cisions. Europe: The company’s European operation provides information solutions, marketing and personal solutions products. Information solutions and personal solutions products are generated from information that it maintains and includes credit reporting and scoring, asset information, risk management, identity management and authentication services, fraud detection and modeling services. Majority of these products are sold in the U.K. with a set of information solutions products sold in Portugal and Spain. The company’s commercial products, such as business credit reporting and commercial risk management services, are available primarily in the U.K, with a set of information solutions products sold in Portugal and Spain. Marketing products, which are similar to those offered in its Financial Marketing Services business unit, are primarily available in the U.K., and to a lesser extent, in Spain. Beginning in 2014, the company also provides information, technology, and services to support debt collections and recovery management. Latin America: The company’s Latin American operation provides consumer and commercial information solutions products, marketing products and personal solutions products. It offers a range of products, generated from credit records that the company maintains, including credit reporting and scoring, decisioning technology, risk management, identity management, authentication, and fraud detection services. The company’s consumer products are the primary source of revenue in each of the countries in which it operates. The company also offers various commercial products, which include credit reporting, decisioning tools and risk management services, in the countries that it serves. The company also provides information, technology and services to support debt collections and recovery management. Additionally, it provides various consumer and commercial marketing products generated from its credit information databases, including business profile analysis, business prospect lists, and database management. The countries in which the company operates include Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, and Uruguay. Workforce Solutions This segment provides services enabling clients to verify income and employment (Verification Services), as well as outsource and automate the performance of certain payroll-related and human resources management business processes, including social security number verification and employment-related tax management (Employer Services). Verification Services: Verification Services include employment, income and social security number verification services. The company’s online verification services enable direct third-party verifiers, including various governmental agencies, mortgage originators, credit card and automotive lenders, and pre-employment screeners to verify the employee’s employment status and income information. It also offers an offline research verification service, which expands employment verification to locate data outside its existing automated database. The company’s services also include IRS income verifications using the IncomeChek product, as well as identity verification through a secure, Web-based portal using the DirectChek product. The Work Number is the company’s key repository of employment and income data serving its verifier business and enabling employer human resource services. The company relies on payroll data received from approximately 4,300 organizations. The company uses this data to provide automated employment and income verification services to third-party verifiers, as well as enabling employer services, such as unemployment claims, I-9 and eVerify transactions and employer tax credits opportunities. The database contained approximately 255 million current and historic employment records as of December 31, 2014. Employer Services: These services are aimed at reducing the cost to the human resources function of businesses through a suite of services, including assisting with employment tax matters designed to reduce the cost of unemployment claims through claims repres
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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