In the human eye, where is the actual image formed before being transmitted to the brain?

The image is formed in the retina. From there it passes to the optic nerve.
The optic nerve is inside the meninges. This makes it sort of part of the brain.
Things happen in the brain before nerves carry the information to the occipital
lobe.

Biologists believe that the focusing of the light rays entering the eye is focused by the crystalline lens.
Optometrists and Ophthalmologists believe that the cornea does about 2/3 of
the refracting in the eye.
Ophthalmologists make light focus on the retina by changing the curvature of
the cornea.
Biologists show light rays passing through the cornea undeviated when actually
the cornea is the part of the eye most responsible for focusing the incoming light.

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