When a block due to identity theft is applied, to whom must the block and possible identity theft be reported?

• A. The consumer only
• B. The furnisher only
• C. Both the consumer and the furnisher
• D. Neither

Answer: (C)

A block placed because of identity theft is meant to protect the consumer and to coordinate with the data providers. When this block is applied, both the consumer and the furnisher must be notified. The consumer needs to know that a protective measure is in place and what it means for their credit activity. The furnisher (the lender or other party that provides information to the credit bureau) must be informed so they can stop reporting or flag information tied to the theft and work with the consumer to resolve any fraudulent items. This dual notification helps prevent further misuse of the stolen identity and keeps all parties aligned on next steps.