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 Transunion 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 Brunner Law. 

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 XXXX : UNSECURED Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XXXXMOP : 0130/60/90:4 / 1 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 9. Creditor :  XXXX/XXXXType : CHARGE ACCOUNT Opened:XX/XX/XXXXLast ReportedXX/XX/XXXXLast Late:XXXXMOP : 0130/60/90:3 / 1 / 1 22.  Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XX/XX/XXXXLast Reported:XXXXLast Late:XXXXMOP :  0130/60/90:2 / 1 / 4 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 23. Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 24. Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 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:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 4 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 11. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 12. Creditor : XXXXType :  STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 13. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 14. Creditor : XXXXType :  STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 15. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 16. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 17. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 4 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 18. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 19. Creditor XXXX XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 20. Creditor : XXXXType :  STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast LateXX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance :  $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 25. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast ReportedXX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 26. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 27.  Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER XXXX. Creditor : DEPTEDXXXXType : STUDENT LOAN OpenedXX/XX/XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 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 : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 30.  Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 31. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 32. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 33.  Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 34. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 35. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 36.  Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER