Which of the following is NOT a purpose of the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is primarily designed to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. It serves several important purposes, including limiting the use of consumer reports, ensuring accurate data collection, and allowing consumers to correct their information if needed.

Facilitating marketing research does not fall under the FCRA’s primary objectives. The Act focuses on protecting consumer rights in regard to credit reporting rather than promoting marketing activities or research. The emphasis is instead on how consumer information is handled, ensuring that consumers have control and awareness of how their data is used in assessments that can affect their financial wellbeing.

Thus, the correct answer reflects a purpose that is not aligned with the legislative aims of the Fair Credit Reporting Act.