2020 Annual Meeting of ShareholdersMay 7th, 2020

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This presentation contains certain forward-looking information to help you understand Equifax and its business environment. All statements that address operating performance, events or developments that we expect or anticipate will occur in the future, including statements relating to future operating results, improvements in our IT and data security infrastructure, our strategy, our ability to mitigate or manage disruptions posed by COVID-19, the impact of COVID-19 and changes in worldwide and U.S. economic conditions, and similar statements about our business plans are forward-looking statements.

We believe these forward-looking statements are reasonable as and when made. However, forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from our historical experience and our present expectations or projections. These risks and uncertainties include, but are not limited to, those described in our 2019 Form 10-K, our Form 10-Q for the quarter ended March 31, 2020, and future SEC filings.

As a result of such risks and uncertainties, we urge you not to place undue reliance on any forward-looking statements. Forward-looking statements speak only as of the date when made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

Forward-Looking Statements

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• This presentation contains certain non-GAAP financial measures, including adjusted EPS attributable to Equifax, adjusted EBITDA, adjusted EBITDA margin and adjusted revenue, which reflect adjustments for certain items that affect the comparability of our underlying operational performance.

• These are important financial measures for Equifax but are not financial measures as defined by GAAP. These non-GAAP financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as an alternative measure of net income , EPS or revenue as determined in accordance with GAAP.

• Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures can be found under "Investor Relations/Financial Information/Non-GAAP Financial Measures" on our website at www.equifax.com.

Non-GAAP Disclosure Statement

Mark BegorCEO

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2019 by the Numbers

+5.6%CONSTANT DOLLAR

ADJUSTED REVENUE GROWTH

$3.53BADJUSTED REVENUE

$1.18BADJUSTED EBITDA

$5.62ADJUSTED EPS

(CONTINUING OPS)

$292MTRANSFORMATION

INVESTMENT

33.4%ADJUSTED

EBITDA MARGIN

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ValuesWho we are

The New EFXDefinitionWhat we are A global data, analytics, and technology company

GROWTH CLOUD-NATIVETECHNOLOGY

CULTURE OF CUSTOMERCENTRICITY

MARKET-LEADING D&A

CONSUMER-FRIENDLY CRA

INDUSTRY LEADER IN SECURITY

EQUIFAX TEAM

PurposeWhy we exist Helping people live their financial best

TaglineThe memorable slogan that sums up what we’re all about

Powering the World with Knowledge

PositionWhat we do

At Equifax, we believe knowledge drives progress. We blend unique data, analytics and technology with a passion for serving customers globally, to create insights that power the decisions that move people forward.

VisionWhat we want to achieve

To be the trusted global leader in data, advanced analytics, and technology that creates innovative solutions and insights that help customers drive growth and move people forward.

ImperativesWhat we needto accomplish to meet our vision and live our purpose

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B road B ased Execution in 2019USIS WS INTL GCS

Adj. Revenue: +4% Revenue: +15% C$1 Revenue: +3% Revenue: -3%+ Acquired PayNet (commercial credit

data)+ Executed new partnerships to expand

unique data sets into consumer consented utility, bank transaction & rental data

+ Leveraged co-innovation partnerships with FICO and others to create new products

+ Grew TWN records to over 100M+ Significantly expanded TWN record

contributors+ Building foundation for International

Work Number

+ Over 100 customer instances of Ignite across multiple regions

+ Expanded positive data in AUS+ Launched over 60 new products

+ Launched myEquifax.com consumer portal

+ Returned to growth in 2H19

Security Technology D&A+ Strengthened cloud protection and

detection controls+ Expanded coverage of data protection

and access management controls+ Obtained key security industry re-

certifications+ Announced early adoption of NIST

Privacy Framework

+ Continued our strategic move to the cloud to enhance performance and returns

+ Launched Ignite in the cloud for US, UK, LatAm, and Australia

+ Deployed Data Fabric and migrated significant assets

+ Began customer migrations to Cloud infrastructure

+ Ignite available on AWS and GCP, 35+ Ignite Direct and 100+ Ignite Marketplace Customers

+ Integrated Ignite, IC, AME, and AE for accelerated A2P

+ Extending NDT – In use in 30+ customer models

+ Launched FICO Ignite Connected Platform

20191. Constant currency

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A Strong, Diversified Portfolio of B usinesses

2019 Vertical Mix2019 Business Mix

Financial24%

Telco4%

Commercial3%Consumer

6%

Mortgage20%Retail

3%

Auto7%

Insurance2%

Government7%

Corporate (Employers)

9%

Healthcare1%

Resellers6% Other

8%

2019 Adjusted Revenue Growth

(Constant $)

2019Adjusted EBITDA

Margin

(3%) 24.6%

3% 30.4%

15% 48.6%

4% 44.6%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%Global Consumer Solutions

Workforce Solutions

USIS

International

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Equifax Differentiated Data Assets

Property & ValuationMultiple Valuation Methodologies

Consumer DemographicDescriptiveConsumer Segmentation

Single-Source Verifications Housing Insurance,IRS Transcripts, and Identity

Consumer CreditReliable, Fast, High-Quality

Telco, Cable & Utility AccountsExclusive, Superior Coverage

Employment & IncomeVerified, Direct from Employers

Commercial CreditComprehensive, High Quality & Timely Insights

Commercial MarketingComprehensive, High Quality SMB Profiles

Auto MVR and Owner/Buyer Propensity

Asset & WealthDirect Measured Deposits & Investments

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$1.25B Cloud Transformation Will Accelerate Revenue Growth and Reduce Costs and Capex

Security

Always -on

Speed & LatencyProduct velocity

Single Data Fabric

Operating scale

Product portability

ProductInnovation

NPIVelocity

Focus oncustomers

Delivery & market reach

Global revenue synergies

• More data assets

• Multi-data insights

• New products• Data

governance build-in

• Test & learn• Faster

response to customers

• Blue / green deploy

• Easier interaction

• More effective co-development

• Always-on

• Broader customer base

• Easier consumption

• Global data views • Global

platforms, capabilities

• Complete prod catalog globally

Growth enablersTechnology

Transformation benefits

Cloud financial benefits

Tech costs-(10-15)%,

Capex-(25-35%)

Revenue growth

from share, stability,

new products

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Strong Focus on Security LeadershipNew 24x7 Global Fusion CenterSecurity Transformation

Capacity for ~120 employees: current mix of ~80% Security and ~20% Tech

Co-Located Teams from cybersecurity, fraud, privacy, crisis management, network ops

Part of a global team that staffs our 24x7 incident response capabilities.

B uilding renovation cost ~$7.3M, completed in July 2019

CULTURE CONTROLS

COMPLIANCE CUSTOMERS

Pillars – 4 C’s

Total Security spend more than 3 times higher vs. pre-cybersecurity incident level

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COVID-19 Response

Priorities

Business Continuity

COVIDActions

• Health and safety of our team and their families• Continue operations for customers and consumers• Continue investment and execution on Cloud Technology, Data, and Security Transformation• Continue new product investments … tailor for recession environment

• Crisis Management T eam reporting to the CEO, daily updates, reviews with B oard of Directors• “Work -from -home” policy starting on March 16th, preparing for return to office• Continuous operations leveraging Cloud investments

• Customer outreach on recession tools … webinars, videos, calls, analytics• New products leveraging Equifax differentiated data• Active customer connections• Free credit reports for consumers• Forbearance coordination with Financial Institutions• Small businesses data support

1234

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• Webinar and Podcast series• LinkedIn series

COVID-19 Consumer Support

You Ask, Equifax Answer Series

• Articles & Videos• Relevant products (myEFX, Core Credit)

COVID + Credit Resource Center

• Free weekly credit reports in the US via ACR.com• Free credit reports in Canada

Free Credit Reports

• Bi-weekly report on the pandemic’s financial impact on people• Support to FIs to provide the most helpful services and products

Consumer Credit Confidence Index

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Equifax Well Positioned for COVID Recession

Recession -growth

Recession -impacted

2008 2019

Recession mix (% Total Revenue)

$3.5B

$1.8B

Counter -cyclical growth

<40%

~55%

Strong business mix from EWS and US Mortgage

USIS momentum

Differentiated data

Cloud transformation benefits

Strong balance sheet and liquidity

Recession -growth or Counter -cyclical growth

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Key 2019 Community Accomplishments

4,360Volunteer Hours

worldwide with 390 employees

Matching Gift Program

332 employees donated,

with over $366,000in matches

$2.6MInvested

into our communities by the

Equifax Foundation

Direct revenue received as a result of Equifax-Powered HomeScreen

product:

$36,536

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Shareholder Q& A

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