What type of alert will be placed in Nicole's file after submitting an identity theft report?

When an individual submits an identity theft report, it typically results in the placement of an extended alert in their consumer credit file. An extended fraud alert is intended for individuals who have been victims of identity theft and have taken proactive steps to notify credit reporting agencies about the theft. This alert lasts for seven years and requires creditors to take extra steps to verify the identity of the individual before extending credit.

The reason the extended alert is implemented is to provide extra protection against further fraudulent transactions and to ensure that the impacted individual receives heightened scrutiny on their credit file due to the identity theft incident they experienced. This is particularly important as it helps mitigate the risk of future identity theft, giving the victim peace of mind as they seek to recover from the effects of the fraud.

In contrast, an initial fraud alert is typically placed when an individual suspects identity theft but may not have filed an official report yet. Meanwhile, an active duty alert is a specific type of alert available to service members who are on active duty, designed to protect their credit while they are deployed. Finally, stating that no alert will be placed would not align with the protections afforded under the Fair Credit Reporting Act to individuals who report identity theft. Therefore, the extended alert is the appropriate measure taken in response to