What is required from consumers when placing a fraud alert on their credit report?

When placing a fraud alert on their credit report, consumers are typically required to provide personal identification. This step helps to verify the identity of the individual requesting the alert, ensuring that the request is legitimate and protecting consumers from potential identity theft. The need for personal identification is crucial because it assists credit reporting agencies in confirming that the alert is being placed at the request of the rightful consumer, thereby enhancing the security of credit reports.

The other options do not align with the requirements for placing a fraud alert. For example, placing a fraud alert does not necessitate a fee payment, and there is no requirement for proof of income. Furthermore, while consumers may need to take some action, simply providing personal information is an essential step, making the requirement for personal identification the most pertinent element in this context.