What changed in this filing

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Item 9A. Controls and Procedures

2026-02-19 compared with 2025-02-20 · 39 added, 42 removed, 299 unchanged (21% of the section changed)

22 unchanged sentences

Name and Title Date of Adoption of Rule 10b5-1 Trading Plan Scheduled Expiration Date of Rule 10b5-1 Trading Plan(1) Aggregate Number of Securities to Be Purchased or Sold

Sunil Bindal ,

Executive Vice President, Chief Corporate Development Officer

Begor , Chief Executive Officer

Sale of up to 151,165 shares of common stock in multiple transactions

Executive Vice President, Chief Strategy and Marketing Officer

Borton , Executive Vice President, President, Workforce Solutions

Sale of up to 6,901 shares of common stock in multiple transactions

Chief Executive Officer

Cecilia Mao ,

Executive Vice President, Chief Product Officer

Purchase of up to 2,400 shares of common stock

Sale of up to 876 shares of common stock in multiple transactions

, Executive Vice President, Chief Financial Officer and Chief Operations Officer

Gamble, Jr , Executive Vice President, Chief Financial Officer and Chief Operations Officer

Sale of up to 23,628 shares of common stock in multiple transactions

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Begor (67) 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.

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

Prior to Warburg Pincus, Mr.

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Begor served in a variety of roles leading multibillion dollar units of the company, including President and CEO of GE Energy Management from 2014 to 2016, President and CEO of GE Capital Real Estate from 2011 to 2014, and President and CEO of GE Capital Retail Finance (Synchrony Financial) from 2002 to 2011.

Begor served on the Fair Isaac Corporation (FICO) board of directors from 2016 to 2018.

He currently serves on the board of directors of NCR Atleos Corp.

Sunil Bindal (50) has been our Executive Vice President, Chief Corporate Development Officer since October 2020.

Begor served on the board of directors of Fair Isaac Corporation (FICO) from 2016 to 2018 and the board of directors of NCR Atleos Corporation from 2023 to 2025.

He currently serves on the board of directors of Raymond James Financial, Inc.

Sunil Bindal (51) has been our Executive Vice President, Chief Corporate Development and Strategy Officer since March 2025.

Prior thereto, he was Executive Vice President, Chief Corporate Development Officer since October 2020.

Prior to joining Equifax, Mr.

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Prior thereto, he was President of USAA Bank and Vice Chairman of USAA Federal Savings Bank Board of Directors, from May 2017 to March 2021.

Prior thereto, he held a variety of leadership roles with Fifth Third Bank, JPMorgan Chase and Wachovia Corporation, since 2001.

Prior thereto, he held a variety of leadership roles with Fifth Third Bank, JPMorgan Chase, McKinsey & Co.

and Wachovia Corporation, since 2001.

He is also an active duty U.S.

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

Jamil Farshchi (47) has been our Executive Vice President, Chief Information Security Officer and Chief Technology Officer since December 2024.

Jamil Farshchi (48) has been our Executive Vice President, Chief Technology Officer since May 2025.

Prior thereto, he was our Executive Vice President, Chief Information Security Officer and Chief Technology Officer since December 2024.

Prior thereto, he was our Executive Vice President, Chief Information Security Officer since February 2018.

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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.

Todd Horvath (51) has been our Executive Vice President, President, U.S.

Information Solutions since March 2023.

Prior to joining Equifax, Mr.

Horvath served in roles of increasing responsibility at Fiserv from 2017-2023, most recently serving as Co-Head of the Fiserv Banking Organization.

Prior to that, Mr.

Horvath served in various international leadership roles at Automatic Data Processing from 2001-2017.

Prior thereto, he was General Director, Venezuela Operations at Sharp Image Gaming in 2001.

Houston (54) has been our Executive Vice President, Chief Strategy and Marketing Officer since March 2021.

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.

Houston (55) has been our Executive Vice President, Chief Legal Officer since April 2025.

Prior thereto, she was Executive Vice President, Chief Strategy and Marketing Officer since March 2021.

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

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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 (64) 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.

Kelley currently serves on the board of directors of Beazer Homes USA, Inc.

Mao (51) has been our Executive Vice President, Chief Product Officer since February 2024.

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Mao currently serves on the board of directors of Cboe Global Markets, Inc.

Nelson (61) 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.

Nelson currently serves on the board of directors of Jack Henry & Associates, Inc.

Patricio Remon (54) has been our Executive Vice President, President, International since March 2025.

Remon joined Equifax in 2006 and most recently served as President of Equifax Europe since 2015.

During his nearly two decades with the company he has overseen Equifax operations in the U.K., Ireland, Iberia, Peru and Ecuador.

Prior to joining Equifax, he was the General Manager of Brio Software’s LATAM business unit and held sales management positions within MicroStrategy Argentina.

Remon currently serves on the board of directors of ASNEF-Equifax and the ACCIS European credit information association

Harald Schneider (52) has been our Executive Vice President, Chief Data & Analytics Officer since February 2024.

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and Pardus Capital Management.

Walker (48) has been our Executive Vice President, Chief Marketing and Communications Officer since March 2025.

Prior thereto, she was our Chief Communications Officer since August 2021.

Prior thereto, she was the Communications Leader of our USIS business unit since January 2020.

Prior thereto, she was the Public Relations Leader of our USIS business unit since July 2019.

Prior to joining Equifax, Ms.

Walker served as Partner and Senior Vice President at McGrath/Power Public Relations for more than a decade and held various positions at Borland Software Corporation (now part of OpenText) and Internet Security Systems (now IBM Internet Security Systems).

EXECUTIVE COMPENSATION

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CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE

The information required by this Item 13 is incorporated herein by reference from the information that will be contained in our 2025 Proxy Statement under the sections entitled “Board Leadership & Corporate Governance—Director

Independence, ” “Related Person Transaction Policy” and “Certain Relationships and Related Person Transactions of Directors, Executive Officers, and 5 Percent Shareholders.”

The information required by this Item 13 is incorporated herein by reference from the information that will be contained in our 2026 Proxy Statement under the sections entitled “Board Leadership & Corporate Governance—Director Independence, ” “Related Person Transaction Policy” and “Certain Relationships and Related Person Transactions of Directors, Executive Officers, and 5 Percent Shareholders.”

PRINCIPAL ACCOUNTANT FEES AND SERVICES

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(incorporated by reference to Exhibit 3.1 to Equifax’s Form 8-K filed May 14, 2009).

3.2 Articles of Amendment to the Amended and Restated Articles of Incorporation of Equifax Inc.

(incorporated by reference to Exhibit 3.1 to Equifax’s Form 10-Q filed July 22, 2025).

3.3 Amended and Restated Bylaws of Equifax Inc.

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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).

4.5 Sixth Supplemental Indenture, dated as of November 19, 2019, between Equifax Inc.

and the Trustee, including the form of 2024 Note as Exhibit A (incorporated by reference to Exhibit 4.1 to Equifax’s Form 8-K filed November 19, 2019).

4.6 Seventh Supplemental Indenture, dated as of April 27, 2020, between Equifax Inc.

and the Trustee, including the form of 2025 Note as Exhibit A (incorporated by reference to Exhibit 4.1 to Equifax's Form 8-K filed April 27, 2020).

4.5 Eighth Supplemental Indenture, dated as of April 27, 2020, between Equifax Inc.

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and JPMorgan Chase Bank, N.A., as administrative agent (incorporated by reference to Exhibit 10.1 to Equifax's Form 10-Q filed July 22, 2024).

4.13 Third Amendment to Credit Agreement, dated as of May 27, 2025, by and between Equifax Inc.

and JPMorgan Chase Bank, N.A., as administrative agent (incorporated by reference to Exhibit 10.1 to Equifax's Form 10-Q filed July 22, 2025).

4.14 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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Amendment No.

1 to Equifax I nc.

2023 Omnibus Incentive Plan, effective November 20, 2024 .

1 to Equifax Inc.

2023 Omnibus Incentive Plan, effective November 20, 2024 (incorporated by reference to Exhibit 1 0.11 to Equifax's Form 10-K filed on February 20, 2025) .

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

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Other Exhibits and Certifications

Insider Tr ading Policy

Insider Trading Policy

21.1* Subsidiaries of Equifax Inc.

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32.2* Section 1350 Certification of Chief Financial Officer.

Dodd-Frank Compensation Recovery Policy (incorporat ed by reference to Exh i bit 97.1 to Equifax's Form 10-K filed February 22, 2024) .

97.1 Equifax Inc.

Dodd-Frank Compensation Recovery Policy (incorporated by reference to Exhibit 97.1 to Equifax's Form 10-K filed February 22, 2024).

101.INS Inline XBRL Instance Document.

51 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.

What changed 10-K

Item 9A. Controls and Procedures