ion 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 Workforce Solutions 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, 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. The company 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 its 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 3,100 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 235 million and historic employment records, as of December 31, 2013. 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; and manage the tax rate that employers are assessed for unemployment taxes. The company offers services designed to research the availability of employment-related tax credits, and 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. NORTH AMERICA PERSONAL SOLUTIONS The company’s Personal Solutions 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. The company’s products are available to consumers in the United States and Canada directly primarily over the Internet, and indirectly through relationships with business partners who distribute its products or provide these services to their employees or customers. NORTH AMERICA COMMERCIAL SOLUTIONS The company’s Commercial Solutions products are derived from databases of credit, financial and marketing information regarding businesses in the U.S. and Canada. Databases that the company has compiled include loan, credit card, public records and leasing history data, trade accounts receivable performance, and Secretary of State and Securities and Exchange Commission registration information. The company also offers scoring and analytical services that provide additional information to help mitigate the credit risk assumed by its clients. The company also has a marketing database, which hosts approximately 59 million commercial demographic data records from worldwide helping companies to identify corporate family structures for
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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