Which entity is responsible for blocking information from a report that results from alleged identity theft when the consumer supplies certain information?

• A. The furnisher
• B. The consumer reporting agency
• C. The consumer
• D. The credit bureau supervisor

Answer: (B)

The block on information that resulted from identity theft is handled by the consumer reporting agency. When a consumer reports identity theft and provides the required documentation (such as an identity theft report and, sometimes, a police report), the CRA must place a block on the items in the consumer’s file that originated from the theft. This prevents those items from appearing in the consumer’s credit reports and from being shared with lenders while the matter is resolved. The furnisher supplies data to the CRA but does not enact the block, the consumer cannot unilaterally block items themselves, and there isn’t a “credit bureau supervisor” that performs this action.