Consumers can access an additional credit report when:

Consumers have the right to access an additional credit report when a fraud alert is placed on their credit file. This is an important consumer protection measure under the Fair Credit Reporting Act (FCRA). When individuals believe they may be victims of identity theft or fraud, they can request a fraud alert to be added to their credit report. This alert notifies credit reporting agencies to take additional steps to verify the identity of anyone trying to open credit accounts in the consumer's name.

As a result of placing a fraud alert, consumers are entitled to receive a free credit report from each of the major credit reporting agencies. This helps consumers monitor their credit reports for any unauthorized activity or accounts that may have been opened fraudulently, enabling them to take necessary actions to protect their identity and repair their credit.

While the other options relate to consumer rights, they do not specifically grant the right to access an additional credit report in the same manner that a fraud alert does. For instance, opting out of random offers or filing a dispute does not automatically entitle consumers to another credit report, nor does filing for bankruptcy.