verification services revenue is transaction based and is derived primarily from employment , income and social security number verifications . employer services revenues are derived from our provision of certain human resources business process outsourcing services that include both transaction- and subscription-based product offerings . these services assist our clients with the administration of unemployment claims and employer-based tax credits and the handling of certain payroll-related transaction processing . north america personal solutions revenue is both transaction- and subscription-based and is derived from the sale of credit monitoring and identity theft protection products , which we deliver electronically to consumers primarily via the internet and to a lesser extent through mail . 29 geographic information . we currently operate in the following countries : argentina , brazil , canada , chile , costa rica , ecuador , el salvador , honduras , mexico , paraguay , peru , portugal , the republic of ireland , spain , the u.k. , uruguay , and the u.s. our operations in the republic of ireland focus on data handling and customer support activities . we have an investment in the second largest consumer and commercial credit information company in brazil and offer consumer credit services in india and russia through joint ventures . of the countries we operate in , 74 % of our revenue was generated in the u.s. during the twelve months ended december 31 , 2014 . key performance indicators . management focuses on a variety of key indicators to monitor operating and financial performance . these performance indicators include measurements of operating revenue , change in operating revenue , operating income , operating margin , net income , diluted earnings per share , cash provided by operating activities and capital expenditures . key performance indicators for the twelve months ended december 31 , 2014 , 2013 and 2012 , include the following : replace_table_token_6_th business environment and company outlook demand for our services tends to be correlated to general levels of economic activity , to consumer credit activity , to a lesser extent small commercial credit and marketing activity , in addition to our initiatives to expand our product offering and markets served . in 2014 , the united states experienced modest growth in overall economic activity and a year-over-year decline in consumer mortgage activity . in this environment , equifax revenue growth continued to benefit from our product development and market initiatives which more than offset the declines in mortgage related revenues . in 2015 , we continue to expect modest growth in overall economic activity and consumer credit . we expect mortgage market origination activity to grow modestly for the year , largely in the first half , due to continued low interest rates . internationally , the environment continues to be challenging as various countries address their particular political , fiscal and economic issues . in addition , continued weakening in foreign exchange rates will negatively impact growth in revenue and profit when reported in u.s. dollars . offsetting these challenges , we expect that our ongoing investments in new product innovation , business execution , enterprise growth initiatives , technology infrastructure , and continuous process improvement will enable us to deliver long-term average organic revenue growth ranging between 6 % and 8 % with additional growth of 1 % to 2 % derived from strategic acquisitions consistent with our long term business strategy . we also expect to grow earnings per share at a somewhat faster rate than revenue over time as a result of both operating and financial leverage . 30 results of operations — twelve months ended december 31 , 2014 , 2013 and 2012 consolidated financial results operating revenue from continuing operations replace_table_token_7_th revenue for 2014 increased by 6 % compared to 2013. the growth was driven by the acquisition of tdx in the first quarter of 2014 ( “ tdx acquisition ” ) and the impact of strategic growth initiatives across our businesses . the growth was offset by the expected decline in mortgage market activity . the fourth quarter of 2014 benefited from the relative improvement in mortgage activity in the u.s. , which declined in the second half of 2013 through 2014 , but at a lesser rate in fourth quarter of 2014. this expected decline reduced reported growth rates in our usis and workforce solutions business units for 2014 as compared to the same period for 2013. the effect of foreign exchange rates reduced revenue by $ 34.9 million or 1 % in the 2014 compared to 2013. revenue for 2013 increased by 11 % compared to 2012. the growth was driven by the acquisition of csc credit services in the fourth quarter of 2012 ( “ csc credit services acquisition ” ) and the impact of strategic growth initiatives across our businesses . the growth was offset by the expected net decline in mortgage market activity . the first half of 2013 benefited from the impact of increased mortgage refinancing activity in the u.s. , which , as expected , began to decline in the second half of 2013 as compared to the prior year . this expected decline reduced reported growth rates in our usis and workforce solutions business units for the second half of 2013 as compared to the first half of 2013. the effect of foreign exchange rates reduced revenue by $ 20.4 million in the 2013 compared to 2012. operating expenses replace_table_token_8_th cost of services . cost of services increased $ 57.4 million in 2014 compared to the prior year . the increase in cost of services , when compared to 2013 , was due primarily to the acquisition of tdx in the first quarter of 2014 and the 2013 acquisitions . the effect of changes in foreign exchange rates reduced cost of services by $ 7.7 million . 31 cost of services increased $ 27.8 million in 2013 compared to the prior year . story_separator_special_tag reported revenue also increased 11 % in 2013. canada . local currency revenue increased 6 % in 2014 compared to 2013 , primarily due to new customers within marketing and decision solutions and monitoring services as a result of breach business , as well as , growth in information services . local currency fluctuations against the u.s. dollar negatively impacted revenue by $ 11.1 million , or 7 % , in 2014. reported revenue decreased 1 % in 2014. local currency revenue increased 4 % in 2013 compared to 2012 primarily due to new customers within our technology services sector along with growth in information and analytical services . local currency fluctuations against the u.s. dollar negatively impacted revenue by $ 4.7 million , or 3 % , which resulted in 1 % reported revenue growth in 2013 as compared to 2012. international operating margin . operating margin decreased to 22.4 % in 2014 as compared to 29.2 % in 2013. the decline primarily resulted from the recent acquisitions , including increased acquisition-related amortization expense of $ 23.3 million in 2014 , related to the recent acquisitions . the decline in margin was also a result of inflation-driven pressures on margin in argentina . operating margin decreased in 2013 as compared to 2012 as the revenue growth was more than offset by increased investments in new business and strategic initiatives across most geographies in order to support future revenue growth . workforce solutions replace_table_token_15_th verification services . revenue increased 5 % in 2014 compared to prior year , due to strong growth in non-mortgage verticals , which was partially offset by the expected decline in mortgage-related verification revenue in 2014 driven by the anticipated decline in mortgage market activity in 2014. the revenue growth in non-mortgage verticals was primarily a result of increased revenue mostly related to government , pre-employment and auto segments . 37 revenue increased 8 % in 2013 compared to the prior year period . in 2013 , strong growth in non-mortgage verticals was offset by a slight decline in mortgage-related verification revenue due to the expected decline in mortgage market activity in the second half of 2013. the growth in non-mortgage verticals was primarily a result of increased revenue mostly related to government , pre-employment and consumer finance customer segments . employer services . revenue grew 1 % in 2014 , as compared to 2013. revenue growth was due to growth in our transaction-based services business and workforce analytics business . the growth in 2014 was partially offset by lower unemployment claims activity and a decline in revenue related to the non-renewal of the federal work opportunity tax credit program in 2014 . 2013 revenue increased 6 % as compared to 2012. revenue growth due to the renewal of the federal work opportunity tax credit program at the end of 2012 and growth in our transaction-based services business was partially offset by lower overall claims activity in our unemployment cost management business and the expiration of the hire act tax credit . workforce solutions operating margin . operating margin for 2014 increased compared to prior year . margin expansion in 2014 was driven by a higher mix of high margin business compared to 2013 , as well as cost management initiatives executed during the year . margin improvement was also driven by lower acquisition-related amortization due to certain purchased intangible assets related to our talx corporation acquisition in 2007 that became fully amortized during the second quarter of 2013. operating margin for 2013 increased significantly compared to 2012. margin expansion was driven by strong revenue growth in products with a high degree of fixed costs , strategic initiatives implemented to reduce costs , and from lower acquisition-related amortization . north america personal solutions replace_table_token_16_th revenue increased 4 % for 2014 , as compared to prior year , principally due to the acquisition of trustedid in the third quarter of 2013 and subscription revenue in canada . direct to consumer , equifax-branded u.s.-based subscription service revenue was up 1 % in 2014 as a result of higher average revenue per subscriber . this growth was largely offset by declines primarily in transaction revenue , as well as revenue from legacy partners and breach . operating margin increased in 2014 as compared to prior year , as increased salaries , legal expenses and acquisition-related amortization due to the acquisition of trustedid in the third quarter of 2013 was more than offset by lower marketing expenses . revenue increased 12 % in 2013 as compared to the prior year primarily due to increased direct to consumer , equifax-branded u.s.-based subscription service revenue which was up 10 % in 2013 as well as strong growth of services in the canadian market and the acquisition of trustedid completed in the third quarter of 2013. the increase in the direct to consumer , equifax-branded u.s.-based subscription service revenue was driven by new product sales and higher average revenue per subscriber , reflecting additional features in the equifax product offering , as well as growth in subscribers . transaction sales , breach services , and revenue from traditional partners each declined slightly . operating margin increased in 2013 as compared to the prior year due to lower monitoring and credit file expenses resulting from the csc credit services acquisition , partially offset by the increased investment in sales and marketing expenses and the impact of the third quarter 2013 acquisition . 38 general corporate expense replace_table_token_17_th our general corporate expenses are unallocated costs that are incurred at the corporate level and include those expenses impacted by corporate direction , including shared services , administrative , legal , restructuring , and the portion of management incentive compensation determined by total company-wide performance . general corporate expense was comparable to 2013. general corporate expenses decreased by $ 28.5 million in 2013 , compared to 2012 , primarily due to the $ 38.7 million pension settlement recorded in 2012 partially offset by higher salary , benefit

debt covenants . our outstanding indentures and comparable instruments contain customary covenants including , for example , limits on secured debt and sale/leaseback transactions . in addition , our senior credit facility requires us to maintain a maximum leverage ratio of not more than 3.5 to 1.0 , and limits the amount of subsidiary debt . our leverage ratio was 1.74 at december 31 , 2014 . none of these covenants are considered restrictive to our operations and , as of december 31 , 2014 , we were in compliance with all of our debt covenants . we do not have any credit rating triggers that would accelerate the maturity of a material amount of our outstanding debt ; however , our 6.3 % senior notes due 2017 , 3.3 % senior notes due 2022 and 7.0 % senior notes due 2037 ( together , the “ senior notes ” ) contain change in control provisions . if we experience a change of control or publicly announce our intention to effect a change of control and the rating on the senior notes is lowered by standard & poor 's , or s & p , and moody 's investors service , or moody 's , below an investment grade rating within 60 days of such change of control or notice thereof , then we will be required to offer to repurchase the senior notes at a price equal to 101 % of the aggregate principal amount of the senior notes plus accrued and unpaid interest . credit ratings .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```debt covenants . our outstanding indentures and comparable instruments contain customary covenants including , for example , limits on secured debt and sale/leaseback transactions . in addition , our senior credit facility requires us to maintain a maximum leverage ratio of not more than 3.5 to 1.0 , and limits the amount of subsidiary debt . our leverage ratio was 1.74 at december 31 , 2014 . none of these covenants are considered restrictive to our operations and , as of december 31 , 2014 , we were in compliance with all of our debt covenants . we do not have any credit rating triggers that would accelerate the maturity of a material amount of our outstanding debt ; however , our 6.3 % senior notes due 2017 , 3.3 % senior notes due 2022 and 7.0 % senior notes due 2037 ( together , the “ senior notes ” ) contain change in control provisions . if we experience a change of control or publicly announce our intention to effect a change of control and the rating on the senior notes is lowered by standard & poor 's , or s & p , and moody 's investors service , or moody 's , below an investment grade rating within 60 days of such change of control or notice thereof , then we will be required to offer to repurchase the senior notes at a price equal to 101 % of the aggregate principal amount of the senior notes plus accrued and unpaid interest . credit ratings .
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 Suspicious Activity Report : verification services revenue is transaction based and is derived primarily from employment , income and social security number verifications . employer services revenues are derived from our provision of certain human resources business process outsourcing services that include both transaction- and subscription-based product offerings . these services assist our clients with the administration of unemployment claims and employer-based tax credits and the handling of certain payroll-related transaction processing . north america personal solutions revenue is both transaction- and subscription-based and is derived from the sale of credit monitoring and identity theft protection products , which we deliver electronically to consumers primarily via the internet and to a lesser extent through mail . 29 geographic information . we currently operate in the following countries : argentina , brazil , canada , chile , costa rica , ecuador , el salvador , honduras , mexico , paraguay , peru , portugal , the republic of ireland , spain , the u.k. , uruguay , and the u.s. our operations in the republic of ireland focus on data handling and customer support activities . we have an investment in the second largest consumer and commercial credit information company in brazil and offer consumer credit services in india and russia through joint ventures . of the countries we operate in , 74 % of our revenue was generated in the u.s. during the twelve months ended december 31 , 2014 . key performance indicators . management focuses on a variety of key indicators to monitor operating and financial performance . these performance indicators include measurements of operating revenue , change in operating revenue , operating income , operating margin , net income , diluted earnings per share , cash provided by operating activities and capital expenditures . key performance indicators for the twelve months ended december 31 , 2014 , 2013 and 2012 , include the following : replace_table_token_6_th business environment and company outlook demand for our services tends to be correlated to general levels of economic activity , to consumer credit activity , to a lesser extent small commercial credit and marketing activity , in addition to our initiatives to expand our product offering and markets served . in 2014 , the united states experienced modest growth in overall economic activity and a year-over-year decline in consumer mortgage activity . in this environment , equifax revenue growth continued to benefit from our product development and market initiatives which more than offset the declines in mortgage related revenues . in 2015 , we continue to expect modest growth in overall economic activity and consumer credit . we expect mortgage market origination activity to grow modestly for the year , largely in the first half , due to continued low interest rates . internationally , the environment continues to be challenging as various countries address their particular political , fiscal and economic issues . in addition , continued weakening in foreign exchange rates will negatively impact growth in revenue and profit when reported in u.s. dollars . offsetting these challenges , we expect that our ongoing investments in new product innovation , business execution , enterprise growth initiatives , technology infrastructure , and continuous process improvement will enable us to deliver long-term average organic revenue growth ranging between 6 % and 8 % with additional growth of 1 % to 2 % derived from strategic acquisitions consistent with our long term business strategy . we also expect to grow earnings per share at a somewhat faster rate than revenue over time as a result of both operating and financial leverage . 30 results of operations — twelve months ended december 31 , 2014 , 2013 and 2012 consolidated financial results operating revenue from continuing operations replace_table_token_7_th revenue for 2014 increased by 6 % compared to 2013. the growth was driven by the acquisition of tdx in the first quarter of 2014 ( “ tdx acquisition ” ) and the impact of strategic growth initiatives across our businesses . the growth was offset by the expected decline in mortgage market activity . the fourth quarter of 2014 benefited from the relative improvement in mortgage activity in the u.s. , which declined in the second half of 2013 through 2014 , but at a lesser rate in fourth quarter of 2014. this expected decline reduced reported growth rates in our usis and workforce solutions business units for 2014 as compared to the same period for 2013. the effect of foreign exchange rates reduced revenue by $ 34.9 million or 1 % in the 2014 compared to 2013. revenue for 2013 increased by 11 % compared to 2012. the growth was driven by the acquisition of csc credit services in the fourth quarter of 2012 ( “ csc credit services acquisition ” ) and the impact of strategic growth initiatives across our businesses . the growth was offset by the expected net decline in mortgage market activity . the first half of 2013 benefited from the impact of increased mortgage refinancing activity in the u.s. , which , as expected , began to decline in the second half of 2013 as compared to the prior year . this expected decline reduced reported growth rates in our usis and workforce solutions business units for the second half of 2013 as compared to the first half of 2013. the effect of foreign exchange rates reduced revenue by $ 20.4 million in the 2013 compared to 2012. operating expenses replace_table_token_8_th cost of services . cost of services increased $ 57.4 million in 2014 compared to the prior year . the increase in cost of services , when compared to 2013 , was due primarily to the acquisition of tdx in the first quarter of 2014 and the 2013 acquisitions . the effect of changes in foreign exchange rates reduced cost of services by $ 7.7 million . 31 cost of services increased $ 27.8 million in 2013 compared to the prior year . story_separator_special_tag reported revenue also increased 11 % in 2013. canada . local currency revenue increased 6 % in 2014 compared to 2013 , primarily due to new customers within marketing and decision solutions and monitoring services as a result of breach business , as well as , growth in information services . local currency fluctuations against the u.s. dollar negatively impacted revenue by $ 11.1 million , or 7 % , in 2014. reported revenue decreased 1 % in 2014. local currency revenue increased 4 % in 2013 compared to 2012 primarily due to new customers within our technology services sector along with growth in information and analytical services . local currency fluctuations against the u.s. dollar negatively impacted revenue by $ 4.7 million , or 3 % , which resulted in 1 % reported revenue growth in 2013 as compared to 2012. international operating margin . operating margin decreased to 22.4 % in 2014 as compared to 29.2 % in 2013. the decline primarily resulted from the recent acquisitions , including increased acquisition-related amortization expense of $ 23.3 million in 2014 , related to the recent acquisitions . the decline in margin was also a result of inflation-driven pressures on margin in argentina . operating margin decreased in 2013 as compared to 2012 as the revenue growth was more than offset by increased investments in new business and strategic initiatives across most geographies in order to support future revenue growth . workforce solutions replace_table_token_15_th verification services . revenue increased 5 % in 2014 compared to prior year , due to strong growth in non-mortgage verticals , which was partially offset by the expected decline in mortgage-related verification revenue in 2014 driven by the anticipated decline in mortgage market activity in 2014. the revenue growth in non-mortgage verticals was primarily a result of increased revenue mostly related to government , pre-employment and auto segments . 37 revenue increased 8 % in 2013 compared to the prior year period . in 2013 , strong growth in non-mortgage verticals was offset by a slight decline in mortgage-related verification revenue due to the expected decline in mortgage market activity in the second half of 2013. the growth in non-mortgage verticals was primarily a result of increased revenue mostly related to government , pre-employment and consumer finance customer segments . employer services . revenue grew 1 % in 2014 , as compared to 2013. revenue growth was due to growth in our transaction-based services business and workforce analytics business . the growth in 2014 was partially offset by lower unemployment claims activity and a decline in revenue related to the non-renewal of the federal work opportunity tax credit program in 2014 . 2013 revenue increased 6 % as compared to 2012. revenue growth due to the renewal of the federal work opportunity tax credit program at the end of 2012 and growth in our transaction-based services business was partially offset by lower overall claims activity in our unemployment cost management business and the expiration of the hire act tax credit . workforce solutions operating margin . operating margin for 2014 increased compared to prior year . margin expansion in 2014 was driven by a higher mix of high margin business compared to 2013 , as well as cost management initiatives executed during the year . margin improvement was also driven by lower acquisition-related amortization due to certain purchased intangible assets related to our talx corporation acquisition in 2007 that became fully amortized during the second quarter of 2013. operating margin for 2013 increased significantly compared to 2012. margin expansion was driven by strong revenue growth in products with a high degree of fixed costs , strategic initiatives implemented to reduce costs , and from lower acquisition-related amortization . north america personal solutions replace_table_token_16_th revenue increased 4 % for 2014 , as compared to prior year , principally due to the acquisition of trustedid in the third quarter of 2013 and subscription revenue in canada . direct to consumer , equifax-branded u.s.-based subscription service revenue was up 1 % in 2014 as a result of higher average revenue per subscriber . this growth was largely offset by declines primarily in transaction revenue , as well as revenue from legacy partners and breach . operating margin increased in 2014 as compared to prior year , as increased salaries , legal expenses and acquisition-related amortization due to the acquisition of trustedid in the third quarter of 2013 was more than offset by lower marketing expenses . revenue increased 12 % in 2013 as compared to the prior year primarily due to increased direct to consumer , equifax-branded u.s.-based subscription service revenue which was up 10 % in 2013 as well as strong growth of services in the canadian market and the acquisition of trustedid completed in the third quarter of 2013. the increase in the direct to consumer , equifax-branded u.s.-based subscription service revenue was driven by new product sales and higher average revenue per subscriber , reflecting additional features in the equifax product offering , as well as growth in subscribers . transaction sales , breach services , and revenue from traditional partners each declined slightly . operating margin increased in 2013 as compared to the prior year due to lower monitoring and credit file expenses resulting from the csc credit services acquisition , partially offset by the increased investment in sales and marketing expenses and the impact of the third quarter 2013 acquisition . 38 general corporate expense replace_table_token_17_th our general corporate expenses are unallocated costs that are incurred at the corporate level and include those expenses impacted by corporate direction , including shared services , administrative , legal , restructuring , and the portion of management incentive compensation determined by total company-wide performance . general corporate expense was comparable to 2013. general corporate expenses decreased by $ 28.5 million in 2013 , compared to 2012 , primarily due to the $ 38.7 million pension settlement recorded in 2012 partially offset by higher salary , benefit

