Metro 2 Compliance Condition Code XA: Account Closed at Consumer's Request

Specification

Code	XA
Meaning	Account Closed at Consumer's Request
Field	Compliance Condition Code (Field 32)
Record	Base Segment
Length / position	2 chars · 215–216
Category	Consumer-Requested Closure
CRRG reference	CRRG Exhibit 8 (Compliance Condition Codes)

Signals that the closure was the consumer's decision, not a grantor action taken for risk, inactivity, or delinquency.
It is a condition flag only. It does not close the account by itself -- the Account Status and Date Closed fields do that.
Stays attached to the tradeline until it is overwritten by another compliance condition code or cleared with XR.
Does not imply the balance was paid. An account can be closed at the consumer's request while still carrying a balance being paid down.

1A cardholder calls or writes to close a credit card and the account is closed with a zero balance.
2A borrower asks for a personal line of credit to be closed after paying it off.
3A consumer closes a deposit-secured card and the collateral is released.
4A customer cancels a revolving retail account in writing.

Populate Date Closed in the same record. A consumer-requested closure with no Date Closed is a contradiction the bureaus can reject.
Do not use XA when you closed the account for inactivity, risk, or delinquency -- that is a grantor closure and carries no CCC.
Report XA in the cycle the closure happens; there is no need to repeat it every month once the bureaus hold it.
Clear it with XR only if the closure was reported in error.

A file can be structurally valid and still be wrong. These are the cross-field conditions Compliance Condition Code XA has to satisfy.

Requires Date Closed to be populated in the same Base Segment record.
Pairs naturally with Account Status 13 (Paid/Closed - Zero Balance) when the balance is settled.
If the account is also in a dispute state, use the combination code (XD, XE, or XJ) instead of sending XA and the dispute code in separate cycles.