What changed in this filing

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Item 9A. Controls and Procedures

2022-02-24 compared with 2021-02-25 · 66 added, 44 removed, 239 unchanged (32% of the section changed)

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Financial Statements and Supplementary Data” of this Form 10-K on page 55.

On February 10, 2021, the Company acquired Kount, a provider of fraud prevention and digital identity solutions in the U.S.

Additionally, the Company acquired Appriss Insights, a source of risk and criminal justice intelligence information in the U.S., on October 1, 2021.

As permitted by Securities and Exchange Commission guidance, we elected to exclude Kount and Appriss Insights, representing total assets (excluding goodwill and identified intangible assets) of approximately 0.6% of our consolidated total assets as of December 31, 2021 and operating revenues of 1.7% of our consolidated operating revenues for the year ended December 31, 2021, from our assessment of internal control over financial reporting as of December 31, 2021.

There were no other acquisitions completed during 2021 that were material to the 2021 consolidated financial statements.

Changes in Internal Control Over Financial Reporting

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is set forth below.

Begor (62) has been Chief Executive Officer and a member of the Board of Directors since April 2018.

Begor (63) has been our Chief Executive Officer and a member of the Board of Directors since April 2018.

Prior thereto, he was a Managing Director in the Industrial and Business Services group at Warburg Pincus, a global private equity investment firm, since June 2016.

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He currently serves on the board of directors of NCR Corporation.

Beverly Anderson (57) has been President, Global Consumer Solutions, since November 2019.

Prior thereto, she served as Executive Vice President, Head of Card and Retail Services at Wells Fargo & Company, since March 2012.

Prior to that, she served in roles of increasing responsibility at American Express from July 2004, ultimately serving as Vice President and General Manager, American Express Business Insights Americas—Global Merchant Services.

She currently serves on the board of directors of Expedia Group, Inc.

Sunil Bindal (46) has been Senior Vice President of Corporate Development since October 2020.

Sunil Bindal (47) has been our Executive Vice President, Chief Corporate Development Officer since October 2020.

Prior to joining Equifax, Mr.

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Prior thereto, he served as Director, Technology Mergers and Acquisitions, of Credit Suisse since July 2006.

Carla Chaney (50) has been Corporate Vice President and Chief Human Resources Officer since April 2019.

Carla Chaney (51) has been our Executive Vice President, Chief Human Resources Officer since April 2019.

Prior thereto, she served as Executive Vice President, Human Resources of Graphic Packaging Holding Company and Graphic Packaging International, since July 2013.

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Prior thereto, she held a variety of leadership roles with Exide Technologies and Newell Rubbermaid, Inc., since 2004.

Prasanna Dhoré (59) assumed the expanded role of Chief Data and Analytics and Innovation Officer in December 2020.

He has served as Chief Data and Analytics Officer since August 2012.

Prior thereto, Mr.

Dhoré was Vice President, Global Customer Intelligence of Hewlett Packard from July 2007 to August 2012.

Prior to that, he was Executive Vice President, Distribution, Customer Intelligence, and Marketing of Dreyfus Service Corporation from July 1996 to July 2007.

Jamil Farshchi (43) has been our Chief Information Security Officer since February 2018.

Jamil Farshchi (44) has been our Executive Vice President, Chief Information Security Officer since February 2018.

Prior to joining Equifax, Mr.

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Farshchi has also held senior roles at Los Alamos National Laboratory, Sitel Corporation, Nextwave Broadband and NASA.

(58) has been Corporate Vice President and Chief Financial Officer since May 2014.

(59) has been our Executive Vice President, Chief Financial Officer and Chief Operations Officer since February 2021.

Prior thereto, he was Corporate Vice President and Chief Financial Officer since May 2014.

Prior to that, Mr.

Gamble was Executive Vice President and Chief Financial Officer of Lexmark International, Inc., a global provider of document solutions, enterprise content management software and services, printers and multifunction printers, from September 2005 until May 2014.

Hartman (61) has been President, International, since November 2015.

Prior thereto, he served as Senior Vice President, Corporate Development, since April 2010.

Prior thereto, he served as President of Growth Vector from 2009 to 2010.

Prior thereto, he served as Executive Vice President and Chief Commercial Officer for Acuity Brands from 2004 to 2009.

Houston (50) has been Chief Transformation Officer since October 2017.

Houston (51) has been our Executive Vice President, Chief Strategy and Marketing Officer since March 2021.

Prior thereto, she was our Chief Transformation Officer since October 2017.

Prior thereto, she was Senior Vice President, U.S.

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Prior thereto, she served in roles of increasing responsibility at Mirant Corporation from 2004 to 2010, ultimately serving as Senior Vice President, General Counsel, Chief Compliance Officer and Corporate Secretary.

Kelley III (60) has been Corporate Vice President and Chief Legal Officer since January 2013.

Kelley III (61) has been our Executive Vice President, Chief Legal Officer and Corporate Secretary since January 2013.

Prior to joining Equifax, Mr.

Kelley was a senior partner in the Corporate Practice Group of the law firm of King & Spalding LLP.

Bryson Koehler (45) h as been our Chief Technology Officer since June 2018.

Bryson Koehler (46) h as been our Executive Vice President, Chief Technology, Product and D&A Officer since December 2021.

Prior thereto, he was our Chief Technology Officer since June 2018.

Prior to joining Equifax, Mr.

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Before that, he served as Senior Vice President of Global Revenue & Guest Technology at the Intercontinental Hotels Group.

Ploder (60) has been President, Workforce Solutions, since November 2015.

Lisa Nelson (58) has been our Executive Vice President, President, International since June 2021.

Prior thereto, she served as Group Managing Director, Equifax Australia and New Zealand, since August 2019.

Prior thereto, she served as President and General Manager, Equifax Canada, since January 2015.

Prior thereto, she served as Senior Vice President, Enterprise Alliance Leader of Equifax U.S.

Information Solutions, since November 2011.

Prior to joining Equifax, she served as Vice President, Global Scoring Solutions of FICO, since August 2004.

Ploder (61) has been our Executive Vice President, President, Workforce Solutions since November 2015.

Prior thereto, he served as President, U.S.

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Prior thereto, he was Group Executive, Latin America from February 2004 to January 2007.

Sid Singh (43) has been President, U.S.

Sid Singh (44) has been our Executive Vice President, President, U.S.

Information Solutions since February 11, 2019.

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3.2 Amended and Restated Bylaws of Equifax Inc.

(incorporated by reference to Exhibit 3.

2 to Equifax’s Form 8-K filed February 9, 2021).

(incorporated by reference to Exhibit 3.2 to Equifax’s Form 8-K filed February 9, 2021).

Instruments Defining the Rights of Security Holders, Including Indentures

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and The Bank of New York Trust Company, N.A.

(under which Equifax’s 7.00% Senior Notes due 2037 were issued), to the 1998 Indenture (incorporated by reference to Exhibit 4.

3 to Equifax’s Form 8-K filed June 29, 2007).

(under which Equifax’s 7.00% Senior Notes due 2037 were issued), to the 1998 Indenture (incorporated by reference to Exhibit 4.3 to Equifax’s Form 8-K filed June 29, 2007).

4.3 Fourth Supplemental Indenture dated as of December 17, 2012, between Equifax Inc.

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and the Trustee, including the form of 2030 Note as Exhibit A (incorporated by reference to Exhibit 4.2 to Equifax's Form 8-K filed April 27, 2020).

4.14 Ninth Supplemental Indenture, dated as of August 13, 2021, between Equifax Inc.

and the Trustee, including the form of Note as Exhibit A (incorporated by reference to Exhibit 4.1 to Equifax’s Form 8-K filed August 16, 2021).

4.15 Credit Agreement, dated as of August 25, 2021, by and among Equifax Inc., Equifax Limited, Equifax Canada Co., Equifax International Treasury Services Unlimited Company and Equifax Australia Holdings Pty Limited, JPMorgan Chase Bank, N.A., as administrative agent, and the lenders party thereto (incorporated by reference to Exhibit 10.1 to Equifax’s Form 8-K filed August 31, 2021).

4.16 Term Loan Credit Agreement, dated as of August 25, 2021, by and between Equifax Inc., JPMorgan Chase Bank, N.A., as administrative agent, and the lenders party thereto (incorporated by reference to Exhibit 10.2 to Equifax’s Form 8-K filed August 31, 2021).

4.17 Description of the Company’s Securities Registered under Section 12 of the Securities Exchange Act of 1934 (incorporated by reference to Exhibit 4.14 to Equifax's Form 10-K filed February 20, 2020).

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10.3 Amendment No.

1 to Supplemental Retirement Plan for Executives of Equifax Inc., effective January 1, 2020.

1 to Supplemental Retirement Plan for Executives of Equifax Inc., effective January 1, 2020 (incorporated by reference to Exhibit 10.3 to Equifax’s Form 10-K filed February 25, 2021).

10.4 Amendment No.

2 to Supplemental Retirement Plan for Executives of Equifax Inc., effective November 4, 2020.

2 to Supplemental Retirement Plan for Executives of Equifax Inc., effective November 4, 2020 (incorporated by reference to Exhibit 10.4 to Equifax’s Form 10-K filed February 25, 2021).

10.5 Trust Agreement for Supplemental Retirement Plan for Executives of Equifax Inc.

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1 to Equifax Inc.

2008 Omnibus Incentive Plan, effective February 6, 2017.

2008 Omnibus Incentive Plan, effective February 6, 2017 (incorporated by reference to Exhibit 10.8 to Equifax’s Form 10-K filed February 25, 2021).

10.9 Amendment No.

2 to Equifax Inc.

2008 Omnibus Incentive Plan, effective November 4, 2020.

2008 Omnibus Incentive Plan, effective November 4, 2020 (incorporated by reference to Exhibit 10.9 to Equifax’s Form 10-K filed February 25, 2021).

10.10 Form of Non-Qualified Stock Option Agreement (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.9 to Equifax’s form 10-K filed February 22, 2013).

10.11* Form of Non-Employee Director Restricted Stock Unit Award Agreement.

10.11 Form of Non-Employee Director Restricted Stock Unit Award Agreement (incorporated by reference to Exhibit 10.11 to Equifax’s Form 10-K filed February 25, 2021).

10.12 Equifax Inc.

Director Deferred Compensation Plan, as amended through November 5, 2020.

(incorporated by reference to Exhibit 10.12 to Equifax’s Form 10-K filed February 25, 2021).

10.13 Equifax Grantor Trust dated as of January 23, 2014, between Equifax Inc.

and Principal Trust Company, Trustee, relating to supplemental deferred compensation and phantom stock benefits.

and Principal Trust Company, Trustee, relating to supplemental deferred compensation and phantom stock benefits (incorporated by reference to Exhibit 10.13 to Equifax’s Form 10-K filed February 25, 2021).

10.14 Equifax Inc.

Director and Executive Stock Deferral Plan, as amended and restated effective January 1, 2019.

Director and Executive Stock Deferral Plan, as amended and restated effective January 1, 2019 (incorporated by reference to Exhibit 10.14 to Equifax’s Form 10-K filed February 25, 2021).

10.15 Amendment No.

1 to Equifax Inc.

Director and Executive Stock Deferral Plan, effective as of November 4, 2020.

Director and Executive Stock Deferral Plan, effective as of November 4, 2020 (incorporated by reference to Exhibit 10.15 to Equifax’s Form 10-K filed February 25, 2021).

10.16* Amendment No.

2 to Equifax Inc.

Director and Executive Stock Deferral Plan, effective as of December 2, 2021.

10.17 Equifax 2005 Executive Deferred Compensation Plan, as amended and restated effective January 1, 2015 (incorporated by reference to Exhibit 10.1 to Equifax’s Form 10-Q filed July 28, 2016).

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10.20 Amendment No.

3 to Equifax 2005 Executive Deferred Compensation Plan, effective as of November 4, 2020.

3 to Equifax 2005 Executive Deferred Compensation Plan, effective as of November 4, 2020 (incorporated by reference to Exhibit 10.19 to Equifax’s Form 10-K filed February 25, 2021).

10.21 Amendment No.

4 to Equifax 2005 Executive Deferred Compensation Plan, effective as of May 5, 2021 (incorporated by reference to Exhibit 10.1 to Equifax’s Form 10-Q filed July 22, 2021).

10.22 Equifax Inc.

Employee Deferred Compensation Plan (incorporated by reference to Exhibit 4.1 to Equifax’s Form S-8 filed November 24, 2021).

10.23* Equifax Inc.

Board of Directors Deferred Compensation Plan.

10.24 Form of Non-Qualified Stock Option Award Agreement (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2017) (incorporated by reference to Exhibit 10.4 to Equifax’s Form 10-Q filed April 27, 2017).

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in February 2017) (incorporated by reference to Exhibit 10.4 to Equifax’s Form 10-Q filed April 27, 2017).

10.25 Employment Agreement, dated March 27, 2018, between the Company and Mark W.

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10.27 Form of Restricted Stock Unit Award Agreement (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after March 2018) (incorporated by reference to Exhibit 10.2 to Equifax’s Form 10-Q filed April 26, 2018).

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in March 2018 to January 2021 ) (incorporated by reference to Exhibit 10.2 to Equifax’s Form 10-Q filed April 26, 2018).

10.28 Form of Non-Qualified Stock Option Award Agreement (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after March 2018) (incorporated by reference to Exhibit 10.3 to Equifax’s Form 10-Q filed April 26, 2018).

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in March 2018 to January 2021 ) (incorporated by reference to Exhibit 10.3 to Equifax’s Form 10-Q filed April 26, 2018).

10.29 Form of Restricted Stock Unit Award Agreement (CEO) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2021) (incorporated by reference to Exhibit 10.1 to Equifax’s Form 10-Q filed April 22, 2021).

10.30 Form of Premium-Priced Stock Option Award Agreement (CEO) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2021) (incorporated by reference to Exhibit 10.2 to Equifax’s Form 10-Q filed April 22, 2021).

10.31 Form of Performance Share Award Agreement (TSR) (CEO) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2021) (incorporated by reference to Exhibit 10.3 to Equifax’s Form 10-Q filed April 22, 2021).

10.32 Form of Restricted Stock Unit Award Agreement (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2021) (incorporated by reference to Exhibit 10.4 to Equifax’s Form 10-Q filed April 22, 2021).

10.33 Form of Non-Qualified Stock Option Award Agreement (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2021) (incorporated by reference to Exhibit 10.5 to Equifax’s Form 10-Q filed April 22, 2021).

10.34 Form of Performance Share Award Agreement (TSR) (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after March 2018) (incorporated by reference to Exhibit 10.4 to Equifax’s Form 10-Q filed April 26, 2018).

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2021) (incorporated by reference to Exhibit 10.6 to Equifax’s Form 10-Q filed April 22, 2021).

10.35 Form of Performance Share Award Agreement (TSR) (Senior Leadership Team) under the Equifax Inc.

Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in March 2018 to January 2021 ) (incorporated by reference to Exhibit 10.4 to Equifax’s Form 10-Q filed April 26, 2018).

10.36 Equifax Inc.

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Other Exhibits and Certifications

18.1* Preferability Letter from Independent Registered Public Accounting Firm

21.1* Subsidiaries of Equifax Inc.

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(Principal Executive Officer)

Corporate Vice President and Chief Financial Officer

Executive Vice President, Chief Financial Officer and Chief Operations Officer

(Principal Financial Officer)

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Audrey Boone Tillman

/s/ Heather Wilson

Heather Wilson

/s/ Heather H.

SCHEDULE II — VALUATION AND QUALIFYING ACCOUNTS

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Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 9A. Controls and Procedures