I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you.