Which of the following can be found in a consumer's credit report?

The correct choice is that all the listed items can indeed be found in a consumer's credit report.

A consumer's credit report is a comprehensive record maintained by credit reporting agencies that contains a variety of information relevant to their creditworthiness. This includes details about employers, which gives lenders insight into the consumer's employment history and stability. Prior bankruptcies are also included, as they provide potential lenders with crucial information regarding the consumer's past financial difficulties and repayment behavior. Additionally, debts and payments are a significant component of the credit report, showing current obligations and payment history, which are critical factors in assessing credit risk.

Each of these elements contributes to the overall evaluation of a consumer's credit profile, helping lenders make informed decisions when extending credit. Therefore, recognizing that a consumer's credit report encompasses all these aspects is essential for understanding how credit reporting works under the Fair Credit Reporting Act (FCRA).