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October 1, 2017 - Comment

Equifax Inc. is a consumer credit reporting agency. Equifax collects and aggregates information on over 800 million individual consumers and more than 88 million businesses worldwide. Founded in 1899 and based in Atlanta, Georgia, it is the oldest of the three largest credit agencies along with Experian and TransUnion (known as the “Big Three”). Equifax

Equifax Inc. is a consumer credit reporting agency. Equifax collects and aggregates information on over 800 million individual consumers and more than 88 million businesses worldwide. Founded in 1899 and based in Atlanta, Georgia, it is the oldest of the three largest credit agencies along with Experian and TransUnion (known as the “Big Three”). Equifax has US$ 3.1 billion in annual revenue and 9,000+ employees in 14 countries. It is listed on the NYSE as EFX.
Aside from offering credit and demographic related data and services to business, Equifax sells credit monitoring and fraud-prevention services directly to consumers. Like all credit reporting agencies, the company is required by US law to provide consumers with one free credit report every year.
Equifax was also the subject of more than 57,000 consumer complaints to the Consumer Financial Protection Bureau from October 2012 to September 17, 2017 with most complaints relating to incomplete, inaccurate, outdated, or misattributed information held by the company.
In September 2017, Equifax announced a cyber-security breach, which it claims to have occurred between mid-May and July 2017, where cybercriminals accessed approximately 143 million U.S. Equifax consumers’ personal data, including their full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers. Equifax also confirmed at least 209,000 consumers’ credit card credentials were taken in the attack. The company claims to have discovered the evidence of cybercrime event on July 29, 2017. Residents in the United Kingdom and Canada were also impacted.

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