Equifax, Inc. engages in the provision of information solutions and human resources business process outsourcing services. It operates through the following business segments: U.S. Information Solutions, International, Workforce Solutions, and Personal Solutions. The U.S. Information Solutions segment includes consumer and commercial information services, mortgage loan origination information, financial marketing services, and identity management. The International segment offers information, technology, and services to support debt collections and recovery management in Europe and Latin America. The Workforce Solutions segment covers employment, income, and social security number verification services as well as complementary payroll-based transaction and employment tax management services. The Personal Solutions segment sells credit information, credit monitoring, and identity theft protection products. The company was founded by Cator Woolford and Guy Woolford in 1899 and is headqua