XDCombination Conditions
Compliance Condition Code XD: Closed at Consumer's Request and Disputed Under FCRA
Compliance Condition Code XD means "Closed at Consumer's Request and Disputed Under FCRA". A single code carrying both conditions: the consumer asked for the account to be closed, and a direct FCRA or FDCPA dispute is open. It is reported in Compliance Condition Code (Field 32) of the Base Segment, 2 characters at position 215.
Specification
| Code | XD |
|---|---|
| Meaning | Closed at Consumer's Request and Disputed Under FCRA |
| Field | Compliance Condition Code (Field 32) |
| Record | Base Segment |
| Length / position | 2 chars · 215–216 |
| Category | Combination Conditions |
| CRRG reference | CRRG Exhibit 8 (Compliance Condition Codes) |
What Compliance Condition Code XD means
- Exists because only one Compliance Condition Code may be reported per record per cycle -- XD is how you say XA and XB at the same time.
- Both underlying conditions must genuinely be true. Do not use XD as a catch-all.
- Carries the same scoring-exclusion consequence as XB while the dispute is open.
- When the dispute resolves but the account stays closed, move to XE or XH depending on the outcome.
When to report XD
- 1A cardholder closes their account and, in the same letter, disputes the final balance.
- 2A consumer requests closure of a line of credit and disputes the reported delinquency history.
- 3An account is closed at the consumer's request while an identity-related direct dispute is still under investigation.
Reporting rules
- Populate Date Closed, exactly as you would for XA.
- Do not report XA in one cycle and XB in the next as a substitute -- the second overwrites the first and the closure signal is lost.
- Move off XD as soon as the investigation concludes.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Compliance Condition Code XD has to satisfy.
- Requires Date Closed to be populated, inheriting the XA rule.
- Only one CCC per record. XD exists precisely so you do not have to choose between XA and XB.
- Successor codes: XE if the consumer disagrees with the outcome, XH if the investigation is complete and settled.
Common errors involving XD
Vocabulary
Keep browsing
- All 10 compliance condition codes — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Compliance Condition Code field reference — position, length, and validation rules.
- Metro 2 format reference
See Compliance Condition Code XD in your own file
Drop a .dat file into the free in-browser viewer and inspect every record carrying XD. No signup, and nothing is uploaded — your file stays on your device.