Which provision allows victims of identity theft to stop reporting fraudulent accounts?

The provision that allows victims of identity theft to stop reporting fraudulent accounts is rooted in the requirements set forth under the Fair Credit Reporting Act (FCRA). Specifically, when a consumer submits an identity theft report, it serves as formal documentation of the identity theft incident. This report can enable victims to initiate steps to prevent further harm from fraudulent accounts that have been opened in their name.

Submitting this report activates certain protections that empower victims, such as the ability to request the removal of fraudulent accounts from their credit report. Additionally, once an identity theft report is obtained, victims can leverage it in dealings with creditors and credit reporting agencies to ensure that fraudulent activities are addressed effectively.

The other options, while relevant to identity theft, do not directly enable victims to stop reporting fraudulent accounts in the same manner as submitting an identity theft report does. For instance, requesting a fraud alert is a precautionary measure that warns potential creditors to take additional steps to verify the identity of the individual before extending credit, but it doesn't directly stop the reporting of existing fraudulent accounts.