Toni should contact the credit bureau that issued the credit report, the lender in Miami, her local police, and the federal government at identitytheft.gov. This option addresses the error on her credit report, potential identity theft, and the need to inform local authorities.
So, the correct response would be:
She should contact the credit bureau that issued the credit report, the lender in Miami, her local police, and the federal government at identitytheft.gov.