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Back to top.Equifax Wikipedia.Equifax Inc. is a consumer credit reporting agency.Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law.Date of availability.Equifax collects and aggregates information on over 8.Founded in 1. 89.Atlanta, Georgia, it is one of the three largest credit agencies along with Experian and Trans.Union known as the Big Three.Equifax has US 3.It is listed on the NYSE as EFX.Aside from offering credit and demographic related data and services to business5, 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 the subject of more than 5.Consumer Financial Protection Bureau from October 2.September 1. 7, 2.In September 2. 01.Equifax announced a cyber security breach, which it claims to have occurred between mid May and July 2.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 2.The company claims to have discovered evidence of the cybercrime event on July 2.Residents in the United Kingdom and Canada were also impacted.HistoryeditEquifax was founded in Atlanta, GA, as Retail Credit Company in 1.The company grew quickly and by 1.US and Canada. By the 1.Retail Credit Company was one of the nations largest credit bureaus, holding files on millions of American and Canadian citizens.Even though the company continued to do credit reporting, the majority of their business was making reports to insurance companies when people applied for new insurance policies including life, auto, fire and medical insurance.All of the major insurance companies used RCC to get information on health, habits, morals, use of vehicles and finances.They also investigated insurance claims and made employment reports when people were seeking new jobs.Most of the credit work was then being done by a subsidiary, Retailers Commercial Agency.Retail Credit Companys extensive information holdings, and its willingness to sell them to anyone, attracted criticism of the company in the 1.These included that it collected.The company was also alleged to reward its employees for collecting negative information on consumers.As a result, when the company moved to computerize its records, which would lead to much wider availability of the personal information it held, the US Congress held hearings in 1.These led to the enactment of the Fair Credit Reporting Act in the same year which gave consumers rights regarding information stored about them in corporate databanks.It is alleged that the hearings prompted the Retail Credit Company to change its name to Equifax in 1.The company later expanded into commercial credit reports on companies in the US, Canada and the UK, where it came into competition with companies such as Dun Bradstreet and Experian.The insurance reporting was phased out.The company also had a division selling specialist credit information to the insurance industry but spun off this service, including the Comprehensive Loss Underwriting Exchange CLUE database as Choice.Point in 1. 99. 7.The company formerly offered digital certification services, which it sold to Geo.Trust in September 2.In the same year, Equifax spun off its payment services division, forming the publicly listed company Certegy, which subsequently acquired Fidelity National Information Services in 2.Certegy effectively became a subsidiary of Fidelity National Financial as a result of this reverse acquisition merger See Certegy and Fidelity National Information Services for further information.In October 2. 01.Equifax acquired Anakam, an identity verification software company.Equifax purchased e.Thority, a business intelligence BI company headquartered in Charleston, South Carolina in October 2.Thority is partnering with TALX, a St.Louis based business unit of Equifax, and will remain in Charleston.Equifax Workforce Solutions is one of the 5.United States Department of Health and Human Services to work on the Health.Care. gov web site.ProductseditFor most of its existence, Equifax has operated primarily in the business to business sector, selling consumer credit and insurance reports and related analytics to businesses in a range of industries.Business customers include retailers, insurance firms, healthcare providers, utilities, government agencies, as well as banks, credit unions, personal and specialty finance companies and other financial institutions.Equifax sells businesses credit reports, analytics, demographic data, and software.Credit reports provide detailed information on the personal credit and payment history of individuals, indicating how they have honored financial obligations such as paying bills or repaying a loan.Credit grantors use this information to decide what sort of products or services to offer their customers, and on what terms.Equifax also provides commercial credit reports, similar to Dun Bradstreet, containing financial and non financial data on businesses of all sizes.Equifax collects and provides data through the NCTUE, an exchange of non credit data including consumer payment history on telco and utility accounts.In 1. 99. 9, Equifax began offering services to the credit consumer sector in addition, such as credit fraud and identity theft prevention products.Equifax, and other credit monitoring agencies are required by law to provide US residents with one free credit file disclosure every 1.Annualcreditreport.US Equifax credit records.Equifax offers also fraud prevention products based on device fingerprinting such as Fraud.IQ Authenticate Device.Security failingseditMarch 2.On September 1. 8, 2.Bloomberg News reported that Equifax had been the victim of a major breach of its computer systems in March 2. 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March it had begun notifying a small number of outsiders and banking customers about this attack.According to Bloombergs report, a person familiar with the breach believed this early March intrusion may have been carried out by the same party who breached Equifaxs computer systems again in May.According to Bloomberg, Equifax enlisted Mandiant owned by Fire.Eye, Inc. to assist in investigating the March attack.The same cybersecurity firm was hired following the MayJuly breach.MayJuly 2. 01. 7 data breacheditThe Equifax breach very possibly is the most severe of all for a simple reason the breath taking amount of highly sensitive data it handed over to criminals.By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be.Dan Goodin, Why the Equifax breach is very possibly the worst leak of personal info ever.Ars Technica, 2. 01.On September 7, 2.Equifax announced a cybercrime identity theft event potentially impacting approximately 1.U. S. consumers. 1.Information on an estimated range of under 4.British residents as well as 8,0.Canadian residents were also compromised.Though the attack was stated to have begun in mid May, the breach was not observed until July 2.Equifax CEO Rick Smith and a subsequent report by Equifax.Information accessed by the hacker or hackers in the breach included first and last names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.Credit card numbers for approximately 2.U. S. consumers, and certain dispute documents with personal identifying information for approximately 1.U. S. consumers were also accessed.Equifax stated in a September 1.Mandiant on August 2 to internally investigate the intrusion.The statement did not however record in its timeline exactly when government authorities all U.S. State Attorneys General and other federal regulators were notified of the breach, although it did assert the company continues to work closely with the FBI in its investigation.Equifax shares dropped 1.Numerous lawsuits have been filed against Equifax as a result of the breach.In one suit the law firm Geragos Geragos has indicated they would seek up to 7.U. S. history. 2.Numerous media outlets advised consumers to request a credit freeze to reduce the impact of the breach.
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