Main culprit for this error is logic which determines encoding when converting Stream or byte[] array to .NET string.
Using StreamReader created with 2nd constructor parameter detectEncodingFromByteOrderMarks set to true, will determine proper encoding and create string which does not break XmlDocument.LoadXml method.
public string GetXmlString(string url)
{
using var stream = GetResponseStream(url);
using var reader = new StreamReader(stream, true);
return reader.ReadToEnd(); // no exception on `LoadXml`
}
Common mistake would be to just blindly use UTF8 encoding on the stream or byte[]. Code bellow would produce string that looks valid when inspected in Visual Studio debugger, or copy-pasted somewhere, but it will produce the exception when used with Load or LoadXml if file is encoded differently then UTF8 without BOM.
public string GetXmlString(string url)
{
byte[] bytes = GetResponseByteArray(url);
return System.Text.Encoding.UTF8.GetString(bytes); // potentially exception on `LoadXml`
}
So, in the case of your third party library, they probably use 2nd approach to decode XML stream to string, thus the exception.