If that doesn’t work, your rights under the Fair Credit Billing Act also allow you to put in a credit card dispute with your card issuer. Sometimes, even the issuer dispute may not result in a fix.

A card issuer has to resolve this matter in a timely manner, adhering to the requirements of the Fair Credit Billing Act. There are penalties for not meeting deadlines.

Credit score: Credit report discrepancies can be disputed with the CIC or directly with the bank, which has 30 days to investigate. If resolved, the CIC updates the report. Regularly checking your ...