Metro 2 compliance condition code XB: disputed by consumer, investigation open
You've disputed the account and the dispute isn't resolved yet. The FCRA requires a furnisher that receives your dispute directly to report the information as disputed, and the FDCPA treats a collector's failure to report a known dispute as misleading.
How it shows on your report
"Account information disputed by consumer" or "Consumer disputes this account."
How it affects your score
While the flag is on, scoring and underwriting can treat the account differently. Fannie Mae's automated underwriting may rerun a file without disputed tradelines, then the lender has to investigate them, which can slow a mortgage.
What to check
Once your dispute is resolved, this flag should be replaced or removed. A dispute flag that lingers long after you got your results can hold up a mortgage. If you disputed directly with the furnisher and no flag appears while it investigates, the account isn't being reported as disputed.
If this code is wrong on your report
- Metro 2 explained: the data format behind your credit reportHow lenders send coded data to the bureaus, and how disputes travel back to them.
- How to dispute a credit report error, step by stepA step-by-step guide to disputing credit report errors with Equifax, Experian and TransUnion: online vs. mail, what to include, and how to keep proof.
- Letter builderWrite dispute, goodwill, validation and identity theft letters. Free, printed by you, sent by you.
Glossary: compliance condition code, Metro 2
Sources
- Metro 2 data mapping (LoanPro help center)
- Compliance Condition Codes (Bureau Relay Metro 2 reference)
- Metro 2 Base Segment (Galileo, SoFi Technology Platform docs)
- 15 U.S.C. 1681s-2: Responsibilities of furnishers of information
- 15 U.S.C. 1692e: False or misleading representations
- Fannie Mae Selling Guide B3-5.3-09, DU Credit Report Analysis
These explanations are ScoreTuner's plain-English summaries. The official specification is the CDIA Credit Reporting Resource Guide, which is copyrighted and not reproduced here. This is education, not legal advice.