If a block is placed due to identity theft, who must be notified by the consumer reporting agency?

• A. The person who furnished the information
• B. The consumer
• C. The bank
• D. The credit bureau

Answer: (A)

When a block is placed on a consumer’s file due to identity theft, the consumer reporting agency must notify the furnisher—the person or entity that originally provided the information to the bureau. This ensures the furnisher is aware that a block is in place and can take appropriate steps, such as verifying identity before reporting new information. The consumer may receive notice as well, but the requirement being tested is to inform the furnisher.