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Equifax Inc. is a consumer credit reporting agency. Equifax collects and aggregates information on over 800 million individual consumers and more than 88 million businesses worldwide. Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor's (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs over 10,000 employees worldwide. Founded in 1899 and based in Atlanta, Georgia, it is one of the three largest credit agencies along with Experian and TransUnion (known as the "Big Three"). Equifax has US$3.1 billion in annual revenue and 9,000+ employees in 14 countries.In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud-prevention services directly to consumers. Like all credit reporting agencies, the company is required by U.S. law to provide consumers with one free credit report every year.Equifax was the subject of more than 57,000 consumer complaints to the Consumer Financial Protection Bureau from October 2012 to September 17, 2017, with most complaints relating to incomplete, inaccurate, outdated, or misattributed information held by the company.In September 2017, Equifax announced a cyber-security breach, which it claims to have occurred between mid-May and July 2017, where cybercriminals accessed approximately 145.5 million U.S. Equifax consumers' personal data, including their full names, Social Security numbers, birth dates, addresses, and driver license numbers. Equifax also confirmed at least 209,000 consumers' credit card credentials were taken in the attack. On March 1, 2018, Equifax announced that 2.4 million additional U.S. customers were affected by the breach. The company claims to have discovered evidence of the cybercrime event on July 29, 2017. Residents in the United Kingdom and Canada were also impacted. In March 2018, the Security and Exchange Commission accused Jun Ying, Equifax's former CIO, of illicit insider trading by selling company stock before the breach was publicly disclosed. After an investigation by the FBI, Ying plead guilty, was sentenced to four months of prison plus a year of supervised release, and was fined $55,000.00 and ordered to pay restitution of $117,117.61 on June 2019. An Equifax manager, Sudhakar Reddy Bonthu, also plead guilty to insider trading and received a sentence of 8 months of home confinement.[2] In July 2019, the New York Times, New York Post and other media reported Equifax had agreed to pay approximately $650 million to settle with the Federal Trade Commission (FTC) to resolve investigations by several state attorneys general, the Consumer Protection Financial Bureau, the FTC, and a consumer class-action lawsuit related to the data breach.