EFX · Equifax Inc · Debt

On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein (the “Underwriting Agreement”), with regard to the issuance and sale by the Company of $500,000,000 aggregate principal amount of the Company’s 5.000% Senior Notes due 2029 (the “2029 Notes”) and $500,000,000 aggregate principal amount of the Company’s 5.650% Senior Notes due 2033 (the “2033 Notes” and, together with the 2029 Notes, the “Notes”). The Notes were issued pursuant to the Indenture, dated as of July 29, 2026 (the “Base Indenture”), between the Company and U.S. Bank Trust Company, National Association, as trustee, as supplemented by the First Supplemental Indenture relating to the Notes, dated as of July 29, 2026 (the “Supplemental Indenture” and, together with the Base Indenture, the “Indenture”).

Issuer evidence: On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein (the “Underwriting Agreement”), with regard to the issuance and sale by the Company of $500,000,000 aggregate principal amount of the Company’s 5.000% Senior Notes due 2029 (the “2029 Notes”) and $500,000,000 aggregate principal amount of the Company’s 5.650% Senior Notes due 2033 (the “2033 Notes” and, together with the 2029 Notes, the “Notes”). The Notes were issued pursuant to the Indenture, dated as of July 29, 2026 (the “Base Indenture”), between the Company and U.S. Bank Trust Company, National Association, as trustee, as supplemented by the First Supplemental Indenture relating to the Notes, dated as of July 29, 2026 (the “Supplemental Indenture” and, together with the Base Indenture, the “Indenture”).

Supporting evidence: Interest on the 2029 Notes will accrue from July 29, 2026 at a rate of 5.000% per year and will be payable in cash semi-annually in arrears on February 15 and August 15 of each year, beginning on February 15, 2027. Interest on the 2033 Notes will accrue from July 29, 2026 at a rate of 5.650% per year and will be payable in cash semi-annually in arrears on February 15 and August 15 of each year, beginning on February 15, 2027.

Supporting evidence: The 2029 Notes will mature on August 15, 2029. Prior to their maturity date, the Company may redeem the 2029 Notes at its option, in whole or in part, at any time and from time to time, at a redemption price (expressed as a percentage of the principal amount and rounded to three decimal places) equal to the greater of (1)(a) the sum of the present values of the remaining scheduled payments of principal and interest thereon discounted to the redemption date (assuming the 2029 Notes matured on August 15, 2029) on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate (as defined in the Indenture) plus 15 basis points, less (b) interest accrued to the redemption date, and (2) 100% of the principal amount of the 2029 Notes to be redeemed, plus, in either case, accrued and unpaid interest thereon to, but excluding, the redemption date.

Supporting evidence: On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein (the “Underwriting Agreement”), with regard to the issuance and sale by the Company of $500,000,000 aggregate principal amount of the Company’s 5.000% Senior Notes due 2029 (the “2029 Notes”) and $500,000,000 aggregate principal amount of the Company’s 5.650% Senior Notes due 2033 (the “2033 Notes” and, together with the 2029 Notes, the “Notes”). The Notes were issued pursuant to the Indenture, dated as of July 29, 2026 (the “Base Indenture”), between the Company and U.S. Bank Trust Company, National Association, as trustee, as supplemented by the First Supplemental Indenture relating to the Notes, dated as of July 29, 2026 (the “Supplemental Indenture” and, together with the Base Indenture, the “Indenture”).

On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein (the “Underwriting Agreement”), with regard to the issuance and sale by the Company of $500,000,000 aggregate principal amount of the Company’s 5.000% Senior Notes due 2029 (the “2029 Notes”) and $500,000,000 aggregate principal amount of the Company’s 5.650% Senior Notes due 2033 (the “2033 Notes” and, together with the 2029 Notes, the “Notes”). The Notes were issued pursuant to the Indenture, dated as of July 29, 2026 (the “Base Indenture”), between the Company and U.S. Bank Trust Company, National Association, as trustee, as supplemented by the First Supplemental Indenture relating to the Notes, dated as of July 29, 2026 (the “Supplemental Indenture” and, together with the Base Indenture, the “Indenture”).

Issuer evidence: On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein (the “Underwriting Agreement”), with regard to the issuance and sale by the Company of $500,000,000 aggregate principal amount of the Company’s 5.000% Senior Notes due 2029 (the “2029 Notes”) and $500,000,000 aggregate principal amount of the Company’s 5.650% Senior Notes due 2033 (the “2033 Notes” and, together with the 2029 Notes, the “Notes”). The Notes were issued pursuant to the Indenture, dated as of July 29, 2026 (the “Base Indenture”), between the Company and U.S. Bank Trust Company, National Association, as trustee, as supplemented by the First Supplemental Indenture relating to the Notes, dated as of July 29, 2026 (the “Supplemental Indenture” and, together with the Base Indenture, the “Indenture”).

Supporting evidence: Interest on the 2029 Notes will accrue from July 29, 2026 at a rate of 5.000% per year and will be payable in cash semi-annually in arrears on February 15 and August 15 of each year, beginning on February 15, 2027. Interest on the 2033 Notes will accrue from July 29, 2026 at a rate of 5.650% per year and will be payable in cash semi-annually in arrears on February 15 and August 15 of each year, beginning on February 15, 2027.

Supporting evidence: The 2033 Notes will mature on August 15, 2033. Prior to June 15, 2033 (two months prior to their maturity date), the Company may redeem the 2033 Notes at its option, in whole or in part, at any time and from time to time, at a redemption price (expressed as a percentage of the principal amount and rounded to three decimal places) equal to the greater of (1)(a) the sum of the present values of the remaining scheduled payments of principal and interest thereon discounted to the redemption date (assuming the 2033 Notes matured on June 15, 2033) on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate (as defined in the Indenture) plus 20 basis points, less (b) interest accrued to the redemption date, and (2) 100% of the principal amount of the 2033 Notes to be redeemed, plus, in either case, accrued and unpaid interest thereon to, but excluding, the redemption date.

Supporting evidence: On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein (the “Underwriting Agreement”), with regard to the issuance and sale by the Company of $500,000,000 aggregate principal amount of the Company’s 5.000% Senior Notes due 2029 (the “2029 Notes”) and $500,000,000 aggregate principal amount of the Company’s 5.650% Senior Notes due 2033 (the “2033 Notes” and, together with the 2029 Notes, the “Notes”). The Notes were issued pursuant to the Indenture, dated as of July 29, 2026 (the “Base Indenture”), between the Company and U.S. Bank Trust Company, National Association, as trustee, as supplemented by the First Supplemental Indenture relating to the Notes, dated as of July 29, 2026 (the “Supplemental Indenture” and, together with the Base Indenture, the “Indenture”).

Section 1.3. Amount of Series. Subject to Section 1.10 hereof, the aggregate principal amount of the 2029 Notes that may be issued under this First Supplemental Indenture is initially limited to $500,000,000 and the aggregate principal amount of the 2033 Notes that may be issued under this First Supplemental Indenture is initially limited to $500,000,000. The Notes may, upon the execution and delivery of this First Supplemental Indenture or from time to time thereafter, be executed by the Issuer and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes upon the delivery of a Company Order.

Issuer evidence: **FIRST SUPPLEMENTAL INDENTURE** **,** dated as of July 29, 2026, between EQUIFAX INC., a Georgia corporation (the “Issuer”), having its principal office at 1550 Peachtree Street, N.W., Atlanta, Georgia 30309, and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as trustee (the “Trustee”), having its Corporate Trust Office at 2 Concourse Parkway, Suite 800, Atlanta, Georgia 30328-5588, under the Indenture, dated as of July 29, 2026, between the Issuer and the Trustee (the “Original Indenture”).

Supporting evidence: Section 1.1. Designation of Series. Pursuant to the terms hereof and Section 301 of the Original Indenture, the Issuer hereby creates a series of its debt securities which shall be known as the “5.000% Senior Notes due 2029” (the “2029 Notes”) and a series of its debt securities which shall be known as the “5.650% Senior Notes due 2033” (the “2033 Notes” and, together with the 2029 Notes, the “Notes”), which Notes shall be deemed “Securities” for all purposes under the Original Indenture.

Supporting evidence: Section 1.1. Designation of Series. Pursuant to the terms hereof and Section 301 of the Original Indenture, the Issuer hereby creates a series of its debt securities which shall be known as the “5.000% Senior Notes due 2029” (the “2029 Notes”) and a series of its debt securities which shall be known as the “5.650% Senior Notes due 2033” (the “2033 Notes” and, together with the 2029 Notes, the “Notes”), which Notes shall be deemed “Securities” for all purposes under the Original Indenture.

Section 1.3. Amount of Series. Subject to Section 1.10 hereof, the aggregate principal amount of the 2029 Notes that may be issued under this First Supplemental Indenture is initially limited to $500,000,000 and the aggregate principal amount of the 2033 Notes that may be issued under this First Supplemental Indenture is initially limited to $500,000,000. The Notes may, upon the execution and delivery of this First Supplemental Indenture or from time to time thereafter, be executed by the Issuer and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes upon the delivery of a Company Order.

Issuer evidence: **FIRST SUPPLEMENTAL INDENTURE** **,** dated as of July 29, 2026, between EQUIFAX INC., a Georgia corporation (the “Issuer”), having its principal office at 1550 Peachtree Street, N.W., Atlanta, Georgia 30309, and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as trustee (the “Trustee”), having its Corporate Trust Office at 2 Concourse Parkway, Suite 800, Atlanta, Georgia 30328-5588, under the Indenture, dated as of July 29, 2026, between the Issuer and the Trustee (the “Original Indenture”).

Supporting evidence: Section 1.1. Designation of Series. Pursuant to the terms hereof and Section 301 of the Original Indenture, the Issuer hereby creates a series of its debt securities which shall be known as the “5.000% Senior Notes due 2029” (the “2029 Notes”) and a series of its debt securities which shall be known as the “5.650% Senior Notes due 2033” (the “2033 Notes” and, together with the 2029 Notes, the “Notes”), which Notes shall be deemed “Securities” for all purposes under the Original Indenture.

Supporting evidence: Section 1.1. Designation of Series. Pursuant to the terms hereof and Section 301 of the Original Indenture, the Issuer hereby creates a series of its debt securities which shall be known as the “5.000% Senior Notes due 2029” (the “2029 Notes”) and a series of its debt securities which shall be known as the “5.650% Senior Notes due 2033” (the “2033 Notes” and, together with the 2029 Notes, the “Notes”), which Notes shall be deemed “Securities” for all purposes under the Original Indenture.