entation and management, and processing and to manage the tax rate that employers are assessed for unemployment taxes; services designed to research the availability of employment-related tax credits (the federal work opportunity and welfare to work tax credits and state tax credits), process the necessary filings and assist the client in obtaining the tax credit; W-2 management services (which include initial distribution, reissue and correction of W-2 forms); paperless pay services that enable employees to electronically receive pay statement information, as well as review and change direct deposit account or W-4 information; integrated electronic time capture and reporting services; paperless new-hire services to bring new workers on board using electronic forms; I-9 management services designed to help clients electronically comply with the immigration laws that require employers to complete an I-9 form for each new hire; and onboarding services using online forms to complete the new hire process for employees of corporate and government agencies. The company also offers analytical services enabling its customers to understand the demographic profile and key statistical metrics of their workforce. In addition, it provides software and services to employers to assist in compliance with the Affordable Care Act through partnerships with government agencies. North America Personal Solutions This segment’s products give consumers information to enable them to understand and monitor their credit and monitor and help protect their identity primarily through its Equifax Complete, ID Patrol, Credit Watch, and Score Watch monitoring products. Consumers could obtain credit file information about them and Equifax or FICO credit scores. The company’s products also offer monitoring features for consumers who are concerned about identity theft and data breaches, including credit report monitoring from all three bureaus, Internet and bank account monitoring, lost wallet support, and the ability to lock and unlock the Equifax credit file. Its products are available to consumers in the U.S. and Canada directly primarily through the Internet and indirectly through relationships with business partners who distribute its products or provide these services to their employees or customers. 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. It also serves consumers directly. Sales and Marketing 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 aligned by vertical markets and geography. Sales groups are based in its headquarters in Atlanta, Georgia, and field offices located in the U.S. and in the countries where the company has operations. 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. Acquisitions In 2014, the company acquired the TDX Group, a debt placement service and debt management platform company in the U.K. Business Strategy The company’s long-term corporate growth strategy is driven by various initiatives, including increasing the penetration of its clients’ information solutions needs; deploying decisioning technologies and analytics globally; investing in unique data sources; pursuing new vertical markets and expanding into emerging markets; and serving as a trusted steward and advocate for its customers and consumers. Intellectual Property The company owns various patents registered in the U.S. and various in foreign countries. It also has certain registered trademarks, service marks, logos and Internet URLs in the U.S. and in various foreign countries, the important of which are ‘Equifax’, ‘Decision360’, ‘The Work Number’, and variations there
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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