Equifax is a global data, analytics and technology company that helps businesses, governments and consumers make decisions by combining vast databases of consumer and business information—drawn from credit, financial, employment, education and other sources—with advanced analytics and artificial intelligence. The company operates through three main segments: Workforce Solutions, which provides employment and income verification services primarily in the United States; U.S. Information Solutions, which delivers credit information, fraud detection and identity management; and International, which offers similar services across Latin America, Europe, Asia Pacific and Canada. Equifax monetizes these offerings through per-transaction fees for verification services, licensing for data and analytics, and subscription or usage-based fees for digital platforms and consumer products, serving verticals including financial services, mortgage, employers, government, automotive and insurance.