XC is a compliance condition code a furnisher sends when it has finished investigating your dispute and you still disagree with the result. It is the code that keeps your ongoing disagreement visible after the investigation ends.
Also called: XC, XC compliance condition code, completed investigation consumer disagrees, consumer disputes results
What it means
XC is a compliance condition code. In Wood v. Credit One Bank, a federal court in Virginia considered XC along with two related codes. A published summary of that decision describes XC as meaning the investigation of the dispute is complete and the consumer disagrees with the result. In plain terms: the furnisher looked into your dispute, kept its reporting, and is telling the bureaus that you still don’t accept that result.
It sits between two other dispute codes. XB is used while a dispute is open. XH says a past dispute is now resolved. XC is the code that tells lenders the disagreement continues.
Where it comes from
The Fair Credit Reporting Act bars a furnisher from reporting information you have disputed with it unless it gives notice that you dispute it (15 U.S.C. § 1681s-2(a)(3)). The FTC’s 2011 staff report explains that after investigating, a furnisher may either correct the information or report the item as disputed by the consumer. XC is one way to do the second.
Common errors
The most common problem is that XC is never used. In Wood, the evidence showed the bank never answered a dispute with XC. It reported XH instead, so the consumer’s continued disagreement never reached the bureaus.
The bank argued that “now resolved” in the XH code simply means an investigation was completed. The court rejected that reading, reasoning that the plain language of XH implies the dispute itself has been settled.
How to dispute it
A furnisher can only report that you disagree if it knows you do. After you get the results of a dispute, tell each bureau and the furnisher in writing that you disagree and why. Ask that your continued disagreement be reported. You can also add a short consumer statement to your file with the bureau.
When it can be an FCRA violation
In Wood, the consumer disputed the account six times. The court found that reporting the dispute as resolved while he kept disputing created “a materially misleading impression” that the account was no longer in dispute. Whether a different furnisher’s coding is misleading depends on the facts, including whether it knew you still disputed the account.
If your report hides the fact that you still dispute an account, request a free case review; there is no fee unless we win.
Related
- Compliance condition code
- XB code (account disputed)
- XH code (previously disputed, now resolved)
- Statement of dispute (consumer statement)
- Reinvestigation
- ACDV (automated consumer dispute verification)
- How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
- How to Write a Credit Report Dispute Letter That Gets Investigated
- Dispute letter builder
Sources
- Wood v. Credit One Bank, No. 3:15cv594 (E.D. Va. Sept. 21, 2017)
- Consumer Financial Services Law Monitor, summary of Wood v. Credit One Bank (Oct. 2017)
- FTC, 40 Years of Experience with the Fair Credit Reporting Act (July 2011)
- 15 U.S.C. § 1681s-2 (duties of furnishers), Cornell LII
Updated November 2026. This glossary is written by FCRA Attorneys from public sources. It is general information, not legal advice, and is not affiliated with any credit bureau or industry association.