Code Terms
Compliance Condition Code: Definition
A code indicating legal compliance conditions on an account.
Definition
Compliance Condition Codes indicate special legal or compliance conditions affecting an account, such as accounts in dispute per FCBA, or accounts subject to court orders. These codes trigger specific handling requirements by credit bureaus.
Examples
XA = Account in dispute per FCBAXB = Account in dispute per FCRA
Usage Notes
- Required when specific legal conditions apply
- Triggers bureau notation on credit report
- Must be removed when condition ends
Related Metro 2 Fields
All compliance condition codes
Signals a legal or dispute condition attached to the account for one reporting cycle. Every code has its own reference page covering when to report it and the cross-field rules it has to satisfy.
XAAccount Closed at Consumer's RequestXBAccount Information Disputed by Consumer (FCRA / FDCPA)XCFCRA Investigation Complete - Consumer DisagreesXDClosed at Consumer's Request and Disputed Under FCRAXEClosed at Consumer's Request and FCRA Investigation Complete - Consumer DisagreesXFAccount in Dispute Under the Fair Credit Billing ActXGFCBA Dispute Complete - Consumer DisagreesXHAccount Previously in Dispute - Investigation CompleteXJClosed at Consumer's Request and Disputed Under the FCBAXRRemove the Most Recently Reported Compliance Condition Code
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