XHFCRA / FDCPA Dispute States

    Compliance Condition Code XH: Account Previously in Dispute - Investigation Complete

    Compliance Condition Code XH means "Account Previously in Dispute - Investigation Complete". The dispute is over. Your investigation closed the matter, and the tradeline should no longer be treated as disputed. It is reported in Compliance Condition Code (Field 32) of the Base Segment, 2 characters at position 215.

    Specification

    CodeXH
    MeaningAccount Previously in Dispute - Investigation Complete
    FieldCompliance Condition Code (Field 32)
    RecordBase Segment
    Length / position2 chars · 215–216
    CategoryFCRA / FDCPA Dispute States
    CRRG referenceCRRG Exhibit 8 (Compliance Condition Codes)

    What Compliance Condition Code XH means

    • The resolution code for any of the dispute tracks -- direct FCRA, FDCPA, or FCBA.
    • Reporting XH is what lifts the dispute treatment from the tradeline. Blanking the field does not.
    • Use it when the matter is settled, whether because you corrected the data or because the consumer accepted the outcome.
    • If the consumer explicitly still disagrees, XC (FCRA) or XG (FCBA) is the accurate code, not XH.

    When to report XH

    • 1A direct dispute is investigated, the reported balance is corrected, and the consumer accepts the correction.
    • 2A billing-error dispute is resolved in the consumer's favour and the charge is removed.
    • 3A consumer withdraws a dispute after a servicing conversation.
    • 4An identity dispute is investigated, the account is confirmed as the consumer's, and the consumer accepts the finding.

    Reporting rules

    • Report XH in the cycle the investigation concludes. Every additional cycle the account carries XB is a cycle the tradeline is suppressed from scoring.
    • Correct the underlying fields in the same file if the investigation found an error.
    • Do not report XH while an investigation is still open.
    • Once the dispute history is no longer relevant, XR removes the condition entirely.

    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 XH has to satisfy.

    • Follows XB, XD, XF, or XJ.
    • Blank in the following cycle retains XH; use XR to clear it.
    • If the investigation changed the data, the corrected Account Status, balance, and Payment History Profile must ship in the same record.

    Common errors involving XH

    B025
    Dispute Flag Not Cleared After Resolution
    A dispute Compliance Condition Code persists after the dispute is resolved
    B024
    Invalid Compliance Condition Code
    The Compliance Condition Code is not a recognized value

    Vocabulary

    DisputeFCRA (Fair Credit Reporting Act)Compliance Condition Code

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    Source: CRRG Exhibit 8 (Compliance Condition Codes). Last reviewed 2026-08-25.

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    Metro 2 Compliance Condition Code XH: Account Previously in Dispute - Investigation Complete