egment includes the company’s Canada Consumer, Europe, and Latin America business units. These business units offer products that are similar to those available in the USCIS operating segment, and its North America Commercial and Personal Solutions segments. These products are sold in Argentina, Canada, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Paraguay, Peru, Portugal, Spain, the U.K., and Uruguay. The company also maintains support operations in the Republic of Ireland, Chile, and Costa Rica. It has an investment in the consumer and commercial credit information company in Brazil, and offers consumer credit services in Russia and India through joint ventures. Canada Consumer Similar to the company’s OCIS, Mortgage Solutions, and CFMS business units, Canada Consumer offers products derived from the credit information that the company maintains about individual consumers. It offers various products in Canada, including credit reporting and scoring, consumer marketing, risk management, fraud detection and modeling services, identity management, and authentication services, together with certain of its decisioning products that facilitate pre-approved offers of credit and automate various credit decisions. 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 the company 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 in the U.K. Marketing products, which are similar to those offered in its CFMS business unit, are primarily available in the U.K. and Spain. Latin America The company’s Latin American operation provides consumer and commercial information solutions products and marketing products. It offers a range of products, generated from credit records that it maintains, including credit reporting and scoring, decisioning technology, risk management, identity management and authentication and fraud detection services. The company also offers various commercial products, which include credit reporting, decisioning tools, and risk management services, in the countries it serves. 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, Paraguay, Peru, and Uruguay. WORKFORCE SOLUTIONS This segment operates in the U.S. through two business units: Verification Services Verification Services include employment, income, and social security number verification services. The company’s online verification services enable direct third-party verifiers to its work number database 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 work number database. The company expanded its services to provide IRS income verifications using the IncomeChek product, as well as identity verification through a Web-based portal using the DirectChek product. The database contained approximately 221 million current and historic employment records as of December 31, 2012. Employer Services The company offers a suite of services, including assisting with employment tax matters designed to reduce the cost of unemployment claims through claims representation and management, and processing and to manage the tax rate that employers are assessed for unemployment taxes; comprehensive services designed to research the availability of employment-related tax credits (the federal work opportunity an
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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