If a charge you did not authorize appears on your credit card statement, you fail to receive a purchased product, or an ordered item is received defective, you may have a legal right to dispute the credit card charge and refuse payment. Contact your credit card company immediately to initiate the dispute. It is best to follow up any verbal action in writing. Review the Federal Trade Commission web site at www.ftc.gov for more information. Otherwise, the day may come when you need the services of a reputable credit repair company.
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How to Fix Credit Report Errors – You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
Credit Report Dispute – What steps might be taken if you have a disputed credit report?