seahawk98,
We have the 3-in-1 radio (radio, CD and cassette all in one double-din unit) in our 98 XLE. It plays all of our cdr's. We also have an aftermarket Panasonic 8 disc changer mounted in the trunk that is controled by the factory radio and it too plays all of our cdr's. You might want to try one of those lens cleaning things on your factory radio first.
Good luck.
Mike