What problem are we trying to solve? Writing to the SD card? That doesn't involve the XBee, so take it off. Use Serial for debugging.
When writing to the SD card without the XBee in place, we can then deal with sending data via the XBee, if there is (still) a problem with that.
The correct RFID tag number of 982_000109842725 is in the array.
There is no known universe where 982_000109842725 is a number.