EQUIFAX INC: management transactions · United States · SEC (Form 4)

About EQUIFAX INC

Equifax Inc. (ticker: EFX) is a U.S.-based company listed on the NYSE, with headquarters in Atlanta, Georgia, United States. Founded in 1899, Equifax has evolved into a leading data, analytics, and technology company that sits at the core of decision-making for employers, financial institutions, government agencies, and lenders. For French-speaking investors, the company is best understood as an information infrastructure business: it helps customers make faster, more confident decisions using proprietary data and analytics rather than operating as a traditional consumer-facing brand. Equifax’s business model is organized around three major operating segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. Workforce Solutions is centered on employment and income verification services, including The Work Number, as well as HR-related and verification products used by lenders and public agencies. USIS provides consumer and commercial credit information, identity and fraud tools, and analytics in the U.S. market. International covers credit and data operations outside the United States, with meaningful scale in Latin America, Canada, and other global markets. The company says it operates in 24 countries and serves a broad range of industries including mortgage, financial services, government, insurance, telecommunications, healthcare, logistics, manufacturing, and retail/e-commerce. From a competitive standpoint, Equifax is one of the three major U.S. consumer credit bureaus alongside Experian and TransUnion, but its differentiation increasingly comes from workforce verification, data assets, and technology-led products. The company has spent several years transforming its operating model around the Equifax Cloud, which has allowed it to retire legacy systems and expand cloud-native product development. Management has also emphasized artificial intelligence, machine learning, and patent generation as key strategic priorities. This matters because it can support faster product cycles, lower infrastructure complexity, and potentially better operating leverage over time. Key products and platforms include The Work Number, mortgage verification tools, identity and fraud solutions, risk scoring, and decisioning analytics. Recent developments have included new launches such as Equifax Ignite AI Advisor, Income Qualify, and Complete Income, all aimed at improving workflows for lenders, employers, and government clients. Equifax also completed the acquisition of Vault Verify in 2025, strengthening its employment and income verification capabilities. Recent company communications have highlighted ongoing innovation, patent activity tied to AI, and continued momentum in new product introductions. For investors, Equifax offers a mix of defensive characteristics and technology-driven growth. The business is exposed to cycles in U.S. mortgage origination and hiring activity, but its proprietary datasets, embedded workflows, and cloud-based product stack create meaningful barriers to entry. As a result, Equifax remains a strategically important player in the United States data and verification ecosystem and a noteworthy name among NYSE-listed financial information providers.