<SEC-DOCUMENT>0001193125-23-139559.txt : 20230703
<SEC-HEADER>0001193125-23-139559.hdr.sgml : 20230703
<ACCEPTANCE-DATETIME>20230509172550
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001193125-23-139559
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20230509

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EQUIFAX INC
		CENTRAL INDEX KEY:			0000033185
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-CONSUMER CREDIT REPORTING, COLLECTION AGENCIES [7320]
		IRS NUMBER:				580401110
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		1550 PEACHTREE ST NW
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30302
		BUSINESS PHONE:		4048858000

	MAIL ADDRESS:	
		STREET 1:		1550 PEACHTREE ST NW
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30309

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RETAIL CREDIT CO
		DATE OF NAME CHANGE:	19760222
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<TYPE>CORRESP
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</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Richard Aftanas</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Partner</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Hogan Lovells US LLP</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">390 Madison Avenue</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, NY 10017</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">T +1 212 918 3267</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">F +1 212 918 3100</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">raftanas@hoganlovells.com</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">www.hoganlovells.com</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;9, 2023 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>BY
EDGAR </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ms.&nbsp;Cara Wirth </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Division of Corporation
Finance </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Office of Trade&nbsp;&amp; Services </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">United States
Securities and Exchange Commission </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">100 F Street, N.E. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Washington, D.C. 20549 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="7%" VALIGN="top" ALIGN="left"><B>Re:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Equifax do Brasil S.A. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>Amendment No.&nbsp;1 to Registration Statement on Form <FONT STYLE="white-space:nowrap">F-4</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>Filed April&nbsp;13, 2023 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>File <FONT STYLE="white-space:nowrap">No.&nbsp;333-270310</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>Equifax Inc. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>Amendment No.&nbsp;1 to Registration Statement on Form <FONT STYLE="white-space:nowrap">S-4</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>Filed April&nbsp;13, 2023 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:12%; font-size:10pt; font-family:Times New Roman"><B>File <FONT STYLE="white-space:nowrap">No.&nbsp;333-270309</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear Ms.&nbsp;Wirth: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Set forth below are the
responses of Equifax do Brasil S.A. (&#147;<B><I>Equifax Brasil</I></B>&#148;) and Equifax Inc. (&#147;<B><I>Equifax</I></B>&#148; and, together with Equifax Brasil, the &#147;<B><I>Registrants,</I></B>&#148; &#147;<B><I>we</I></B>&#148;,
&#147;<B><I>us</I></B>&#148; or &#147;<B><I>our</I></B>&#148;) to comments received from the staff of the Division of Corporation Finance (the &#147;<B><I>Staff</I></B>&#148;) of the Securities and Exchange Commission (the
&#147;<B><I>Commission</I></B>&#148;), by letters dated May&nbsp;4, 2023, with respect to Amendment No.&nbsp;1 to the Registration Statement on Form <FONT STYLE="white-space:nowrap">F-4</FONT> filed with the Commission by Equifax Brasil and
Amendment No.&nbsp;1 to the Registration Statement on Form <FONT STYLE="white-space:nowrap">S-4</FONT> filed with the Commission by Equifax, in each case filed on April&nbsp;13, 2023 (collectively, &#147;<B><I>Amendment
No.</I></B><B><I></I></B><B><I>&nbsp;1</I></B>&#148;). In connection with this letter responding to the Staff&#146;s comments, we hereby submit to the Commission Amendment No.&nbsp;2 to the Registration Statement (&#147;<B><I>Amendment
No.</I></B><B><I></I></B><B><I>&nbsp;2</I></B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the Staff&#146;s convenience, each response below is prefaced by the
Staff&#146;s corresponding comment in bold, italicized text. All references to page numbers and captions correspond to the page numbers and captions in Amendment No.&nbsp;2. The changes reflected in the Amendment No.&nbsp;2 include those made in
response to the Staff&#146;s comments and other changes intended to update, clarify and render more complete the information set forth therein. Unless otherwise indicated, capitalized terms used herein have the meanings assigned to them in Amendment
No.&nbsp;2. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Amendment No.&nbsp;1 to Registration Statement on Form <FONT STYLE="white-space:nowrap">F-4</FONT> Filed April&nbsp;13, 2023
</U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Background of the Transaction, page 50 </U></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B><I>We note your response to comment 12. Please revise to include the substance of your response in the
prospectus and provide a detailed description of the valuation model (utilizing the</I></B> </P></TD></TR></TABLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Division of Corporation Finance </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 9, 2023 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
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discounted cash flow method), current and historical Boa Vista stock prices and historical trading trends, premium offered in precedent transactions, comparable companies valuations and precedent
transaction analysis, input from advisors, and other customary information. </I></B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman"><U>Response</U>: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">In response to the Staff&#146;s comment, the Registrants have revised the disclosure on page&nbsp;51 of Amendment No.&nbsp;2 to
provide a summary of the information that was evaluated by the board of directors of Equifax in determining the consideration to be offered. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to Staff&#146;s request to provide a detailed description of this information, we respectfully submit that we do
not believe this level of detail is required by Form <FONT STYLE="white-space:nowrap">F-4</FONT> or Form <FONT STYLE="white-space:nowrap">S-4</FONT> nor is it customary or appropriate in our circumstances. We acknowledge that, were disclosure
required pursuant to Item 4(b) of Forms <FONT STYLE="white-space:nowrap">S-4</FONT> and <FONT STYLE="white-space:nowrap">F-4,</FONT> a detailed discussion of the opinion, report or appraisal, including the underlying valuation methodologies, would
be both required and customary. However, as is the case here, where there was no such report, opinion or appraisal, Item 4(b) is inapplicable. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">We believe the disclosure in Amendment No.&nbsp;2 satisfies the requirements of Item 4(a) to provide a summary of the material
features of the proposed transaction including, specifically, the reasons for Equifax engaging in the proposed transaction. More broadly, we do not believe that the level of detail requested is required in order to provide potential investors all
material information needed to make an informed decision about electing either EFX BDRs or EFX Brasil Common Shares pursuant to the terms of the Merger Agreement. As we have previously noted, with respect to the target&#146;s shareholders, the
Registration Statement is expressly not a proxy statement and is not being used to solicit votes with respect to the BV Special Meeting or any other meeting of the shareholders of Boa Vista held in connection with the Transaction. The solicitation
of votes will be made by Boa Vista solely pursuant to information provided to its shareholders in a document prepared in accordance with the requirements of the Brazilian Corporations Law and the Brazilian Securities Commission (CVM). Similarly,
Equifax&#146;s shareholders are not required to vote to approve the transaction and the sole shareholder of Equifax Brasil is Equifax. Accordingly, the Registration Statement is solely a means to register the two alternative forms of equity
consideration being offered, EFX BDRs and EFX Brasil Common Shares, and we believe this is the appropriate framework within which to evaluate the materiality of the disclosure. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">As it relates to the EFX BDRs, as previously noted to the Staff, Equifax is materially larger than Boa Vista and this
acquisition will not be considered significant, for example, under either Item <FONT STYLE="white-space:nowrap">3-05</FONT> of Regulation <FONT STYLE="white-space:nowrap">S-X</FONT> nor Item 2.01 of Form <FONT STYLE="white-space:nowrap">8-K.</FONT>
Accordingly, when assessing the materiality of the disclosure with respect to the transaction relative to an investment decision in Equifax, we do not believe additional disclosure is warranted. As it relates to EFX Brasil Common Shares, we note
that the investment decision for Boa Vista shareholders electing to receive this consideration is effectively an investment in the security they already own (as post-transaction Boa Vista will be wholly-owned and controlled by EFX Brasil, and EFX
Brasil will assume the business and operations currently conducted by Boa Vista), although they are making the same investment at an 89&nbsp;percent premium to the closing price of BV Common Shares immediately prior to the announcement of the
transaction and a 65&nbsp;percent premium to the volume weighted average trading price of BV Common Shares for the 30 trading days preceding the announcement. Accordingly, we believe additional detail with respect to how the Equifax board determined
the amount of the premium to be offered is not material. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Division of Corporation Finance </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 9, 2023 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Finally, we do not believe this disclosure is customary in transactions
registered on Form <FONT STYLE="white-space:nowrap">S-4</FONT> or Form <FONT STYLE="white-space:nowrap">F-4</FONT> that did not also include a proxy statement or involve the delivery of a fairness opinion or similar valuation analysis, even though
we would expect the boards involved in these transactions presumably also reviewed or considered similar types of valuation analyses in determining the consideration to be offered in their transactions. See, for example, Form <FONT
STYLE="white-space:nowrap">F-4</FONT> of StoneCo Ltd. (Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-248562),</FONT> Form <FONT STYLE="white-space:nowrap">F-4</FONT> of Inter Platform, Inc. (Registration Statement <FONT
STYLE="white-space:nowrap">No.&nbsp;333-260701),</FONT> Form <FONT STYLE="white-space:nowrap">S-4</FONT> for Ondas Holdings Inc. (Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-267565)</FONT> and Form <FONT
STYLE="white-space:nowrap">S-4</FONT> for International Flavors&nbsp;&amp; Fragrances Inc. (Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-225728).</FONT> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>EFX&#146;s Reasons for the Transaction, page 52 </U></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B><I>We note your amended disclosure and response to comment 13. Please revise to include a list of the
negative factors considered by the EFX Board, or if there are none, or the EFX Board did not consider any negative factors, please revise to state as much.</I></B> </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman"><U>Response</U>: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">In response to the Staff&#146;s comment, the Registrant has revised the disclosure on page&nbsp;52 of Amendment No.&nbsp;2.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Amendment No.&nbsp;1 to Registration Statement on Form <FONT STYLE="white-space:nowrap">S-4</FONT> Filed April&nbsp;13, 2023 </U></B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B><I>We note the amended registration statement on Form <FONT STYLE="white-space:nowrap">F-4</FONT> filed by
Equifax do Brasil S.A. (File No.</I></B><B><I></I></B><B><I><FONT STYLE="white-space:nowrap">&nbsp;333-270310).</FONT> Please see the comments issued in connection with that registration statement and make conforming changes to this Form <FONT
STYLE="white-space:nowrap">S-4,</FONT> as appropriate.</I></B> </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman"><U>Response</U>: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">As noted above, Equifax has revised Amendment No.&nbsp;2, or otherwise responded herein, to each of the Staff&#146;s comments
to Equifax Brasil. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">**** </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We
hope that the foregoing has been responsive to the Staff&#146;s comments. If you have any questions with respect to the foregoing, please do not hesitate to contact Richard Aftanas of Hogan Lovells US LLP at (212)
<FONT STYLE="white-space:nowrap">918-3267</FONT> or via email at raftanas@hoganlovells.com. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Division of Corporation Finance </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 9, 2023 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
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<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sincerely,</P></TD></TR>
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<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Richard Aftanas </P></TD></TR>
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<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Richard Aftanas</P></TD></TR></TABLE></DIV>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top">cc:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John J. Kelley III, Esq.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Equifax
Inc.</I></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John W. Gamble, Jr.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Equifax do Brasil S.A.</I></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John Beckman</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keith Flaum</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Hogan Lovells US LLP</I></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Adriana Pallis</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Clarissa Freitas</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><I>Machado Meyer</I></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
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