Which of the following is NOT a requirement for using consumer reports?

Using consumer reports comes with specific permissible purposes outlined by laws like the Fair Credit Reporting Act (FCRA). The correct choice highlights that personal entertainment is not a legitimate reason for accessing consumer reports.

Consumer reports are intended for important applications such as evaluating an individual's creditworthiness, determining suitability for employment, and underwriting insurance policies. These purposes are deemed necessary for risk assessment and responsible lending, hiring, or insurance decisions.

In contrast, personal entertainment does not serve any constructive or professional function that justifies the use of sensitive consumer information, which is why it is excluded from the permissible uses defined by the FCRA. Understanding this distinction underscores the importance of adhering to privacy regulations and protecting consumer data.