The 10-K filing highlights that the International segment's revenue growth was primarily driven by the BVS acquisition and expansion in Latin America. This suggests that strategic acquisitions are contributing to Equifax's growth in key international markets.

The 10-K filing identifies that the USIS segment's revenue growth was primarily due to increases in online revenue from non-mortgage online services and consumer services. This indicates a strategic focus on expanding beyond mortgage-related services and leveraging digital platforms.

The 10-K filing notes that Workforce Solutions revenue declined slightly due to the impact of the mortgage market decline on Verification Services. However, this was partially offset by growth in Employer Services, indicating a diversified strategy within the segment.

The 10-K filing acknowledges that the technology transformation strategy places significant strain on management, personnel, operations, systems, technical performance, financial resources, and internal financial controls. This indicates potential challenges in managing the transformation effectively.

The 10-K filing highlights the company's commitment to data security and compliance with various regulations. This is evidenced by ongoing investments in security measures, employee training, and contractual precautions, all of which reflect an emphasis on risk management.

The 10-K filing details the company's activities in issuing and repaying debt, as well as share repurchase programs. This demonstrates active management of capital structure and shareholder returns.

The 10-K filing emphasizes the risk of security breaches and attacks, which could compromise company, consumer, and customer information. The document acknowledges the potential for significant costs related to remediation and legal liability.

The 10-K filing notes that the failure to realize the anticipated benefits of the technology transformation strategy could adversely impact the business and financial results. This includes potential issues with customer migration and system performance.

The 10-K filing highlights the risk that the loss of access to credit, employment, financial, and other data from external sources could harm the ability to provide products and services. This includes potential issues with data furnishers withdrawing or increasing costs.

The 10-K filing acknowledges that the markets are highly competitive and that new product introductions and pricing strategies by competitors could decrease sales and market share or require Equifax to enhance products/services or reduce prices. This indicates a risk of margin compression.

The 10-K filing notes that the loss of one or more major customers or business partners could adversely affect the business, financial condition, and results of operations. This suggests a dependence on a limited number of key relationships.

The 10-K filing states that if Equifax does not introduce successful new products, services, and analytical capabilities in a timely manner, or if the market does not adopt new services, its competitiveness and operating results will suffer. This highlights the importance of innovation.

The 10-K filing expresses the expectation that the technology transformation strategy will significantly increase efficiency and productivity. This suggests a focus on improving operational efficiency through technological upgrades.

The 10-K filing notes that inaccurate or unreliable data could adversely affect customer decisioning and poses reputational, compliance, and financial risk to the company. This highlights the importance of maintaining data quality for operational efficiency.

The 10-K filing acknowledges that system interruptions or failures could delay or interrupt services to customers, which could result in lost revenues or customers, lower margins, service level penalties, or other harm to the business and reputation. This highlights the need for robust operational resilience.

The 10-K filing emphasizes the technology transformation strategy, including the transition to cloud-based technologies, as a key focus. This indicates a commitment to innovation and technological advancement.

The 10-K filing acknowledges risks associated with the use of artificial intelligence and machine learning models, including potential biases and liability. This suggests a need for careful management of these technologies.

The 10-K filing highlights the extensive use of advanced data and technology security tools, techniques, services, and processes to protect information. This indicates a strong emphasis on data security and technological capabilities.

The 10-K filing indicates that capital expenditures are used for developing, enhancing, and deploying new and existing software in support of the expanding product set and technology transformation. This suggests a strategic allocation of capital towards technological advancements.

The 10-K filing notes that acquisitions, joint ventures and other alliances are used to grow the business and expand geographic reach. This indicates a strategic allocation of capital towards inorganic growth.

The 10-K filing details debt refinancing activities, including the issuance of new senior notes and the repayment of existing debt. This demonstrates management's efforts to optimize the cost of capital.

The 10-K filing states that the reputation and/or business could be negatively impacted by ESG matters and/or the reporting of such matters. This suggests a risk related to ESG performance and disclosure.

The 10-K filing indicates that the company communicates certain ESG-related initiatives, goals, and commitments regarding climate, diversity, responsible sourcing, and social investments. This suggests an effort to address ESG concerns.

The 10-K filing states that the company could fail to achieve, or be perceived to fail to achieve, its greenhouse gas reduction commitments or other ESG-related initiatives, goals, and commitments. This suggests a risk related to achieving ESG targets.

The 10-K filing notes that the company's customers, and therefore its business and revenues, are sensitive to negative changes in general economic conditions, including the demand and availability of affordable credit and capital, the level and volatility of interest rates, the level of inflation, employment levels, consumer confidence and housing demand.

The 10-K filing states that in 2024, the U.S. mortgage market, as measured by credit inquiries, is expected to decline by approximately 16% compared to 2023. This indicates a potential headwind for certain segments.

The 10-K filing acknowledges that sales outside the U.S. are subject to various risks associated with doing business internationally and these risks may differ in each jurisdiction where Equifax operates. This suggests potential challenges in international markets.