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Submission Tags: phishing
Submission: On May 12 via api from US — Scanned from DE
Effective URL: https://www.equifax.com/privacy/privacy-statement/?emlid=681858&Et_rid=71378656
Submission Tags: phishing
Submission: On May 12 via api from US — Scanned from DE
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EQUIFAX PRIVACY STATEMENT
Last Updated: August 2021
This privacy statement describes how Equifax Inc. ("Equifax") and its United
States affiliates (collectively, "Equifax", "we", "us", "our") collect, use, and
share personal data about individuals in the United States. Individuals outside
the United States should refer to the privacy statements for their country on
our country-specific websites.
Employment Data
Please note we restrict the use of personal data collected through our
employment-related products, such as I-9, W-2 form management and employment
verification. Please read the Equifax Workforce Solutions section for more
information.
Consumer Reporting Activity
Certain Equifax affiliates are consumer reporting agencies, as defined under the
federal Fair Credit Reporting Act ("FCRA") and certain similar state laws and
regulations. Each of these affiliates comply with the FCRA requirements
regarding the collection, use, and sharing of personal data used in consumer
reports.
California Residents
Please note this privacy statement also contains a California Residents Privacy
Statement and Notice at Collection section devoted to the rights of California
residents under the California Consumer Privacy Act of 2018 ("CCPA"): California
Residents Privacy Statement and Notice at Collection.
BACK TO TOP
PERSONAL DATA COLLECTED
Equifax collects the following categories of personal data:
Name and contact information. Your first and last name, email address, postal
address, phone number, and other similar contact information.
Identifiers. Government-issued identifiers, such as a social security number or
driver's license number, and other state-issued identification numbers, as well
as other unique identifiers such as those associated with your device.
Demographic information. Information about you such as your age, gender,
country, and preferred language.
Payment information. Information required to process payments directly to
Equifax, such as your payment card information including its account number and
associated security code.
Financial information. Information about your financial accounts, such as
outstanding balances, bank holdings, loan history, bill payment history, and
insurance information. In some cases this includes corresponding account
numbers. This information is generally collected in our applicable affiliate's
capacity as a credit reporting agency under the FCRA, and, in those instances,
our collection, use, and sharing of this information is regulated by the FCRA.
We are also provided with this information when acting as a service provider to
financial institutions, in which cases our use of the data is regulated by the
Gramm-Leach-Bliley Act ("GLBA").
Commercial information. Information regarding products or services you have
purchased or considered purchasing, or other purchasing or spending histories or
tendencies.
Internet or other similar network activity. Information regarding your browsing
history, search history, and information about how you interact with our
websites, applications, advertisements, or emails.
Device information. Information about the devices you use to access our
websites, applications, or advertisements, such as browser, operating system
type, device ID, and IP address. Your IP address may be used to identify the
general geographic location of your device.
Professional or employment-related information. Information regarding your
employment status, history, and compensation. This is typically provided by your
employer or its payroll provider as a result of Equifax providing a Workforce
Solutions service to your employer, or otherwise collected through an Equifax
affiliate's capacity as a credit reporting agency under the FCRA. Please read
the Equifax Workforce Solutions section for more information.
Support information. Information you provide when you contact Equifax for
support, such as the content of your communications with Equifax, and the
products or services related to your inquiry. When you contact us, such as for
customer support, phone conversations or chat sessions with our representatives
may be monitored and recorded.
Education information. Information regarding your education history, including
degrees earned and student loan financial information.
Inferences drawn from personal data. Profiles or scores developed using your
personal data which reflect your preferences, characteristics, or consumer
spending profile.
Public records information. Information about you lawfully made available by
federal, state, or local governments. This includes information about legal
proceedings in court records and business ownership and affiliation information
included in secretaries of state filings.
Photos. For authentication purposes, in some circumstances we may request copies
of your photo identification. Equifax also offers a product that allows you to
verify your identity by submitting photos of yourself and your identification.
Information collected and generated through this product is stored in accordance
with our Notice of Collection, Storage, Use, and Destruction of Biometric
Information.
BACK TO TOP
SOURCES OF PERSONAL DATA
We collect personal data from the following sources:
Directly from you. We collect personal data through our interactions with you,
such as when you contact customer support or interact with our social media
accounts. We also collect personal data from you through our products, such as
when you register to create an account. Some of this information is collected
about your interactions, use, and experience with our products and
communications.
Devices and browsers. We collect personal data through browsers and devices that
interact with our websites, online services, and mobile applications.
Employers. Companies provide us with personal data about their employees,
including prospective and former employees. We usually receive this information
as part of providing services to our Workforce Solutions customers. Employment
and compensation information is sometimes provided by your employer's payroll
provider on your employer's behalf. Please read the Equifax Workforce Solutions
section for more information. We also receive this information when employers
provide or purchase our products as a benefit to their employees.
Financial institutions. We collect personal data from companies that offer
financial products or services to consumers, like loans, financial or investment
advice, or insurance. This includes banks, mortgage lenders, loan brokers, some
financial or investment advisors, insurance companies, and debt collectors.
Consumer credit customers. We collect personal data from businesses you permit
to access your consumer credit report information in connection with a
transaction between you and the business. For example, this includes retail
businesses that offer branded credit cards, car dealerships that arrange or
facilitate financing for your car purchase or lease, property managers that
evaluate your lease application, utility and telecommunications providers, and
third-party businesses that offer you access to the information in your Equifax
consumer credit report as part of a product or service.
Third-party data providers. We purchase personal data from third-party companies
that collect and aggregate personal data. Data resellers collect personal data
from a variety of sources, including directly from consumers, through devices
and browsers, public records, news sources, and from other businesses and data
brokers.
Business customers. Our business customers provide us with personal data when we
provide them with our products and services. For example, a business customer
may provide us with its customer list so that Equifax can help manage its
accounts through our identity resolution services, or provide information to
supplement the customer list for marketing purposes. In most instances, Equifax
is limited in using the personal data provided by the business customer to
provide the product or service requested by the business customer.
Government agencies and contractors. Federal, state, and local government
agencies and contractors provide us with personal data. We receive personal data
from government agencies in our role as a service provider for government
agencies, when providing compliance solutions for our Workforce Solutions
customers, in our affiliates' role as a consumer reporting agency, and when we
receive information used for compliance purposes such as government-maintained
sanctions lists.
Public records. We collect personal data which is sourced from public records
made available by federal, state, and local governments. This includes
information on real property ownership and sales history, tax assessments,
secretary of state filings, court findings, and federally provided sanctions
lists.
BACK TO TOP
HOW WE USE PERSONAL DATA
BUSINESS PURPOSES
We may use or disclose the personal data we collect for one or more of the
following business purposes:
* Provide, improve, and develop our products and services, which includes
updating, securing, and troubleshooting, as well as providing support.
* Personalize our products and services and make recommendations.
* Advertise and market products and services to you from both affiliated and
non-affiliated entities, which includes sending promotional communications,
target advertising, and presenting you relevant offers.
* To fulfill or meet the reason for which the information is provided. For
example, if you provide us with personal data in order to dispute information
in your consumer report, we may use the information to update your consumer
report.
* To provide you with email or SMS alerts and other notices concerning our
products or services, or events or news, that may be of interest to you.
* To carry out our obligations and enforce our rights arising from any
contracts entered into between you and us, including for billing and
collections.
* To improve our websites and present their contents to you.
* For testing, research, analysis and product development.
* To detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity, and prosecuting those responsible for that
activity.
* For authentication purposes when you access our products or services and to
help you recover forgotten passwords.
SHARING PERSONAL DATA
We sometimes share personal data with third parties to carry out the above
business purposes, including our affiliates and service providers. We may also
share your personal data with third parties to whom you consent to us disclosing
your personal data. Prior to sharing personal data with these third parties, we
review the services performed by each third party and require that the third
party both keep personal data confidential and secure and not use it for any
purpose except performing the services.
We do not share personal data collected through mobile phones for authentication
purposes with third-party affiliates for marketing purposes.
We also share personal data for the following reasons:
Disclosure for legal reasons or as necessary to protect Equifax, its affiliates
and others. We may release personal data to third parties: (1) to comply with
valid legal requirements such as a law, regulation, search warrant, subpoena,
court order, or other legal process; (2) in special cases, such as a physical
threat to you or others, a threat to homeland security, a threat to our system
or network; or (3) cases in which we believe it is reasonably necessary to
investigate or prevent harm, fraud, abuse, or illegal conduct.
Changes in our corporate structure. If all or part of our company is sold or
merged, if we make a sale or transfer of assets, or in the unlikely event of a
bankruptcy, we may transfer your information, including your personal data, to
one or more third parties as part of that transaction.
COMMERCIAL PURPOSES
We use and sell personal data to nonaffiliated third parties for the following
commercial purposes:
Consumer credit reporting. Some of our affiliates collect, use, and sell
personal data when acting as a consumer reporting agency, as this activity is
regulated by the FCRA. Acting as a consumer reporting agency, these affiliates
collect personal data about your creditworthiness, credit standing, credit
capacity and mode of living from a variety of data furnishers, share this
information with credit providers and other entities when they make decisions to
extend credit or enter into transactions with you, assist lenders and other
creditors with their portfolio management, and use and/or disclose personal data
for other permissible purposes under the FCRA, including, but not limited to,
insurance underwriting, government benefits, and employment verification, and
other uses at the consent of the consumer.
Commercial credit reporting. We collect, use, and sell personal data as part of
our commercial credit reporting services. These services permit our customers to
make informed decisions regarding providing credit to or investing in
businesses. Commercial credit reports may contain the names and other personal
data of owners, principals, guarantors, or agents of the businesses.
Workforce Solutions. We collect, use, and sell personal data as part of our
commercial credit reporting services. These services permit our customers to
make informed decisions regarding providing credit to or investing in
businesses. Commercial credit reports may contain the names and other personal
data of owners, principals, guarantors, or agents of the businesses. Equifax
Workforce Solutions section for more information.;
Marketing services. We collect, use, and sell personal data as part of our
consumer and commercial marketing services. This includes providing customers
with personal data of potential customers to inform their marketing efforts, or
permitting our customers to enhance their existing marketing lists for accuracy
and effectiveness.
Fraud detection and identity management. We collect, use, and sell personal data
as a part of our fraud detection, identity verification, and identity resolution
services. These services help us and our customers prevent security incidents,
protect against malicious, deceptive, fraudulent, or illegal activity, and
prosecuting those responsible for that activity, as well as more accurately
manage the account information of their customers.
Regulatory compliance. We collect, use, and sell personal data as part of our
regulatory compliance products, which help customers comply with federal, state
and local laws and regulations.
Debt recovery. We collect, use, and sell personal data as part of our debt
recovery products. These products help our customers locate consumers for the
purposes of collecting debts owed by the consumer.
BACK TO TOP
EQUIFAX WORKFORCE SOLUTIONS
Through its Equifax Workforce Solutions ("EWS") products, an affiliate of
Equifax collects employee personal data from employers and their employees.
EWS's employment verification products use employer-provided information to
offer income and employment verification services, which automates the process
of employers responding to employment and income verification requests from
third parties such as lenders and banks. The collection, use, and sharing of
personal data for this purpose is regulated by the FCRA.
EWS also offers products which allow employers to outsource and automate the
performance of certain payroll-related and human resource management business
processes, including unemployment claims management, tax credits and incentives,
I-9 and W-2 form management services and services which assist with Affordable
Care Act compliance. Employers and employees provide employee personal data to
Equifax through these EWS products.
As part of providing EWS services, Equifax and its affiliates agree to only use
personal data collected through EWS products for the purpose of providing the
EWS services, and not for other purposes such as marketing. This applies to
employee personal data provided to Equifax by an employer and personal data
provided to Equifax by an employee through interacting with an EWS product.
In some instances, when permitted by its clients, EWS uses deidentified employee
data to perform analytics, modeling and/or demographic studies. This
deidentified employee data does not include any information that individually,
or collectively, could be used to identify either the employer or individual
employees.
BACK TO TOP
NOTICE OF COLLECTION, STORAGE, USE AND DESTRUCTION OF BIOMETRIC INFORMATION
Equifax Information Services LLC and Acuant, Inc. offer a product through which
Equifax, other businesses, and government agencies allow you to verify your
identity by submitting photos of yourself and your photo identification. If you
utilize this product, Equifax Information Services LLC, Acuant, Inc and the
other business or government agency with which you initiate the transaction (the
"Parties") may collect, capture, transmit, store, maintain, use, and otherwise
process information about face geometry and related biometric information
derived from the photos and other information (including information from your
driver's license/passport) that you submit to us for the purpose of providing
identity-verification services.
The Parties may use this information from the time of your submission of the
information to us, and for the duration of the period that we need to retain the
information for identity-verification purposes. We will promptly destroy all
biometric information after the completion of our verification process, in no
case longer than 13 months after your submission of the information to us.
When you consent to the collection and use of this information, you acknowledge
and agree that the Parties may share biometric information with other service
providers for use in the verification services. Otherwise, we will not disclose
face geometry or other biometric information to third parties without first
obtaining additional consent.
Your consent to this Notice of Collection, Storage, use and Destruction of
Biometric Information prior to submitting the photos signifies your written
release to us to collect, store, use, and eventually destroy the face geometry
and other biometric information that we may derive from the information that you
submit to us.;
BACK TO TOP
COOKIES, WEB BEACONS AND OTHER TECHNOLOGY
COOKIES
We use session and persistent cookie technology. Cookies are text files saved by
a device's browser that stores information. That information is available to us
later when the browser returns to one of our websites.
WEB BEACONS
Web beacons are small pieces of code placed on webpages, videos, and in emails.
They tell us when a person views a web page, opens a video or reads their email.
OTHER LOCAL STORAGE
We use other kinds of local device storage in connection with the use of our
services. These technologies are similar to cookies in that they are stored on
devices. Local storage allows us to monitor people's activities on our services
and store their preferences.
MEASUREMENT CODE
We use code on our websites to estimate financial and other attributes of our
visitors. This is done by correlating the IP address of the visitor with a
geographic location. We then correlate that with general financial and economic
information about people in that location.
THIRD-PARTY COOKIES AND TRACKING TECHNOLOGY
Our partners use cookies, web beacons, and other technologies for similar
purposes. We have agreements with companies, sometimes called "Ad Networks,"
that serve advertising on behalf of other companies. These Ad Networks may place
or recognize a cookie, called a "third party cookie," on a visitor's computer
when they visit a website not affiliated with us that has a contract with them.
Ad Networks use cookies to understand web usage patterns of people who see
advertisements, to control the sequence of advertisements they see, to provide
them with the most relevant advertising, and to make sure they don't see the
same ad too many times. Ad Networks may connect information about pages visited
on our site with information about pages visited on other sites. They show
advertising based on this combined information, including advertising for our
products.
While we do not control Ad Networks or what they do with the information they
collect, we only work with companies that have agreed to participate in the
Network Advertising Initiative (NAI), the Digital Advertising Alliance (DAA),
and/or the Interactive Advertising Bureau (IAB), and abide by the associated
principles.
ANALYTICS SERVICES
Our websites, products, and online advertisements often contain web beacons or
similar technologies from third-party analytics providers, which help us compile
aggregated statistics about the effectiveness of our promotional campaigns or
other operations. These analytics providers are able to set or read their own
cookies on your device through which they can collect information about your
online activities across applications, websites, and other products. To learn
more about controlling information provided to these analytics provides, click
on the following links: Adobe opt-out site, Google Analytics Opt-out Browser
Add-on.
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CHOICES AND CONTROL OVER YOUR INFORMATION
In general, choices concerning our collection, use and disclosure of information
are limited to those provided by law. For details of choices under the Federal
Fair Credit Reporting Act, please see our FCRA Summary of Rights web page.
Beyond those choices, individuals may elect to not provide information directly
to us. However, in many cases this will limit our ability to provide services.
OPTING OUT OF PROMOTIONAL OR MARKETING EMAIL
If you do not wish to receive promotional or marketing offers by email, you may
opt out of receiving further promotional offers and emails by clicking on the
"unsubscribe" button in the email. In addition, some Equifax products allow you
to manage your communications preferences by logging into your account and
managing your account profile. For example, you can manage this preference by
logging into my.equifax.com and clicking on "My Account." Note, however, if you
are an Equifax customer, you will continue to receive emails from us related to
the operation and administration of your account.
OPT OUT OF THE SHARING OF YOUR PERSONAL DATA
You can limit the sharing of your personal data among our affiliates to market
to you, the sharing of your personal data with non-affiliates to market to you
(other than sharing as part of a joint marketing agreement), and the sharing of
personal data regarding your creditworthiness among Equifax affiliates for
everyday business purposes. To limit the sharing of your personal data, take any
of the below actions:
* Visit us online: https://www.equifax.com/personal/credit-report-services/.
* Call 1-866-807-7461 from 8:00 a.m. - 3 a.m., Eastern Time seven days a
week—our menu will prompt you through your choice(s).
* Log in to your my.equifax.com account and manage your sharing preferences in
"My Account."
ONLINE BEHAVIORAL ADVERTISING
You can opt out of receiving ads based on your online behavior either by
visiting the DAA opt-out page at http://www.aboutads.info/choices/, the Network
Advertising Initiative opt-out page http://optout.networkadvertising.org/?c=1,
or by clicking on the Ad-Choices icon in or near the ad. If you elect to opt out
of online behavioral advertising (OBA), you will still see ads, but they may not
be as relevant to you. Please keep in mind that opting out is cookie-based and
will only affect the specific computer and browser on which the opt out cookie
is applied. If you delete your browser cookies or if you use a different
computer or different browser and want to continue to be opted out of
interest-based advertising, you will need to opt out again. For more
information, please read our Online Behavioral Advertising Notice.
You can learn more about online advertising, including OBA or interest-based
advertising, on the DAA website at www.aboutads.info/consumers and on the
Network Advertising Initiative web site at www.networkadvertising.org/.
DO NOT TRACK
Some browsers transmit "do not track" signals to the websites and other online
services with which a user communicates. We currently do not take action in
response to these signals
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SECURITY
We are committed to protecting the security of your personal data and use a
variety of security technologies and procedures to help protect your personal
data from unauthorized access, use, or disclosure. However, no data transmission
or storage can be guaranteed to be 100% secure. As a result, while we strive to
protect the personal data we maintain, we cannot ensure or warrant the security
of any information that you transmit to us. Equifax complies with applicable
data protection laws, including security breach notification laws.
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CALIFORNIA RESIDENTS PRIVACY STATEMENT AND NOTICE AT COLLECTION
The below section, as required by the California Consumer Privacy Act of 2018
("CCPA"), supplements the information contained in the Equifax Privacy Statement
and applies solely to visitors, users, and others who reside in the State of
California. Any terms defined in the CCPA have the same meaning when used in the
below section. To exercise your right to opt-out of the sale of your personal
information, you may click here: Do Not Sell My Personal Information or call our
Customer Care team at the number listed below.
CATEGORIES OF PERSONAL INFORMATION COLLECTED
We collect information that identifies, relates to, describes, references, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with a particular consumer or device ("personal information"). In
particular, we have collected the following categories of California consumer
personal information from the following sources within the last twelve (12)
months:
Category Examples Sources Collected
Identifiers
Including, but not limited to:
* Name, alias, postal address, email address
* Unique personal identifier, online identifier, Internet Protocol address
* Account name
* Social Security number, driver's license number, passport number
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Personal information categories listed in the California Customer Records
statute (Cal. Civ. Code § 1798.80(e))
Any information that identifies, relates to, describes, or is capable of being
associated with, a particular individual, including, but not limited to, an
individual's name, signature, Social Security number, physical characteristics
or description, address, telephone number, passport number, driver's license or
state identification card number, insurance policy number, education,
employment, employment history, bank account number, credit card number, debit
card number, or any other financial information, medical information, or health
insurance information.
Some personal information included in this category may overlap with other
categories.
Some personal information included in this category may overlap with other
categories.
Including, but not limited to:
* Name, address, telephone number
* Social Security number, passport number, driver's license or state
identification card number
* Education
* Employment and employment history
* Bank account number, credit card number, debit card number, or any other
financial information
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Protected classification characteristics under California or federal law
An individual's age (40 years or older), race, color, ancestry, national origin,
citizenship, religion or creed, marital status, medical condition, physical or
mental disability, sex (including gender, gender identity, gender expression,
pregnancy or childbirth and related medical conditions), sexual orientation,
veteran or military status, genetic information (including familial genetic
information).
Including, but not limited to:
* Age, race, citizenship, marital status, gender, veteran or military status,
and ethnicity
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Commercial Information
Including, but not limited to:
* Records of personal property
* Products or services purchased, obtained, or considered, or other purchasing
or consuming histories or tendencies
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Biometric Information
Including, but not limited to:
* Copies of photo identification for authentication purposes
* Call recordings from customer service calls for quality assurance purposes
We also collect biometric information through an identity-verification product,
as explained in our Notice of Collection, Storage, Use, and Destruction of
Biometric Information.
* Directly from you
YES
Internet or other similar activity
Including, but not limited to:
* Browsing history
* Search history
* Information on a consumer's interaction with a website, application, or
advertisement.
* Directly from you
* Devices and browsers
* Third-party data providers
YES
Geolocation data
Including, but not limited to:
* Physical location or movements
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Sensory Data
Including, but not limited to:
* Audio and electronic recording from customer service calls
* Directly from you
YES
Professional or employment-related data
Including, but not limited to:
* Current or past job history, including employment dates, employer name, and
employer information
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Non-public education information (per the Family Educational Rights and Privacy
Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
Including, but not limited to:
* Education records including dates of attendance
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
YES
Inferences drawn from other personal information
Including, but not limited to:
* Personal preferences
* Characteristics
* Behavior
* Directly from you
* Devices and browsers
* Employers
* Financial institutions
* Consumer credit customers
* Third-party data providers
* Business customers
* Government agencies and contractors
* Public records
YES
Purpose and Use of Personal Information Collected
We may use or disclose the personal information we collect for one or more of
the following business purposes:
* Provide, improve, and develop our products and services, which includes
updating, securing, and troubleshooting, as well as providing support.
* Personalize our products and services and make recommendations.
* Advertise and market products and services to you from both affiliated and
non-affiliated entities, which includes sending promotional communications,
target advertising, and presenting you relevant offers.
* To fulfill or meet the reason for which the information is provided. For
example, if you provide us with personal information in order to dispute
information in your consumer report, we may use the information to update
your consumer report.
* To provide you with email or SMS alerts and other notices concerning our
products or services, or events or news, that may be of interest to you.
* To carry out our obligations and enforce our rights arising from any
contracts entered into between you and us, including for billing and
collections.
* To improve our websites and present their contents to you.
* For testing, research, analysis and product development.
* To detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity, and prosecuting those responsible for that
activity.
* For authentication purposes when you access our products or services and to
help you recover forgotten passwords.
* Disclosure for legal reasons or as necessary to protect Equifax, its
affiliates and others.
* Changes in our corporate structure.
Sharing your Personal Information
In the preceding 12 months, we have disclosed the following categories of
personal information to third parties for business purposes:
Category May be disclosed for a business purpose to the following categories of
third parties:
Identifiers
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Personal information categories listed in the California Customer Records
statute (Cal. Civ. Code § 1798.80(e))
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Protected classification characteristics under California or federal law
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Commercial Information
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Biometric Information
* Identity verification companies
Internet or other similar activity
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Geolocation data
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Sensory Data
* Business process outsourcing providers
* Equifax group companies in the United States
Professional or employment-related data
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Non-public education information (per the Family Educational Rights and Privacy
Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Inferences drawn from other personal information
* Advertising networks
* Business process outsourcing providers
* Creditors/collection agencies
* Consumer data resellers
* Data analytics providers
* Data brokers
* Data processors and storage providers
* Equifax group companies in the United States
* Financial Institutions
* Government agencies and contractors
* Identity verification companies
* Insurance carriers/agencies/partners
* Internet service providers
* Marketing companies
* Operating systems and platforms
* Parties to litigation
* Retail merchants
* Social networks
* Utility providers
Selling your Personal Information
In the preceding 12 months, we may have sold the below categories of personal
information for commercial purposes:
Category May be sold to the following categories of third parties:
Identifiers
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Personal information categories listed in the California Customer Records
statute (Cal. Civ. Code § 1798.80(e))
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Protected classification characteristics under California or federal law
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Commercial Information
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Biometric Information
* We do not sell Biometric Information
Internet or other similar activity
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Geolocation data
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Sensory Data
* We do not sell Sensory Data
Professional or employment-related data
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Non-public education information (per the Family Educational Rights and Privacy
Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
Inferences drawn from other personal information
* Advertising networks
* Consumer credit customers
* Consumer data resellers
* Creditors/collection agencies
* Data analytics providers
* Data brokers
* Employers
* Financial Institutions
* Fraud detection providers
* Government agencies and contractors.
* Internet service providers
* Operating systems and platforms
* Social networks
We do not sell personal information of consumers under the age of 16 years old.
RIGHTS OF CALIFORNIA RESIDENTS
California residents have the right to submit the following privacy rights
requests to Equifax.
Access
You have a right to make a verifiable request to Equifax to provide you with the
following information, covering the 12 months preceding the date your request is
submitted.
* The categories and specific pieces of personal information collected about
you.
* The categories of sources of the personal information collected about you.
* The business or commercial purposes for collecting or selling your personal
information.
* The categories of third parties to whom we sold your personal information.
* The categories of third parties to whom we disclosed your personal
information for a business purpose.
Deletion
You have the right to make a verifiable request to Equifax to delete the
personal information collected from you, subject to certain exceptions. Once we
receive and confirm your verifiable request, we will delete (and direct our
service providers to delete) your personal information from our records, unless
an exception applies.
We may deny your deletion request if retaining the information is necessary for
us or our service providers to:
* Complete the transaction for which we collected the personal information,
provide a good or service that you requested, take actions reasonably
anticipated within the context of our ongoing business relationship with you,
or otherwise perform our contract with you.
* Detect security incidents, protect against malicious, deceptive, fraudulent,
or illegal activity, or prosecute those responsible for such activities.
* Debug products to identify and repair errors that impair existing intended
functionality.
* Exercise free speech, ensure the right of another consumer to exercise their
free speech rights, or exercise another right provided for by law.
* Comply with the California Electronic Communications Privacy Act (Cal. Penal
Code § 1546 seq.).
* Engage in public or peer-reviewed scientific, historical, or statistical
research in the public interest that adheres to all other applicable ethics
and privacy laws, when the information's deletion may likely render
impossible or seriously impair the research's achievement, if you previously
provided informed consent.
* Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us.
* Comply with a legal obligation.
* Make other internal and lawful uses of that information that are compatible
with the context in which you provided it.
Opt-Out
You have the right to request that Equifax no longer sell your personal
information.
SUBMIT A VERIFIABLE OR OPT-OUT OF SALE REQUEST
To make a verifiable consumer request or opt-out of sale request, visit
myPrivacy or call our Customer Care team at 1-866-295-6801 (our regular business
hours of 9 A.M. - 9 P.M. EST Monday to Friday, and 9 A.M. to 6 P.M. EST Saturday
and Sunday). To exercise your right to opt-out of the sale of your personal
information, you may click here: Do Not Sell My Personal Information or call our
Customer Care team at the number listed above.
To ensure the security of personal information and prevent fraudulent requests,
we may need to collect personal information and other information such as your
name, email, or transaction history to verify your identity.
Authorized Agent
If a consumer is using an authorized agent to make privacy rights requests on
the consumer's behalf, the following is required.
Using an authorized agent without power of attorney to submit a request to know
or delete
* Completed Authorized Agent Form.
* Signed permission from the consumer authorizing the agent to submit the
consumer privacy request on their behalf.
* The consumer must verify their own identity directly with the business by
submitting the following documentation:
* A copy of a social security card issued by the Social Security
Administration.
* A certified or official copy of a birth certificate issued by the entity
authorized to issue the birth certificate.
Using an authorized agent with power of attorney to submit a request to know or
delete
If you have provided the authorized agent with power of attorney pursuant to
California Probate Code sections 4000 to 4465, the following is required:
* Completed Authorized Agent Form.
* The valid power of attorney executed lawfully under California Probate Code
sections 4000 to 4465.
Using an authorized agent to submit an opt-out request
* Completed Authorized Agent Form.
* Written permission, signed by the consumer, authorizing the agent to submit
the opt-out request.
Please submit the required information to:
Equifax Information Services LLC
P.O. Box 740041
Atlanta, GA 30348
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RIGHT TO BE FREE FROM DISCRIMINATION
Equifax is prohibited from discriminating against in any way in response to your
exercise of any of these rights. This means we will not:
* Deny you goods or services.
* Charge you different prices or rates for goods or services, including through
granting discounts or other benefits, or imposing penalties.
* Provide you a different level or quality of goods or services.
* Suggest that you may receive a different price or rate for goods or services
or a different level or quality of goods or services.
* Offer a product enhancement or financial incentive that is contingent on you
sharing personal information, unless that incentive is reasonably related to
the value provided to us by that collection.
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INDIVIDUAL RIGHTS REQUESTS METRICS REPORTING
The following metrics are representative of individual rights requests submitted
by California consumers for the period of January 1, 2020 to December 31, 2020.
Request Type Total Received Total Complied With Total Denied Average Days to
Complete
Right to Know
623
100%
0%
13.19
Right to Opt-out
1,205
100%
0%
11.50
Right to Delete
537
100%
0%
11.17
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CHANGES TO THIS PRIVACY STATEMENT
We may change this online privacy statement in the future. If we make changes to
this privacy statement we will post the revised privacy statement and its
effective date on this website.
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CONTACT US
If you have questions or comments about this privacy statement, please visit our
Privacy Contact Form or write to the Chief Privacy Officer, Equifax Inc., 1550
Peachtree Street, NW, Atlanta, GA 30309. Please reference "Equifax Privacy
Statement," when contacting us about this privacy statement.
BACK TO TOP
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