::To an observer, events happen when he observes them.  Distant events cannot be detected by any means until a signal from the event has a chance to reach him.  Stating that an event occurred, but that the photons have not had a chance to travel to you implies that you possess a faster than light means of detection.  We can use theory to predict when an event might occur.  However, stating the event has occurred implies some form of detectable reality other than a person's affirmation. 

 ::No outside observer can observe the formation of a black hole.  Unless black holes were created "as is" with the universe or began forming in the infinitely distant past, they cannot exist to outside observers today.  Barring the existence of pre-existing black holes, black holes cannot be detected even by their absence.  Electromagnetic radiation like gamma rays or radio waves from the center of frozen stars can still reach outsiders as long as such stars are transparent to such radiation. 

 ::As far as an infalling observer is concerned, he can fall into a frozen star, but he will not know whether such a star becomes a black hole with an event horizon until he finds himself crossing such a horizon.  Signals and light falling in behind him reach him from our present.  Assuming he can detect that he is in a black hole, he would conclude that the black hole exists simultaneously with our present. 

 ::However, infalling signals comes from outside and do not convey to him the existence of a black hole.  He may not be able to detect that he is in a black hole simultaneously with observing our present.  He is in free fall and may not be able to detect that he is in a gravitational field.  Once he stops, he presumably would be crushed, but he would accelerating at infinite speed through time and in a mere instant he would observing (if alive) the infinitely distant future of outsiders (if such a future exists).  If he can only observe the black hole when he ends his free fall, then his observations would not appear to contradict that of outside observers. 

 ::Whether or not an infalling observer can observe a black hole simultaneously with our present does not matter in regard to outside observers.  There is little basis for claiming that actual black holes exist as outsiders cannot witness the formation of such objects.  An infalling observer cannot report to outsiders his knowledge of such objects.