Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I spoke with XXXX, who identified himself as a Manger in the Dispute department. 
He indicated that I had both a Credit Freeze and Security Freeze on my account and that he was unsure as to why XXXX XXXX was able to access my file. 
I further indicated that I wanted an accounts that were more than two years old and in good standing removed from my credit report. He indicated that they do not remove negative or positive items from the accounts. 
XXXX XXXX-Transferred me to XXXX XXXX XXXX did not give permission for me to record our conversation. 
XXXX XXXX XXXX  I explained to XXXX that I wanted the old accounts removed from my report that were over 7 years old. 
She refused to address the issue. Consistently indicating we do not remove negative items from credit reports. I explained to XXXX that student loan services indicated that they were no longer reporting the account. The account was never late as it was discharged via a chapter XXXX Bankruptcy of which XXXX  has on file. And I further provided information that XXXX  XXXX XXXX did not own the accounts at the time they reported the items as late. XXXX  XXXX XXXX reaged the debt after XXXX received the Discharge from the Federal Court of the Discharge under the XXXX  XXXX. 

At this time I feel like I am being discriminated against via my age, ethnicity, and gender. I would like a written explanation of and the formula used to calculate my credit score, a written explanation of why the items were not removed from my credit report. A written explanation as to why and how access was granted to my credit report. 

. Creditor : XXXX XXXX XXXXType : UNSECURED Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX  High Credit : $ XXXXBalance : $ XXXX Pymt : $ XXXX Due : {$0.00} 9. Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXLast ReportedXXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX XXXX   Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXX Pymt : $ XXXXPast Due : {$0.00} 23. Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 24. Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXXXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} CANCELLED BY CREDIT GRANTOR High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} CANCELLED BY CREDIT GRANTOR 10.  Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 11. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXX : $ XXXX Pymt : $ XXXX Due : {$0.00} 12. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP :  XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 13. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 14. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast LateXXXXMOP : XXXX XXXX XXXX XXXX XXXX  High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 15. Creditor : XXXXType : STUDENT LOAN OpenedXXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 16. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 17. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 18. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast LateXXXXMOP : XXXX XXXX XXXX XXXX XXXX  High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 19. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 20. Creditor : XXXXType : STUDENT LOAN OpenedXXXXLast ReportedXXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 25. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 26. Creditor : DEPTEDXXXXType : STUDENT LOAN OpenedXXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 27. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast ReportedXXXXLast Late : MOP : XXXX XXXX XXXX   XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 28. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 29. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 30. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX   / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 31. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 32. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast ReportedXXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 33. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX   / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 34. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 35. Creditor : DEPTEDXXXXType : STUDENT LOAN OpenedXXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 36. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX   / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER