Metro 2 Compliance Condition Code XC: FCRA Investigation Complete

Specification

Code	XC
Meaning	FCRA Investigation Complete - Consumer Disagrees
Field	Compliance Condition Code (Field 32)
Record	Base Segment
Length / position	2 chars · 215–216
Category	FCRA / FDCPA Dispute States
CRRG reference	CRRG Exhibit 8 (Compliance Condition Codes)

The terminal state of a direct dispute you did not resolve in the consumer's favour.
Says two things at once: your investigation is closed, and the disagreement is unresolved.
Use it only after a real investigation. Moving from XB to XC without reviewing the account is precisely the conduct the FCRA's reasonable-investigation standard exists to prevent.
The consumer retains the right to add a statement of dispute at the bureau; that is handled by the bureau, not by the furnisher's file.

1A consumer disputes a 60-day delinquency, your records show the payment was late, and the consumer still disagrees.
2A consumer says an account is not theirs, identity verification confirms it is, and the consumer maintains the dispute.
3A borrower disputes a charge-off amount, the amount reconciles to your ledger, and no agreement is reached.

Report XC only after the investigation has actually concluded.
Document what you reviewed and when. The documentation burden sits with the furnisher.
If the consumer later accepts the outcome or drops the dispute, clear the condition with XR.
If your investigation shows the data was wrong, correct the data and report XH rather than XC.

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

Follows XB. Reporting XC without a prior XB implies an investigation with no dispute to investigate.
If the account is also closed at the consumer's request, report XE instead.
Cleared only by XR or by overwriting with another compliance condition code.