16 unchanged sentences
Financial Statements and Supplementary Data” of this Form 10-K on page 52.
−Removed: On February 10, 2021, the Company acquired Kount, a provider of fraud prevention and digital identity solutions in the U.S.
−Removed: Additionally, the Company acquired Appriss Insights, a source of risk and criminal justice intelligence information in the U.S., on October 1, 2021.
−Removed: 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.
−Removed: There were no other acquisitions completed during 2021 that were material to the 2021 consolidated financial statements.
Changes in Internal Control Over Financial Reporting
24 unchanged sentences
Carla Chaney (52) has been our Executive Vice President, Chief Human Resources Officer since April 2019.
−Removed: Prior thereto, she served as Executive Vice President, Human Resources of Graphic Packaging Holding Company and Graphic Packaging International, since July 2013.
−Removed: Prior thereto, she served as Executive Vice President, Human Resources and Communications, since February 2012.
+Added: Prior thereto, she served as Executive Vice President, Human Resources and Communications of Graphic Packaging Holding Company and Graphic Packaging International, since February 2012.
Prior thereto, she held a variety of leadership roles with Exide Technologies and Newell Rubbermaid, Inc., since 2004.
38 unchanged sentences
Prior thereto, he was Group Executive, Latin America from February 2004 to January 2007.
−Removed: Sid Singh (44) has been our Executive Vice President, President, U.S.
−Removed: Information Solutions since February 11, 2019.
−Removed: Singh served as group president of Integrated Solutions & Vertical Markets at Global Payments Inc., since February 2013.
−Removed: Prior thereto, he served as Senior Vice President, Global Product of Global Payments Inc.
−Removed: Prior thereto, he served as Vice President and Regional Head, Asia Pacific of Global Payments Inc.
−Removed: Prior thereto, he held senior management positions with HSBC and Citibank.
EXECUTIVE COMPENSATION
11 unchanged sentences
• Consolidated Balance Sheets — December 31, 2022 and 2021;
−Removed: • Consolidated Statements of Income (Loss) for the Years Ended December 31, 2021, 2020 and 2019;
−Removed: • Consolidated Statements of Comprehensive Income (Loss) for the Years Ended December 31, 2021, 2020 and 2019;
+Added: • Consolidated Statements of Income for the Years Ended December 31, 2022, 2021 and 2020;
+Added: • Consolidated Statements of Comprehensive Income for the Years Ended December 31, 2022, 2021 and 2020;
• Consolidated Statements of Cash Flows for the Years Ended December 31, 2022, 2021 and 2020;
19 unchanged sentences
(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).
−Removed: 4.3 Fourth Supplemental Indenture dated as of December 17, 2012, between Equifax Inc.
−Removed: and The Bank of New York Mellon Trust Company, N.A.
−Removed: (under which Equifax’s 3.30% Senior Notes due 2022 were issued), to the 1998 Indenture (incorporated by reference to Exhibit 4.2 to Equifax’s Form 8-K filed December 11, 2012).
4.3 Credit Agreement, dated as of September 27, 2018, by and between Equifax Inc., Equifax Limited, Equifax Canada Co., Equifax Australia Holdings Pty Limited, and SunTrust Bank as administrative agent (incorporated by reference to Exhibit 10.1 to Equifax’s Form 8-K filed October 1, 2018).
1 unchanged sentence
Bank National Association, as Trustee (incorporated by reference to Exhibit 4.1 to Equifax’s Form 8-K filed May 12, 2016).
−Removed: 4.6 First Supplemental Indenture, dated as of May 12, 2016, between Equifax Inc.
−Removed: Bank National Association, as Trustee, including the form of 2021 Note as Exhibit A (incorporated by reference to Exhibit 4.2 to Equifax’s Form 8-K filed May 12, 2016).
4.5 Second Supplemental Indenture, dated as of May 12, 2016, between Equifax Inc.
Bank National Association, as Trustee, including the form of 2026 Note as Exhibit A (incorporated by reference to Exhibit 4.3 to Equifax’s Form 8-K filed May 12, 2016).
−Removed: 4.8 Third Supplemental Indenture, dated as of May 25, 2018, between Equifax Inc.
−Removed: and the Trustee, including the form of 2021 Note as Exhibit A (incorporated by reference to Exhibit 4.1 to Equifax’s Form 8-K filed May 25, 2018).
4.6 Fourth Supplemental Indenture, dated as of May 25, 2018, between Equifax Inc.
and the Trustee, including the form of 2023 Note as Exhibit A (incorporated by reference to Exhibit 4.2 to Equifax’s Form 8-K filed May 25, 2018).
−Removed: 4.10 Fifth Supplemental Indenture, dated as of May 25, 2018, between Equifax Inc.
−Removed: and the Trustee, including the form of Floating Rate Note as Exhibit A (incorporated by reference to Exhibit 4.3 to Equifax’s Form 8-K filed May 25, 2018).
4.7 Sixth Supplemental Indenture, dated as of November 19, 2019, between Equifax Inc.
9 unchanged sentences
4.13 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).
+Added: 4.14 Tenth Supplemental Indenture, dated as of September 12, 2022, between Equifax Inc.
+Added: 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 September 12, 2022).
Except as set forth in the preceding Exhibits 4.1 through 4.14, instruments defining the rights of holders of long-term debt securities of Equifax have been omitted where the total amount of securities authorized does not exceed 10% of the total assets of Equifax and its subsidiaries on a consolidated basis.
37 unchanged sentences
2 to Equifax Inc.
−Removed: Director and Executive Stock Deferral Plan, effective as of December 2, 2021.
+Added: Director and Executive Stock Deferral Plan, effective as of December 2, 2021 (incorporated by reference to Exhibit 10.16 to Equifax's Form 10-K filed February 24, 2022) .
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).
10 unchanged sentences
10.23 Equifax Inc.
−Removed: Board of Directors Deferred Compensation Plan.
+Added: Board of Directors Deferred Compensation Plan (incorporated by reference to Exhibit 10.23 to Equifax's Form 10-K filed February 24, 2022) .
10.24 Form of Non-Qualified Stock Option Award Agreement (Senior Leadership Team) under the Equifax Inc.
9 unchanged sentences
10.29 Form of Restricted Stock Unit Award Agreement (CEO) under the Equifax Inc.
−Removed: 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).
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in 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.
−Removed: 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).
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in 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.
−Removed: 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).
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in 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.
−Removed: 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).
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in 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.
−Removed: 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).
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in 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.
−Removed: 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).
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in 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.
4 unchanged sentences
2020 Employee Stock Purchase Plan (incorporated by reference to Annex B to Equifax's definitive proxy statement filed on March 27, 2020).
+Added: 10.38 Form of Performance Share Award Agreement (Adjusted EBITDA) (CEO) under the Equifax Inc.
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in or after February 2022) (incorporated by reference to Exhibit 10.1 to Equifax's Form 10-Q filed April 21, 2022).
+Added: 10.39 Form of Performance Share Award Agreement (Adjusted EBITDA) (SLT) under the Equifax Inc.
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for awards granted in February 2022) (incorporated by reference to Exhibit 10.2 to Equifax's Form 10-Q filed April 21, 2022).
+Added: 10.40 Performance Share Award Agreement (TSR) between Equifax Inc.
+Added: and Mark Begor under the Equifax Inc.
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for award granted on July 29, 2022) (incorporated by reference to Exhibit 10.1 to Equifax's Form 10-Q filed October 20, 2022).
+Added: 10.41 Premium-Priced Stock Option Award Agreement between Equifax Inc.
+Added: and Mark Begor under the Equifax Inc.
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for award granted on July 29, 2022) (incorporated by reference to Exhibit 10.2 to Equifax's Form 10-Q filed October 20, 2022).
+Added: 10.42 Restricted Stock Unit Award Agreement between Equifax Inc.
+Added: and Mark Begor under the Equifax Inc.
+Added: Amended and Restated 2008 Omnibus Incentive Plan (for award granted on July 29, 2022) (incorporated by reference to Exhibit 10.3 to Equifax's Form 10-Q filed October 20, 2022).
Material Contracts
65 unchanged sentences
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.