XRRemoval

    Compliance Condition Code XR: Remove the Most Recently Reported Compliance Condition Code

    Compliance Condition Code XR means "Remove the Most Recently Reported Compliance Condition Code". The eraser. Sending XR once tells the bureaus to drop whatever compliance condition code the tradeline is currently carrying. It is reported in Compliance Condition Code (Field 32) of the Base Segment, 2 characters at position 215.

    Specification

    CodeXR
    MeaningRemove the Most Recently Reported Compliance Condition Code
    FieldCompliance Condition Code (Field 32)
    RecordBase Segment
    Length / position2 chars · 215–216
    CategoryRemoval
    CRRG referenceCRRG Exhibit 8 (Compliance Condition Codes)

    What Compliance Condition Code XR means

    • XR is the only way to return a tradeline to no compliance condition. Blanking the field retains the previous code.
    • Send it once. Repeating XR every cycle is harmless but unnecessary; after the first, there is nothing left to remove.
    • Removes the condition, not the account. Account Status, balance, and payment history are unaffected.
    • Because blank does not clear, XR is the single most under-used code in this set and stale dispute flags are the most common consequence.

    When to report XR

    • 1A dispute is fully resolved and the tradeline should stop carrying any dispute condition.
    • 2A compliance condition was reported in error in a prior cycle and needs to be withdrawn.
    • 3An account closed at the consumer's request is being cleaned up after the closure flag has served its purpose.
    • 4A data-quality audit finds tradelines still carrying XB from investigations that closed months earlier.

    Reporting rules

    • Send XR in the cycle after the condition genuinely ends.
    • Audit your portfolio for accounts carrying XB, XC, XD, XE, XF, XG, or XJ with no open investigation -- each one is a live accuracy problem.
    • Do not use XR as a routine monthly default. It is a deliberate removal instruction.
    • If you need to say the investigation finished rather than that it never happened, XH is the accurate code, not XR.

    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 XR has to satisfy.

    • Clears any of XA, XB, XC, XD, XE, XF, XG, XH, or XJ.
    • Does not change Date Closed. An account closed at the consumer's request keeps its Date Closed after XR removes XA.
    • Only one CCC per record, so XR cannot be combined with another code -- it must occupy its own cycle.

    Common errors involving XR

    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
    G003
    Missing Compliance Condition Code
    Required compliance condition code is missing

    Vocabulary

    Compliance Condition CodeDispute

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

    Metro 2® and Credit Reporting Resource Guide® are registered trademarks of the Consumer Data Industry Association. BureauRelay and Switch Labs are not affiliated with, sponsored by, or endorsed by CDIA.

    Metro 2 Compliance Condition Code XR: Remove the Most Recently Reported Compliance Condition Code