XTOL will work fine with your film, same as HC110, D-76 and a number of other developers from Kodak and other manufacturers.
Your BIGGEST problem is the film processing was done incorrectly. Your film was also possibly fogged.
Don't even try to think about troubleshooting scanning issues until you process the film correctly.
I'm 99.9% with jim_jm on this one. Old film, fogged from age or badly stored. Likely ISO 400 or faster. In my house the fast emulsions fog almost overnight.
Also looks overexposed or maybe overdeveloped. Or both.
Where did anyone see signs of reticulation or too little fixing? Unlikely it's the former, it could be the latter, but in my 50 years of darkroom life, I've not seen any of this before.
The OP's technique needs careful examining and improving in all ways - buying film, shooting, processing, scanning.
Do a small test if you like. Buy a roll of fresh film, 36 exposures. Shoot it as you usually do.
In the darkroom, take a length of about a third of the film. Process normally in Xtol, D76, ID11, whichever. Fix the full time. Evaluate.
Now take a second length of about a third. Process for twice the normal time. ix the full time. Evaluate.
Finally, take the third (last) length. Process normally. Fix for a third of the full time. Evaluate.
The results may reveal everything to you. If not, get back to us, please, and post another image of the new results.
Tedious, maybe yes. But as the old saying goes, "if at first you don't succeed, you're batting about average".
Best!
Let us know how it turns out.