What Equifax Argentina does

Equifax Argentina S.A., formerly Organización Veraz S.A., is the Argentine operating subsidiary of Equifax Inc. (NYSE: EFX) and provides credit information, identity verification, fraud detection, data-driven marketing, collections, and verification services to Argentine businesses and consumers. Its product portfolio is structured as a platform-plus-modules architecture: core consumer credit reports (Reporte Veraz Personal, Unlimited, Third Party, Auto) and alert services (Alertas Veraz) sit alongside enterprise solutions including Interactive Reports, Mora Control, InterConnect, ID Validator, and Kount fraud protection. The offering is powered by the global Equifax Amplify AI platform and Equifax Cloud infrastructure, with proprietary data assets spanning consumer credit, telecommunications, utilities, and specialized finance.

The company serves four primary customer segments: financial institutions, small and medium enterprises (PyMEs), large vertical enterprises (automotive, insurance, retail/e-commerce, services), and individual consumers. Distribution combines direct enterprise sales with a regional franchise network covering Buenos Aires Centro, Córdoba y La Rioja, Cuyo, NOA, and Santa Fe, supplemented by a consumer e-commerce portal (veraz.com.ar) and WhatsApp support. Revenue mechanics blend subscription/recurring enterprise contracts with transaction-fee-based direct-to-consumer credit report sales.

Argentina-specific revenue is not separately disclosed by the publicly-traded parent. The local entity maintains 51–100 employees and is headquartered at Av. Leandro N. Alem 815, Buenos Aires, with the parent organization operating in 24 countries with nearly 15,000 employees globally. Equifax Argentina is GDPR-compliant for international data transfers via standard contractual clauses approved by Argentina's Agency of Access to Public Information (AAIP).

Name

Equifax Argentina

Legal name

Equifax Argentina S.A.

Website

https://soluciones.equifax.com.ar

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

51–100 employees

Short description

Equifax Argentina S.A. (formerly Organización Veraz) provides credit reporting, identity verification, fraud prevention, collections, and data-driven marketing services to Argentine financial institutions, PyMEs, automotive, insurance, retail, and individual consumers via direct enterprise sales and a regional franchise network, powered by the parent's Equifax Amplify AI platform.

Ownership category

akta.pro rank

Product category

Credit Information & Risk Analytics

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB), Credit Score Monitoring & Credit Building (FSAGADAE), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Credit reporting services
• Fraud prevention analytics
• Identity verification solutions
• Credit risk assessment
• Data-driven marketing

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Reports and Risk Assessment: Equifax generates revenue through the sale of credit reports, credit scores, and risk assessment services for both consumers and businesses, enabling credit decision-making.
2. Identity and Fraud Prevention: Revenue from identity validation, fraud detection, and prevention solutions including Kount for digital transaction protection.
3. Data-Driven Marketing: Data enrichment and marketing analytics services helping businesses reach correct target audiences and improve customer contactability.
4. Collections and Debt Recovery: Collection management and debt recovery solutions for efficient portfolio recovery.
5. Consumer Credit Reports (Veraz): Direct-to-consumer sales of Veraz credit reports including Personal, Unlimited, Third Party, and Auto reports, along with Alert services.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Equifax Argentina sells credit information, identity verification, and fraud prevention products and analytics services to businesses and consumers in Argentina. Enterprise offerings include credit risk assessment, data-driven marketing analytics, collection management, identity validation, and the Kount fraud-blocking solution, all powered by the proprietary Equifax Amplify AI platform and Equifax Cloud. Consumers can purchase individual credit reports (Personal, Unlimited, Third Party, Auto) and subscription-based fraud alerts under the Veraz brand via a national franchise network and e-commerce portal.

Product overview

Equifax Argentina operates as a data, analytics, and technology company offering a comprehensive portfolio of credit information products and services. The offering follows a platform-plus-modules architecture, combining core credit reporting products (Reporte Veraz family for consumers and Interactive Reports/Mora Control/InterConnect for enterprises) with specialized category solutions for Credit Risk, Identity and Fraud, Data-Driven Marketing, Collection, and Verification. The Equifax Amplify AI platform powers advanced analytics capabilities across the portfolio, while Kount provides fraud protection for digital transactions. Products serve individual consumers, small businesses (PyMEs), and large enterprises across industries including automotive, financial institutions, retail, insurance, and services sectors.

Differentiator

Problem solved

Functional benefit

Brands

• Kount: Solution that blocks fraud, reduces consumer friction, and increases digital transaction revenue.
• Reporte Veraz Personal
• Reporte Veraz Ilimitado
• Reporte Veraz de Terceros
• Reporte Veraz Auto
• Alertas Veraz
• Equifax Amplify AI
• Interactive Reports
• Mora Control
• InterConnect
• ID Validator

Products and services

• Reporte Veraz Personal Provides consumers with access to commercial and credit information in the most complete report in the Argentine financial market, facilitating credit access and planning of operations securely.
• Reporte Veraz Ilimitado Allows consumers to consult their credit report as many times as desired for 6 months, providing continuous access to credit profile monitoring.
• Reporte Veraz de Terceros Most complete used vehicle history report needed for buying or selling, including debt records, traffic violations, and vehicle details.
• Reporte Veraz Auto Vehicle history report providing reliable information about a car's past including brand, model, year, chassis, and engine numbers.
• Alertas Veraz Automatic alert service that notifies users when changes occur in their commercial credit report or when someone queries their Veraz Personal Report, protecting against fraud and identity theft.
• Interactive Reports Interactive business credit reporting solution for enterprise clients, providing on-demand credit information for B2B decision-making.
• Mora Control Delinquency monitoring and control solution for managing overdue accounts and improving collection portfolio recovery.
• InterConnect Enterprise credit information and risk assessment platform connecting businesses to global Equifax credit data for cross-border decisioning.
• ID Validator Identity validation solution enabling businesses to verify customer identities and prevent fraud throughout the customer journey.
• Kount Fraud-blocking solution that reduces consumer friction and increases revenue from digital transactions through AI-powered identity verification and fraud prevention.

Quantifiable outcome

• Over 3,500 consumer credit files delivered to US lenders in 2024
• +3 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

One partnership is on record.

• Franchisees and Commercial RepresentativescoreChannel Partner/ Reseller/ DistributorEquifax Argentina operates through a network of franchisees and commercial representatives across major Argentine regions including Buenos Aires Centro (Mar del Plata, Bahía Blanca), Córdoba y La Rioja, Cuyo (Mendoza, San Juan, San Luis, Neuquén, La Pampa, Río Negro), NOA (Tucumán, Salta, Jujuy, Santiago del Estero), and Santa Fe (Rosario, San Nicolás, San Pedro, Pergamino). These franchises distribute Reporte Veraz credit products and provide localized customer support.

Scale indicators10 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Nosis: Argentina's largest domestically owned credit information and risk analytics provider, offering consumer and business credit reports, scoring, and identity verification. Closest like-for-like competitor to Equifax Argentina's Reporte Veraz and enterprise credit risk products in the local market.
• Experian Argentina: Argentine arm of global credit bureau Experian, offering consumer and commercial credit reports, fraud prevention, and analytics. Directly competes with Equifax Argentina across both B2B and B2C credit information offerings in the same geography.

Broad incumbents

• CRIF: Italian-headquartered global credit information and business information group with established presence across Latin America. Competes with Equifax Argentina in credit bureau, ID verification, and decisioning solutions at a regional scale.
• TransUnion: One of the three major global credit bureaus alongside Equifax and Experian. While its Argentine footprint is smaller, it operates globally with comparable credit reporting, fraud, and analytics products targeting the same enterprise customer base.
• FICO: Global leader in credit scoring, analytics, and decision management. Provides credit scores and decisioning software widely used by Argentine lenders, overlapping with Equifax Argentina's risk analytics and decision-model offerings.
• LexisNexis Risk Solutions: Provides identity verification, fraud detection, and compliance data to financial institutions and insurers globally, including Latin America. Competes with Equifax's Identity & Fraud and Verification solutions, particularly for bank-grade KYC.

Others

• Equifax Inc. Parent company of Equifax Argentina. Provides shared technology platforms (Equifax Cloud, Amplify AI, Kount), R&D, and global data assets that the Argentine subsidiary distributes locally; not a competitor but a strategic enabler.

Regional players

• Datacrédito (Experian Colombia): Latin American credit bureau operated by Experian, dominant in Colombia and a benchmark regional peer. Comparable in product mix to Equifax Argentina—consumer reports, business reports, fraud, and analytics—offering a read on regional product strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Equifax Argentina