Company Overview

Equifax is one of the three major credit bureaus in the United States, along with Experian and TransUnion. The company collects and maintains records of individual consumers' credit histories, which lenders then use to determine a person's creditworthiness. Equifax was founded in 1899 and has become one of the world's largest consumer credit reporting agencies. Equifax is headquartered in Atlanta, Georgia.

The company is proud to make a difference, one person at a time. Equifax is committed to protecting the confidentiality, integrity, and security of its customers' information. They have long-standing customer service and satisfaction history and work daily to earn and keep their customers' trust.

Equifax's approach to data security is just one example of this commitment. They maintain physical, electronic, and procedural safeguards designed to protect customer information. In addition, they require their employees and business partners to adhere to strict confidentiality standards. They regularly monitor their systems and procedures to ensure they remain effective.

Equifax employees know that their success depends on the trust of their customers, and they are committed to maintaining that trust. They will continue to work hard to earn and keep their customers' confidence.

Equifax's Consumer Services

Equifax offers several other services to help consumers manage their financial lives. These services include:

Identity Theft Protection:

Equifax offers several products to help guard against identity theft and fraud, including credit monitoring, dark web monitoring, and identity restoration services.

Fraud Detection:

Equifax provides tools and resources to help consumers detect and prevent fraud.

Credit counseling:

Equifax offers free counseling services to help consumers understand and improve their credit scores.

Debt Management:

Equifax partners with nonprofit credit counseling agencies to provide consumer debt management services.

Type Of Consumer Data Collected

Equifax collects a variety of data types on consumers, including:

• Personal information 

• Credit history and credit scores

• Financial account information

• Employment history

• Public records information (bankruptcies, foreclosures, etc.)

• Internet or other similar network activity. 

• Device information such as browser, operating system type, device ID, and IP address.

• Support information.

• Education information.

How Does Equifax Use Consumer Data?

Equifax uses consumer data to provide various services, including credit reporting, identity theft protection, fraud detection, credit counseling, and debt management. Equifax may also use consumer data for marketing purposes. For example, Equifax may use consumer data to send targeted marketing messages about new products or services.

Does Equifax Share Consumer Data?

Equifax does share consumer data with businesses and organizations that have a legitimate need for information. For example, Equifax may share consumer data with lenders who are considering extending credit to a consumer. 

Equifax may also share consumer data with businesses that provide services to help consumers manage their financial lives, such as credit counseling or debt management services. In addition, Equifax may share consumer data with companies that perform marketing services on their behalf as given in their privacy statement.

The Rights Given Under CCPA, FCRA, and DPA

You can ask Equifax to release the categories and particular pieces of personal information that it has gathered about you in accordance with the California Consumer Privacy Act (CCPA). Additionally, you have the right to ask Equifax to erase your personal data.

You have the right to ask Equifax for a free copy of your credit report in accordance with the Fair Credit Reporting Act (FCRA). Additionally, you have the ability to challenge any erroneous or missing data on your credit report.

Under the Data Protection Act (DPA), you have the right to request access to your data and the right to request that your data be erased or destroyed.

How To Request Deletion Of Your Data?

Opting out of Promotional or Marketing Email

Suppose you do not wish to receive promotional or marketing offers by email. In that case, you may opt out of receiving further promotional offers and emails by clicking on the "unsubscribe" button in the email. 

Sharing of your Personal Data

You have the option to limit the sharing of your information for marketing purposes among our affiliates, with non-affiliates (except sharing as part of a joint marketing agreement), and the disclosure of personal information on your creditworthiness among non-affiliated.

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• Visit https://www.equifax.com/personal/credit-report-services/.

• Call 1-866-807-7461

• You can fill out a do not sell my information form here

• You may email them at usprivacy@equifax.com 

Online Behavioral Advertising

By visiting the DAA and Network Advertising Initiative opt-out pages here or here, respectively, you can choose not to receive advertisements based on your online activity or by selecting the Ad-Choices icon located in or next to the advertisement.