EQUIFAX INC (EFX)

Equifax Inc. is a global data, analytics and technology company that provides information solutions for businesses, governments and consumers, along with human resources business process automation and outsourcing services for employers. Its services draw on databases of consumer and business information covering credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice, healthcare professional licensure and sanctions, and demographic and marketing data. The company applies statistical techniques, artificial intelligence, machine learning and proprietary software to create customized insights, decisioning and process automation solutions. It is a leading provider of payroll-related and HR management business process services in the U.S. and of e-commerce fraud and chargeback protection in North America. Equifax was incorporated in Georgia in 1913, and its predecessor dates to 1899.

The business is organized into three segments. Workforce Solutions offers Verification Services (income, employment, educational history, criminal justice and professional licensure verification, largely through The Work Number platform) and Employer Services (unemployment claims management, I-9 and onboarding, Affordable Care Act compliance, tax credits and incentives, and tax form management). U.S. Information Solutions provides online consumer and commercial information, decisioning technology, identity management, fraud, analytical and portfolio management services, mortgage tri-merge credit reports, and financial marketing services, plus credit and identity monitoring products for consumers. International provides similar products by region across Latin America, Europe, Asia Pacific and Canada, along with debt collection and recovery management services and consumer credit protection products in Canada, the U.K., Australia and Chile. It also includes joint ventures in Brazil, Cambodia, Malaysia and Singapore. Fees in Workforce Solutions are generally charged per transaction.

Clients span mortgage, financial services, employers, government, automotive, commercial, identity and fraud, consumer, resellers, healthcare, telecommunications, retail and insurance, and Equifax also serves consumers directly. Revenue is diversified, with the largest client providing about 3% of total revenue. International clients, including end users and resellers, accounted for 23% of revenue in 2025. The company operates in North America, Latin America (12 countries), Europe (the U.K., Spain and Portugal) and Asia Pacific (Australia, New Zealand and India), with support operations in Chile, Costa Rica, India and Ireland.

Equifax sells mainly through its own direct sales organization, organized by vertical market and geography, and also through alliance partners, joint ventures and resellers, as well as directly to consumers through e-commerce channels. Its headquarters is in Atlanta, Georgia. Its strategy centers on a cloud-native technology platform with a single data fabric, expanding differentiated data assets, strategic acquisitions, data security and talent. Workforce Solutions draws payroll data from over 4 million contributing organizations. Competition is broad and varied. Verification Services and Employer Services face low barriers to entry, with rivals including in-house employer functions, online and offline verification firms, HR consulting and management providers, payroll processors, accounting firms and many smaller companies. Equifax, Experian and TransUnion are the three major U.S. consumer reporting agencies.