing customers, improving their underwriting and risk management decisions, and authenticating and verifying consumer and business identities. The company also sells consumer and credit information to resellers who combine its information with other information to provide services to the mortgage, fraud and identity management, direct to consumer monitoring and other end-user markets. Its software platforms and analytical capabilities could an integrate various types of information, including third-party and client information, to improve the insights and decisioning process to help further mitigate the risk of granting credit, predict the risk of bankruptcy, indicate the applicant’s risk potential for account delinquency, ensure the identity of the consumer, and reduce exposure to fraud. These risk management services enable the company’s clients to monitor risks and opportunities and proactively manage their portfolios. Online Information Solutions’ clients access products through a range of electronic distribution mechanisms, including direct real-time access, which facilitates instant decisions. The company also develops and hosts customized applications that improve the decision-making process for its clients. These decisioning technology applications assist with various decisioning activities, including determining pre-approved offers, cross-selling of various products, determining deposit amounts for telephone and utility companies, and verifying
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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