XFFCBA Billing-Error Dispute States
Compliance Condition Code XF: Account in Dispute Under the Fair Credit Billing Act
Compliance Condition Code XF means "Account in Dispute Under the Fair Credit Billing Act". A billing-error dispute under the FCBA is open on a revolving credit account and you are still working it. It is reported in Compliance Condition Code (Field 32) of the Base Segment, 2 characters at position 215.
Specification
| Code | XF |
|---|---|
| Meaning | Account in Dispute Under the Fair Credit Billing Act |
| Field | Compliance Condition Code (Field 32) |
| Record | Base Segment |
| Length / position | 2 chars · 215–216 |
| Category | FCBA Billing-Error Dispute States |
| CRRG reference | CRRG Exhibit 8 (Compliance Condition Codes) |
What Compliance Condition Code XF means
- The FCBA applies to open-end credit -- credit cards and other revolving accounts -- not to installment loans.
- This is a billing-error dispute (a charge the consumer says is wrong, unauthorized, or not delivered), which is a different statutory track from an FCRA accuracy dispute.
- Report it while the billing-error investigation is open.
- Use XB, not XF, when the consumer is disputing the accuracy of what you reported rather than a specific charge.
When to report XF
- 1A cardholder disputes an unauthorized transaction and the chargeback investigation is open.
- 2A consumer contests a merchant charge for goods never delivered.
- 3A billing-error notice arrives within the FCBA window and the amount is under review.
Reporting rules
- Report XF only on open-end revolving accounts where the FCBA applies.
- Move to XG when the investigation concludes and the consumer still disagrees, or XH when it concludes and the matter is settled.
- Blank does not clear XF. Use XG, XH, or XR.
- Do not report XF and XB together -- one CCC per record.
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 XF has to satisfy.
- Applies to Portfolio Type R (Revolving) and C (Line of Credit) accounts; an FCBA dispute on Portfolio Type I (Installment) is a contradiction.
- If the account is also closed at the consumer's request, report XJ instead.
- Successor codes: XG or XH.
Common errors involving XF
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 XF in your own file
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