Turns out we had to make the <DirPartyTable> line to be
<DirPartyTable xsi:type="AxdEntity_DirPartyTable_DirOrganization" class="entity" xmlns:xsi="www.w3.org/.../XMLSchema-instance">
We found this by a fluke. Why didn't the schema show this in the AIF when viewed and what is the above line telling the system.