Final answer:
The Fair Isaac Corporation, or FICO, maintains housing and credit files on consumers and provides FICO credit scores based on this information.
Step-by-step explanation:
The organization that maintains housing and credit files on consumers is the Fair Isaac Corporation. This is known more commonly by its acronym, FICO. FICO is a data analytics company that focuses on credit scoring services. It is not a federal agency like the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB), which also play roles in protecting consumers and regulating certain financial practices. However, FICO is the one that provides the widely-used FICO credit scores that are based on consumer credit files maintained by major credit bureaus.