XH is a compliance condition code a furnisher sends after it finishes investigating a dispute. In one federal case it was described as meaning the account was previously in dispute and is now resolved. It can be misleading if you still disagree.
Also called: XH, XH compliance condition code, account previously in dispute, dispute resolved code
What it means
XH is a compliance condition code that tells the credit bureaus a dispute is over. In Wood v. Credit One Bank, a federal court in Virginia considered XH along with two related codes. A published summary of that decision describes XH as meaning the account was previously in dispute and is now resolved.
XH is different from XC. XC says the investigation is finished but the consumer disagrees. XH says nothing about whether you still disagree, and the word “resolved” suggests the matter has been settled.
Where it comes from
When a bureau forwards your dispute, the furnisher must investigate and report its results (15 U.S.C. § 1681s-2(b)). The code a furnisher chooses when it reports back tells the bureaus whether the dispute continues. XB shows a dispute, XC shows a finished investigation the consumer still disagrees with, and XH shows a dispute that is over.
In Wood, the bank’s policies told its agents to answer a dispute with XH in almost all situations, and the evidence showed it never answered one with XC.
Common errors
- The furnisher “verifies” the account and reports XH even though you told it, or the bureau, that you still dispute it.
- You file a second dispute after the first one is closed, and the furnisher keeps reporting XH instead of a code that shows your ongoing disagreement.
- The account was never really investigated, but the dispute is still marked resolved.
How to dispute it
If you disagree with the result of an investigation, say so in writing, to each bureau and to the furnisher. State that the dispute is not resolved and that you want your continued disagreement reported. Keep copies and check your next report.
When it can be an FCRA violation
In Wood, the court found that reporting XH after each of six investigations, while the consumer kept disputing the account, created “a materially misleading impression” that the account was no longer in dispute, in a ruling that granted the consumer partial summary judgment. The court rejected the bank’s argument that “now resolved” simply means an investigation was completed; the plain language of XH, it reasoned, implies the dispute itself has been settled. The Fourth Circuit’s ruling in Saunders v. Branch Banking & Trust sets the standard courts in Virginia apply: a furnisher must look for omissions that make reported information misleading. The outcome in any case depends on whether the furnisher knew, or should have known, that you still disputed the account.
If your account is marked “resolved” when you still dispute it, request a free case review; there is no fee unless we win.
Related
- Compliance condition code
- XB code (account disputed)
- XC code (investigation complete, consumer disagrees)
- Reinvestigation
- Method of verification
- Statement of dispute (consumer statement)
- How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
- How to Write a Credit Report Dispute Letter That Gets Investigated
- Do I have an FCRA case?
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)
- Saunders v. Branch Banking & Trust Co. of Va., No. 07-1108 (4th Cir. May 14, 2008)
- 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.