These are the sentences:
My umbrella is borrowed by Tom. May I use yours？
My umbrella has been borrowed by Tom. May I use yours?
I wrote the first sentence as my answer in my grammar quiz, but my teacher said that I'm wrong. And the answer should be the second one.
What is the difference in these two sentence and is my sentence correct?
Thank you very much.
ps. I am the one who post the last post, but I lost my account, so I post it again.