Which piece of information can a consumer's credit report reveal?

A consumer's credit report primarily focuses on credit-related information, making the details of credit history and payment patterns a central aspect of the report. This includes data such as the types of credit accounts held (like credit cards and loans), total amounts owed, payment history (whether payments have been made on time or missed), and the status of various accounts (open, closed, delinquent, etc.). This information is vital for potential lenders evaluating an individual's creditworthiness.

While other options mention various types of information, they do not align with the specific details contained within a credit report as defined by the Fair Credit Reporting Act. Medical history is protected by the Health Insurance Portability and Accountability Act (HIPAA) and is not included in a credit report. Social media activity is not part of credit reporting, as it pertains to personal information that does not impact creditworthiness. Employment history may be collected in a different context, but credit reports typically only include employment information when it is necessary to verify identity or when it pertains to a credit application, and often only the employer's name rather than a full history. Thus, the focus on credit history and payment patterns correctly reflects what is found in a consumer's credit report.