What is included in the consumer's credit report?

The correct choice identifies that loan balances and payment history are indeed included in a consumer's credit report. This information is critical for lenders as it provides a snapshot of the consumer's credit behavior and management over time.

Loan balances indicate how much a consumer owes across various credit accounts, while payment history reflects their punctuality in repaying debts. Both factors significantly impact a credit score and influence a lender's decision regarding creditworthiness. A strong history of on-time payments and manageable balances can lead to better loan terms and increased borrowing potential.

In contrast, property ownership details, income and employment status, and rent payment history, while they may provide insights into a consumer's financial situation, are not typically found on a standard credit report. Property ownership may be available through public records, but it is not a direct component of the credit report itself. Income and employment status are often assessed through other means during the loan application process, and while rent payment history can be important for some lenders, it is not universally included in traditional credit reporting.